Recent SoCal landslides spark insurance concerns for homeowners
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- Опубликовано: 21 авг 2024
- With several major landslides affecting Southern California in recent months, thousands of homeowners are placed on edge as most insurance plans don't actually cover land movement. Jeff Nguyen reports.
![[TF2] The Russian Bear Trap](http://i.ytimg.com/vi/YFNSwz2_rOA/mqdefault.jpg)
Most of these kind of disasters are because people are living (builders are building) where they shouldn’t be.
And buyers are skipping inspections
And is that in a concrete jungle like you do?
thats california in general..
One of the neighbors had a water leak that cost him $1000. This could have been the problem.
INSURANCE Is not your friend.
Imagine voting in insurance commissioners to the state that work for insurance companies. Imagine buying a house in "Rolling Hills" where rolling hills are the words of the city.
Nothing new. The wealthy have always done this. Their homes get burned or washed away on land where it always happens. Then they cry, get a insurance payout for more than the home was to build/buy and build back bigger in the SAME AREA. That is their cost for not wanting to live with the "riff raff". Zero shts given, they can afford it.
Anything they can do to avoid getting a damaged home claim honored , Liars cheats and thieves , galore ❓
they are called "Rolling Hills" for a reason .. they're made of SAND
Why do I have to "imagine"? What I imagine is that you're not very creative in posting a comment...
@@buckhorncortez Neither were you...creative that is.
Over forty years ago, some houses in my San Diego neighborhood slid down the hill. They tested the soil and discovered it was an ancient landslide area. They rebuilt on those lots but they put the new homes on stilts! We had a horrible time trying to sell our house even though we were a couple blocks away and stable. Our house was built on leveled dirt as opposed to the damaged homes built on fill dirt. In California, that is a key distinction.
Yikes! Good luck selling your home.
Spring Valley?
San Marcos (san elijo)?
Scripps Ranch?
@@1SmokingLizard San Carlos
@wandaglover4938 I don't think that area is that bad. Maybe south side yah around SDSU. Mt. Soledad I can see in danger.
You're not even close to understanding how pointless your argument is. Anything that was once slipping - because of the soil content and/or location (proximity to faults, or a combination therein) renders rebuilding on stilts a completely moot issue or resolution. It's the location and type of earth a building is on, not the type of construction, that determines whether its foundation will slip. If you're near the water, and not on bedrock and near a fault line and the ground is not solid, lacks greenery (to hold it in place) or is subject to liquefaction (as sand is), then any form of "fill dirt" or "leveled dirt" is completely irrelevant. You need to take a geophysics course to understand the history of this area and what is going on and will continue to go on as long as this planet earth is alive, because you cannot alter the earth's mantle and the workings, beneath the crust, of transverse fault activity. If you live ANYWHERE in California or on the Ring of Fire, you must understand how this works, or you're shooting craps with your life's investment.
Just south of San Francisco, homes have been built on cliffs overlooking the ocean. The cliffs consist of 100% beach sand.
It is often, just a matter of time before whole cliffs and the structures constructed on them, collapse into the ocean.
This has honestly been true and an on-going problem for well over fifty years. But the views are to die for! As long as they last.
Take only pictures, leave only footprints. Coming soon.
It is time to curb unsustainable suburban sprawl especially in geologically unstable areas. The mostly white middle and upper classes are going to have to learn to live in diverse neighborhoods whether they like it or not.
@@scsherman207 Imagine that.
@@scsherman207 that sounds pretty epic but is also a pretty terrible thing to wish upon people
@@scsherman207 😥
Back in the late 1950s & early 60s & 70s Land Geologists were mandatory before foundations could be constructed. Nowadays they are irrelevant and these developers build at will!
Honestly this makes modern architecture make so much sense
It all boils down to that damn demon dollar 👍🏻
And only fools built houses on or near a cliff , mountain side , islands, etc. 🙄
@@1badjane493 . Or in the bend of a river on the hill . Lol
I can attest to that. My uncle was a geologist on the west coast and he was involved in a lot of construction projects to ensure that the foundations were suitable for building on.
According to my layman's observations, things are far simpler. If the foundation land was a fill, it might eventually settle some or move. It the foundation land was shaved, it has far more likely completed to settle and moving. Recent Rolling Hills issue was a filled land.
I was insured by Farmers insurance for 30 years and when I had to file a claim for water damages in my house. After my house was fixed, Farmers Insurance no longer wants me as their customer after they paid $30, 000 to fix my house. They have no problem collecting money from me for 30 years but when its time for them to pay and be an "insurance" they became salty and dropped me
Ouch. I now have Farmers for my car and homeowners policy 😢 Thought it was a better choice than staying with Allstate who kept raising my rates.
All insurance companies are like that whether it is homeowners, auto, theft, or medical. Start costing them too much money 💰 and they will suddenly drop you.
