California E&S Insurance

LA woman is being dropped by her home insurer over an oak tree in her yard — the city says it’s protected and can’t be removed or damaged. Now she’s stuck, may never be able to sell her home Kerry McCalmont, a resident of Glendale, California, was told by her homeowners insurance company that she needed to make drastic changes to her property to maintain coverage. McCalmont lives in a high fire hazard zone, meaning her home is at a higher risk of forest fires. McCalmont was told to remove all plants within 5 feet of her home. She complied, spending thousands to remove shrubbery and trim trees, according to KTLA 5 News. But her insurance company said it wasn't enough, and told her she needed to cut down a tree that was just a few feet from her home. But the tree is protected by law. The local government says indigenous oak, bay, and sycamore trees are “natural aesthetic resources” and deems they cannot be damaged or destroyed in order to preserve the city's natural beauty and character. These laws leave homeowners in a bind: insurance companies demand tree removal for coverage, but city ordinances won’t allow it.

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