San Diego

AAA insurance drops San Marcos couple due to fire concerns

Insurance premiums for fire safety are skyrocketing, and in some circumstances, insurance policies are being canceled.

SAN DIEGO — Protecting your property with fire insurance is getting dearer for San Diegans on this already-challenging economic system.   

Insurance premiums for fire safety are skyrocketing, and in some circumstances, insurance policies are being canceled.   

CBS 8 is working for one couple in San Marcos who’ve been instructed their home-owner’s insurance is being terminated. 

“They sent us a notice of non-renewal and termination,” stated Susan Moise. 

She and her husband Walter couldn’t consider it. After 27 years with AAA dwelling insurance, they acquired a discover within the mail telling them they’re dropped. 

“I’m kind of in a quandary,” stated Susan. “I’m not sure what to do or where to go.” 

The non-renewal discover claims that their dwelling is, “located in an area that we consider a high brush fire exposure which is unacceptable according to the Exchange’s underwriting guidelines.”   

Their coverage expires July 2, 2022, and so far, they’re not having a lot luck discovering different protection. 

“That’s where I’m at trying to find someone who will insure us,” stated Susan. 

And that’s been powerful.   

One company instructed them in an e mail:  

“We don’t cover homes in proximity to wildfire risk areas.”   

The solely company that might cover them is Assurant, and their quoted premium is greater than triple what they’re paying now. 

“Because I’m on fixed income, having a big jump like that, it makes it difficult,” stated Susan. “Am I going to be priced out of my home?” 

They don’t perceive why AAA is dropping them in spite of everything these years. 

“We have a fire hydrant right across the street,” stated Walter. 

“We’re within a mile of two fire stations,” stated Susan. 

And they only changed their roof with fire-resistant supplies. 

“This is the latest materials that they offer in California,” stated Walter. “So, this is fire safe.” 

To pay for the brand new roof and photo voltaic panels, they refinanced their dwelling mortgage in March. 

“We tried to be proactive and do the best for our home, and in doing that we refinanced and I think that may have been the trigger for the Triple AAA to say, ‘No,’” stated Susan. 

To make issues worse, Susan is coping with severe well being points. 

“I’m struggling now with metastatic cancer and trying to fight that disease and that incurs different bills,” stated Susan. “So, it’s just a struggle to survive.” 

CBS 8 referred to as the AAA agent they’d been working with and left him a message saying, we had some questions.   

So far, he hasn’t referred to as us again. Meanwhile, Susan’s going through the potential of leaving California. 

“Our family is here, our grandchildren are here,” stated Susan. “I grew up in San Diego. I’m a native San Diegan and to have to leave my home, I would miss the ocean.” 

Their subsequent step is to discover what the California Fair Plan has to provide, however after speaking with neighbors, they’re not hopeful it is going to be an reasonably priced possibility both. 

WATCH RELATED: Fire insurance charges on the rise for San Diego County residents (October 2021)

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