Did the same to me,had to pay me out for a couple of incidents and dropped me,and i never missed or had a late payment. Geico dropped me then kept trying to get me come back for like two years straight. Farmers tried but i cussed them out😂
@@scsherman207 Yep. So, lemme see if I get this: By law you must have insurance. XYZ insurance company is happy to accept my money. But only until, or unless??? And then, suddenly they don't want the risk of insuring me. Hey, right that makes sense...LOL
@@scsherman207 You dont pay for me. I pay for myself
I said this to my sister when I visited her in Huntington Beach back 20 years ago. I could not believe what they were allowed to build on.
People are entitled in California. They feel they have to live in areas nobody else can afford to make themselves feel more accomplished
Exactly! The State can put a stop to this. There's land for sale on cliffs above people's homes...Why? Disturbing that land is just opening up the door for disaster. Those folks need to band together and stop new construction and put something in place to help in the future.
I would never live there because that's the first thing that comes to mind...landslide!
@@maidenthe80sla i would rather take the risk of flooding than the risk of my house being yeeted off the side of a cliff or in a skyscraper that will come toppling down like the world trade center when the big quake hits. And it will happen its just a matter of time. Even if it doesn’t in our lifetime it’ll happen.
California needs to implement strict urban growth boundaries similar to Oregon. It is time to clamp down on developers and curb unsustainable suburban sprawl.
@@maidenthe80sla It called graft! He who has the gold rules.
You have to get insurance for the insurance.
🤣🤣🤣 Gold!
Insurance companies do get insurance. It's called "REinsurance". One of the major reasons no new home owners insurance in California is that Reinsurance is getting too pricy for insurance companies...
Suddenly the idea of living in Fresno doesn't look so bad.
Try my state Georgia
What’s in Fresno??
@@thomasholt63 Don't encourage him.
@@Iceyfire12 Nothing but crime. However, Fresno is flat.
Plus, no major fault lines, 2-1/2 hours from the coast, 45 minutes to the Sierras.
See why State Farm, Allstate and other major property insurance carriers are NOT underwriting new homeowner policies. The risk is too high, cost of living (maintenance), etc. It's a business decision that makes perfect sense. And the Insurance Commissioner is foolish. Imagine taking the premium payments of $1.00 but having to payout $1.50 to $2.00; not rocket science in the . If you plan on buying a house in any of these HIGH risk areas, get a insurance quote first. That if you can find one
It does not matter were you live , taking away trees and scrubs will liquify the soils.
Insurance is a joke. They will take your money for years. If you file they NEVER want to pay. Always come up with an excuse.
Try reading. You are a poorly informed consumer. While policies can be challenging to understand, it (insurance) is like any financial service product in that one's interests are only properly protected when one invests time and effort in understanding what one is buying.
@26AccountsRemoved No one believes that.
@26AccountsRemoved How old are you? 10? Grow up. And stop lying.
Insurance companies are in business to make money for their shareholders. Only a fool thinks otherwise.
@26AccountsRemoved Yeah, you are, which proves you're full of shit. The lender would require you to have insurance that would cover the cost of rebuilding the house because it's mostly their house until you build more equity in it than they have. If they settled on 20k being the cost to rebuild it, then you don't own a house, you have a trailer and 20k was pretty goddam generous of them.
Funny how insurance companies don't want to pay ,but they'll get you to
Insurance policies typically list what's covered and what's NOT covered. Ignorant consumers who never bother to read their insurance policy just assume every type of loss is covered.
CA voters voted for an insurance commissioner who promised not to take donations from insurance companies and then proceeded to do so. I believe the majority of people deserve everything they voted for.
Funny, my insurance has paid every time I had a claim because I know what's covered. Maybe the ignorance of the typical homeowner regarding what they insured and what they didn't is a THEM problem and not the industry problem people think it is.
Most people are always trying to save a nickel by tripping over dollars.
They are leaving the state one by one. So they don't even want your money now. California is a bad investment.
In the 70s, I received quarterly California Geological circulars.
In one, the first line of the first article stated, "Landslides on the coast of California can occur on slopes a small as 3-5%."
So sorry that you all are going through this disaster
Unbelievable that people are surprised they can’t insure a house on a hill or it is sooo expensive. No common sense.
Problem is we are ALL going to pay higher cost of insurance because of this. Insurance companies will raise their premiums ever more.
@@brianpark2766 No, they won't pay the homeowners for conditions that were excluded from policies, like flooding, earthquake and landslide. Those are all non-covered by homeowners and are separate policies that people have to pay extra for. Most don't want them because the assume they won't need the coverage and then this happens and they cry how the insurance agencies are refusing to help them when the problem was they were cheap when it came time to get insurance. My wife has all the bells and whistles on our homeowners because she would rather pay more now and not need it instead of trying to come up with 300k+ cash to rebuild our house if something happened that wasn't covered.
