California E&S Insurance

Been here for about a year, and I've watched places we looked at originally just.....sit. Either the sellers want too much & haven't lowered the asking price, the properties are way beyond help (I'm talking extension cords being run THROUGH poured foundations to power add-ons in one of the places we looked at), or good places that are priced even semi-"reasonably" are gone in an instant. One of the ONLY reasons we were able to find the place we're at was right-place-right-time & tbh, there were factors with our sale like the property being handled by the executor of the estate---the former owner had passed & their kid was just wanting to be done with everything, so they priced it really aggressively well to sell quickly. In my opinion, they UNDERpriced it, so we got really lucky. Here's something we HAVE learned, through the process, especially moving from "suburbia" to up here with both our agent & the seller's agent not being nuanced in a place like this: 1.) When you buy a house connected to the sewer, you usually get and/or may be required to get a sewer lateral inspection. In layman's terms, that basically sticks a camera down the sewer pipe from your house to the street---if there's a problem in the sewer lateral, the homeowner is responsible for it, but if there's a problem in the street, the the city or whomever runs the sewer is responsible for it. HOWEVER, on a septic system (like many places have up here), the equivalent of a sewer lateral is the pipe from the house to the septic tank. A normal septic inspection DOES NOT look at that pipe, so if there's damage, then you're stuck with it as the new homeowner, UNLESS you have the septic folx check that one too because you explicitly asked for it, since it's not normal to do. ✨️It's 1000% worthwhile to do & tbh, idk why it isn't standard to check it, but it isn't✨️ 2.) Def consider getting a generator, the PG&E outages def can be tricky to navigate if you're not used to them already 3.) What folx are saying about fire insurance/risk is totally true. I've had neighbors who've been here for decades lose their insurance in the last year, be forced to switch to CalFair (or be like us where that was their only option to begin with), or be faced with losing their policy unless they remove dozens of BIG native trees. I totally get thinning practices & prescribed burning (this is something I do as I help to remove invasive species at my own place), but the amount that removal is being applied is excessive. There's also little available help with these tasks if you're disabled, so that's a big issue for not only our aging population (which is a good chunk tbh) but people like me whom may have varying levels of tools to know what to do, but it's sometimes lack the physical/mental capacity. If I don't get rid of my invasive species, it spreads to my neighbor's lot, where if they were doing any remediation, I might've just undone their work. NONE of this is to discourage you from moving here!!! Just know that you'll need to really consider things like WHY places are sitting, fire risk, ability to evacuate, arborist report (def get one, can recommend someone if you need it), & the nuances about how septic/propane/utilities differ here vs wherever you're moving from. Hope this helps!!!

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