California E&S Insurance

My friends in Bonny Doon pay $1000/month just for the fire insurance. To get that low, low price, they had to remodel and change the siding, and do all sorts of things like remove trees and leave 20 feet between the canopies. They have 5 acres, where they couldn't see surrounding houses, now they see all their neighbors houses. They had to remove all landscaping within 30 feet of the house they can have no plants over 6 inches tall within that safety zone. It must have cost a lot to make those changes. They have a large 2 story beautiful home i think it's 2 or 3 baths, 3 or 4 bedrooms, but it's no mansion. It has a small pool; and it has a small 2 story guest home on the property, 1 bath, 10' by 12' each floor. It's got a couple nice features (like a fairly large living room with high ceilings and big beams in the ceiling), but otherwise, it's just a normal house, about 30 years old. Cutting all those trees, and removing their gorgeous landscaping, must have devalued their property a lot. That garden was her creation, She was in tears. And guess what else? *The fire department told them, that if they do have a fire, the fire dept won't even come, they will just let it burn. Because they only have access from one side of the property. The fire department wants an in-road opposite an out-road.* Even though they have all the room in the world to turn around. It's not good enough. Anyway, maybe if you do all that, you can get the cost down. (Edit, I understand why the fire department wants this access and exit on properties, I thought it was fairly obvious from what I said, which is now in italics, above. It's a new fire department policy, so yes, it is ostensibly about fire safety. But no one fighting a fire would actually be trapped on this property unless it's a raging forest fire, in which case, no one is expecting the local fire department to be obligated or put their lives at risk. Even if a house burns in downtown Santa Cruz, if it's too dangerous to fight the fire, firefighters let it burn. If they have to tear down a fence to prevent more property damage, they tear down a fence, they do, If they have to have equipment on a neighbor:s lot to fight the fire, or to save lives, they do. it's no different there in Bonny Doon except the lots are far bigger and the houses farther apart, and the policy is now different. If firefighters were "trapped" do you think they wouldn't tear down a section of fencing and drive over the neighbor's acreage to save their own lives? "Oh no, there is no other official exit from this property on the other sides; this is the only way out, but there is no surveyed, legal egress, i guess we'll all have to burn to death, because we wouldn't want to trespass on the adjacent acreage!" Do you think that firefighters are that stupid? Or does this new policy not make sense?)

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