Don’t get burned by your homeowners insurance

Vicki Moore
Vicki Moore
Published on December 27, 2017
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Real estate ads in the wine country read “fantastic opportunity” as they try to unload land in one of the most scorched places on earth.  I don’t believe it’s an effort to gloss over the devastation.  I also don’t believe it’s exploiting an opportunity over those who are looking at their lives and dreams in ruins.  Somehow these same people need to step forward into their future.  The way for some to start the healing and find new happiness is by selling the site of their family memories.  To do that, realtors have to stoke the imagination of possibility when all that’s visual is a pile of ash and remnants of things that were.  I can only appreciate their despair.  Living it is beyond a place where I want to go emotionally.

An unexpected aftermath is beginning to show its ugliness now that the flames have been extinguished.  A few – and likely more – homeowners are finding that their homeowners insurance coverage is not what they expected; devastatingly it isn’t enough for a quick physical recovery and will definitely add to the burdens of their emotional recovery.

 

The homeowners insurance payout was never going to be enough to make them forget what happened or make them whole.  But it would give them a new start in the right direction to healing.  Except that they’ve been blindsided by what they’ve discovered about the one thing they were sure of:  their homeowner insurance.

I wanted to talk about the California fires. So the wine country was completely devastated recently and now we’re watching Southern California suffer even more severely with the thousands and thousands of acres that are on fire.

And I just read in the paper – well, online about some people in the wine country who did not realize what their home insurance covered. And needless to say, it didn’t cover what they thought it did. And so they’re in deep trouble.

So please check your homeowners insurance policy regarding fire. Is it going to cover a car if you need it; is it going to cover a place to stay; is it going to cover emergency expenses for clothing and the necessities. Don’t leave it up to your insurance person to figure it out.

If you need to sit down with them and have them explain it to you, then that’s what you should do. That’s what they’re there for. That’s what they get paid for. Don’t leave it up to chance.

People are not only suffering the consequences of losing their home, their belongings – everything – their neighborhood. Now they’re finding out that they’re not going to be able to recover like they should be. So please do that right away. Don’t make that a new year’s resolution. Make that a resolution for the end of the year. And if you need a referral to a good insurance person please let me know. You can reach me at 650-888-9268. And stay safe.


Vicki 650-888-9268 Vicki [@] CallVicki.com Today’s Real Estate article “Don’t get burned by your homeowners insurance” was written by Vicki Moore, Lyon Real Estate – Roseville. You’ll find Vicki selling homes in the Great Sacramento area. Vicki Moore, has been a licensed California Real Estate Agent since 1998. You can speak with Vicki by calling/texting her at 650-888-9268 or you can email her at: [email protected] if you have questions or need help buying or selling a home in the Roseville real estate market. CA DRE 01234539

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Don’t get burned by your homeowners insurance
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