A year ago, most of us downloaded an App we had never heard of before. We instantly believed and trusted the information on the App. Who are they, and how did they garner our trust so quickly? Watch Duty is a non-profit, non-partisan, non-governmental organization focused on disseminating public safety information in real time from […]
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Something every property owner needs to understand… The Backward Pricing Problem. If your insurance premiums have doubled, this explains why and what to do about it. Most property owners think insurance works like this: “I had X claims last year, so I pay Y this year.” They’re pricing backward. Looking at history. But that’s not
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What is Defensible Space? CAL FIRE defines Defensible Space as the buffer between your structure and the surrounding area. Adequate defensible space acts as a barrier to slow or halt the progress of fire that would otherwise engulf your property. It also helps ensure the safety of firefighters defending your home. Defensible Space is the
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One home burned and the other did not In a recent article by LA Times, staff writer Jack Flemming, writes about a home hardening demonstration put on by the Insurance Institute for Business & Home Safety (IBHS), and the California Building Industry Association. The demonstration pitted the ignitability of two tiny homes, one built to
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In a landmark decision, judge rules California FAIR Plan’s smoke-damage policy is illegal. A Los Angeles County Superior Court Judge said Tuesday, June 24, 2025, that the California FAIR Plan Assn.’s policy violates the insurance code because it provides less coverage than what is required by the state’s Standard Form Fire Insurance Policy. Since 2017, the plan
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