Yep, this is happening all over CA right now. The vague “increased hazard” & blurry aerial photos usually just means the carrier is shrinking their book due to fire risk.
This exact situation is why I created CoverageGuard -to help homeowners respond to non-renewals in actual underwriting language and avoid getting shoved straight into the FAIR Plan when there may still be options.
Cleaning up and submitting clear, dated photos can help, but it’s often more about underwriting appetite than the property itself.
You’re definitely not alone.