Question about the fires in California (Insurance)

[BlueJazz]

Are those homes (usually) covered by insurance or is a wildfire considered an "Act of God" ??

[devilgrrl]

1. I have fire included on my renter's insurance.

:shrug:

[burythehatchet]

2. yes they generally would be covered, no its not an act of god (in the legal sense)

[katty]

3. yes, generally they are

[cboy4]

4. Fire is usually covered. Earthquakes are not, unless

you pay extra for that coverage.

[BlueJazz]

5. Thanks Folks for setting my mind at ease. It would break my heart if I thought...

...all those people were "Screwed"

[Cleita]

6. Sometimes yes, sometimes no.

My experience is that you have insurance until a fire happens, then they drop you. I don't know if the laws have changed and insurers are forced to insure but that's the way it used to be. Years ago you could always buy cheap property in Topanga Canyon that was as nice as other canyon property in Los Angeles County because of the fire danger and the fact that you couldn't get fire insurance if you died for it.

I had my earthquake insurance dropped since we had an earthquake a few years ago. That's the way insurance companies do business. This is one of the reasons FEMA arose to fill in where the insurance companies were lacking, but we've seen what's become of that agency.