California E&S Insurance

Thank you for the information, Dan. That's extremely helpful. Just a few more questions/clarifications. Never being in this situation, we were wondering how long we'd end up paying such high premiums, but you're saying that only typically lasts a year and then they'll normalize? We were also wondering about past claims. The roof has been nearly 3 years, so in most cases will this not be counted against us anymore when pursuing non-surplus line insurance? I couldn't think of what it was called earlier, but our independent agent says that surplus line insurance is the only option we currently have after she checked around. Thanks again for all your help.

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