fire insurance

CALIF. SUPREME COURT UPHOLDS INSURANCE COMMISSIONER’S RIGHT TO ISSUE RULES PROTECTING FIRE SURVIVORS AND CONSUMERS

 

By Miriam Raftery

January 25, 2017 (Sacramento) -- In a sweeping victory for consumers, the California Supreme Court, in a 7-0 decision, upheld Insurance Commissioner Dave Jones’ authority to require that insurers’ replacement cost estimates must actually reflect the complete cost of rebuilding a policyholder’s home after a fire.

FIRE INSURANCE RATES FOR HOMEOWNERS, BUSINESS TO DROP IN HEARTLAND FIRE DISTRICT—THANKS TO DISTRICT ATTAINING “RARE” TOP NATIONAL RATING

 

By Miriam Raftery

Photo: Heartland Fire & Rescue Chief Rick Sitta delivers good news at El Cajon Council meeting

June 9, 2015 (San Diego’s East County) – If you live in the cities of El Cajon, La Mesa or Lemon Grove, your fire insurance rates will soon be going down. That’s because Heartland Fire & Rescue, which provides firefighting services for all three cities, has received a class 1 rating from the Insurance Services Office (ISO).   

The  ISO rates 47,000 fire departments across the United States and of those, only 98 have attained a class 1 rating, including only 8 fire districts in the entire state of California.  “Class 1 communities are very rare, and some of these scores are the highest we’ve ever seen,” says Stephanie Ruscansky from the ISO, who notes that only a small fraction of 1% of all agencies rated attain a Class 1 rating.