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Holiday Packages and Automobile Glass don’t mix!

Written by Timothy Shannon on . Posted in Uncategorized

I was speaking to one of the vendors that Farmers Insurance uses for glass replacement and he told me that it is amazing at this time of year how many automobile windows they replace due to smash and grab thieves.  Holiday packages in plain view in your automobile are prime targets for this type of activity and it occurs regularly.

So while you are out Holiday shopping for your loved ones please take the extra step to put packages in your trunk; if driving an SUV or Truck, make sure that you take the necessary precaution to hide any packages from plain sight.

While the Holiday shopping season brings this to light, it is also a very good practice to follow throughout the year to keep any valuables out of sight in your vehicle.

California becomes first in the nation to increase consumer protections in pet insurance

Written by Timothy Shannon on . Posted in Uncategorized

The following is text from a News Release from the California Department of Insurance

 

SACRAMENTO, Calif. – Today AB 2056 (Dababneh), which adds essential consumer protections to pet insurance, was signed into law by Governor Brown making it the first law of its kind in the nation. The new law will require pet insurers to disclose important information regarding their policies, standardize definitions, and provide consumers with a 30-day “free look” period; AB 2056 was sponsored by Insurance Commissioner Dave Jones and will go into effect July 1, 2015.

 

Under the new law, pet insurers will be required to disclose baseline information regarding their policies such as reimbursement benefits, pre-existing condition limitations, and a clear explanation of limitations of coverage including coinsurance, waiting periods, deductibles, and annual or lifetime policy limits. Consumers will also gain a 30-day “free look” period in which a pet insurance policy can be returned for a full refund.

 

“California consumers will now have greater protection when they purchase pet insurance,” said Commissioner Jones. “In the state with the largest number of insured pets, once again California is leading the way by becoming the first state in the nation to enact a law that adds consumer protections to this rapidly growing line of insurance. I would like to thank Governor Brown for signing our bill and giving Californians piece of mind when it comes to protecting their pets.”

 

Directly addressing the majority of the Department’s complaints regarding pet insurance, consumers purchasing pet insurance will now have a better understanding of what they’re getting for their money, including the vital parameters of what constitutes of pre-existing condition. Actors and Others for Animals, who has continuously supported the bill, has also seen an increase in applications from pet owners with pet insurance who need help paying for their sick or injured pets because they have come to find that the policy’s exclusions exceed the benefits. AB 2056 will help consumers better understand policy terms and allow them to select a product that fits their needs.

 

If California consumer Gary Lucks had known that he would only be reimbursed about one third of the cost of his dog Brodie’s cancer diagnosis and treatment he would have considered other options. Lucks previously obtained marketing materials that advertised a 90 percent reimbursement rate, but in reality the company only covered 90 percent of the plan’s benefit schedule allowance. This bill will allow consumers like Lucks to make more informed decisions regarding pet insurance policies.

 

Commissioner Jones first authored this pet insurance consumer protection bill in 2008 when he served in the State Assembly. He was successful in getting the bill to the Governor’s desk, only to have it vetoed by Governor Arnold Schwarzenegger. He vowed to try again with a new Governor and the result is the first in the nation per insurance consumer protection law.

Reduce Your Risk from Wildfire Embers

Written by admin on . Posted in Uncategorized

Thousands of residents have been evacuated due to a rare confluence of fast-moving wildfires scorching Southern California. California Fire Division Chief Dave Allen said nine fires have burned 9,095 acres and San Diego County district supervisor Bill Horn said Wednesday evening that eight fires were burning in the region, seven of which popped up that day.

Investigators haven’t yet determined the cause of these fires but what is unique is that there are so many fires, so quick and so early in the season.

No matter the cause, did you know embers can travel more than a mile from a wildfire? The Insurance Institute for Business & Home Safety (IBHS) give the following tips and information regarding wildfire embers.

  • A Class A fire rated roof covering can dramatically reduce ember risks for a home – installing this kind of roof can be done when building a new home or re-roofing an existing home.
  • In addition to a more resilient roof, The IBHS urges homeowners to remove vegetation and other flammable debris from their roof and gutters to prevent ignition from windborne embers – this is something that can be done anytime to existing homes.
  • Other key areas of a home that are vulnerable to wildfire embers include vents. Proper screening over vents is important because embers can enter a home through these openings and ignite combustible materials inside the building, and it can burn from the inside out.
  • The IBHS explains that vents in the blocking of open-eave construction are more vulnerable to ember entry than those located in soffited eaves and gable end and similar vents also are vulnerable to the entry of embers.

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Timothy G. Shannon, CLF, AIM, LUTCF

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