Property insurance tripled. Overnight. [View All]

[TomInTib]

Last week, the phone rang and I was informed that, due to all the fires out here and the fact that the house is on a redwood-covered hill, the property insurance policy was canceled, effective immediately.

When I asked for an explanation, all I got was a bucket full of crap. I was told that an "Inspector" had been out to inspect the property and had deemed it to be a "hazard". I was told he took pictures, measurements, etc.

Now, this is a rock-solid house with all underbrush cleared on a terraced hillside. The only way this place is going to burn is if it is fire-bombed.

And, without going into a bunch of unnecessary detail, there is no effing way that their "Inspector" set foot inside the walls of the property.

So I asked for a copy of the "Report" and got a total runaround.

After giving it much thought, I called the insurer (USAA) this morning to discuss what options (if any) I might have.

They actually told me that, due to all the recent fires, they could no longer incur the risk of something actually happening to a property like this one.

But they did offer to write a new policy, at triple the damned premiums of the one just canceled.

All of those thousands and thousands of dollars and never a single claim.

I feel like going out and making some news.