California E&S Insurance

The 2 claims starts getting tough in a lot of areas, though it depends on the roof claim somewhat. A couple of suggestions: - The high deductible is a good option. Ask about it. Make sure your lender is okay with it, but in some cases, its better to see if they complain, rather than checking. You can always lower the deductible if they complain about it. - Find out when the first claim goes over 3 years. At that point, you will probably be eligible to go back to a reasonably priced policy. In doing this, make sure you know what the cancellation policy is on your 'new' policy though. You need to ask about short rate vs pro-rate and if there is a minimum earned premium. It really doesn't matter what the answers are, just know them upfront so you aren't surprised later. - This is a rare case where you might be better off looking at some of the captive companies (State Farm / Farmers / Allstate). In some areas, they are more lenient on losses than the independent carriers. In other areas, they won't touch a 2 loss house, so there isn't any clear answer on this. Also, the insurance commissioner won't get involved in this at all, except to perhaps point you to the state ran equivalent of a 'Fair Plan' to cover those who can't get coverage elsewhere (not sure what plan they have in MO, just most states have something). These are usually poor coverage and expensive. In general, its tough to complain about a higher premium for a year when the insurance company just paid a fairly significant sum (twice) to fix your house. I get its a hard amount to come up with, but its probably only for a year. As a small correction, they didn't drop you because your claim was completed, they non-renewed you on the renewal date. This doesn't really help you in any way, except to understand what actually happens on these. Dan

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