All I am saying is the insurance companies have been raising their rates on home insurance and they will raise the rates even more using this as excuse.
I bet many don’t have common sense bc they also don’t have earthquake insurance, hurricane insurance, tornado insurance, etc. everyone so judgmental
Buddy got send by an Insurance company. E.g. propaganda wing of insurance alliance. They do that all the time@@nobodyspecial4702
Who knew building along fault lines, around volcanoes, or on a sinking foundation would cause damages?! Shooketh, just like the Earth.
There are hundreds of fault lines everywhere in California. So you’re saying don’t build homes anywhere in CA?
@@bpxl53yewz29 Don't build houses on fault lines. Yes.
@@bpxl53yewz29, I am saying builders need to Stop Lying Intentionally.
There are hundreds of fault throughout much of the western USA not just California. That is why the western states should not permit any suburban sprawl that is typical of the rest of the country. Building in geologically unstable areas should be prohibited 🚫
“But you have a higher chance of being in a car accident”
You can pay a whole bunch of money for full coverage, and still end up hiring a lawyer to sue your insurance company if they refuse to pay. Greed is a major mental disorder among the insurance executives.
Building on stolen land is even worse!!
This has nothing to do with the executives. The policies in CA are pretty standard across all companies. HO5 is a comprehensive format & all the major carriers provide it. The rates vary. The problem here is that these people didn't read their policy exclusions. People who buy homes in non standard areas need to buy the types of insurance that cover their exposure/risk for buying in those places. Suing the insurance company won't help. No lawyer would do that, because the policy is straightforward & it's not the insurance company's fault that people don't read them. He'd have more luck suing the insurance agent who sold him the policy. That agent has a fiduciary responsibility to the customer. If the agent doesn't properly advise the customer, then that might be grounds for an E & O (errors & omissions) lawsuit. Anyone who buys/rents has a responsibility to themselves to read their policies & understand what exclusions are on their policies. Knowledge is power.
@@crwlh6721 corporate bootlicker. What is Insurance for again? Unexpected events that can cause you millions. This is an example of one. What is the fucking point of "natural disasters, arson, "land movements" and act of god aren't covered? What is the "insure" part of the Insurance?
and stupidity is a major mental disorder of many california home owners.
I warned DWP of a mainline leak in the San Pedro area about 6 months ago, water was seeping through the asphalt throughout the city. The guys they sent out to investigate admitted that they had a large leak occurring but they had not been able to locate it and where waiting for a hole to open up or a hill to come down.
The main issue with these landslides is the lack of bedrock along coastal regions! Whereas in areas like the San Gabriel Mtns. the soil is petrified with bedrock which holds the dirt and the main factor is there is a dryer and less salt in the atmosphere unlike the damper moisture environments like beach communities! Ventura County is another landslide prone area because of its highly condensed fog saturation daily in those areas!
Which over long periods of time breaks up the dirt!
If you had enough money to buy a home on a hill, then you have the money to fix that home on a hill.
The show, "California Insider" addresses insurance companies refusing to insure California homes, ie; State Farm and many others, largely because of the catastrophic, billions of dollar losses from wildfires and flooding.
Why should they? These houses were built technically on sand. Everybody knew they would eventually have structural issues. The buyers should be like my old employer. When her primary residence was damaged in the Oakland Hills fire decades ago, she simply relocated to her secondary dwelling until the repairs we're completed. She knew she lived in a fire prone area. She had a Plan B in place...
TFB, they have all the money and can well afford it.
The hills in Southern California move. Don’t buy a house on a hillside. I’m from Southern California and have seen this happen all of my life.
Home owner, "I need to file a claim."
Insurance rep, "Can you hear me now..."
Insurance rep: “Me no esspeak Enlosh
Imagine building on the side of a sandy hill and then asking for your neighbors to pay the bill, that’s exactly what these people are asking for.
It is a form of public assistance only this time for some wealthy person.
This has been going on for decades! TO MANY PEOPLE
to many idiots with money
These problems were originally caused after the end of the Second World War when the USA made the horrible mistake of following and preferring a car centric suburban sprawl development pattern. The paranoid and prejudicial white middle class didn’t want to live with other types of people and both the federal government and the banks were wrong for encouraging this nonsensical bullshit.
When you build where no one has built before, then when shit happens , they want someone else to pay for it.
What most people don't understand is when insurance companies have to pay out these huge claims, it raises your Premiums. I'm tired of seeing home rebuilt time after time after an event like this. I blame it on the local government for chasing that tax dollar.
💯
Like, why are you rebuilding when nature has told you the end was reached?
I
Bull. I worked for two insurance companies that made money hand over fist every year and we were rewarded with bonuses and twice yearly parties. Yes they paid out claims and no, they never lost money. All they did was raise rates whether or not people filed claims.
Rolling Hills became Mountain Edge, Mountain Edge becomes The Valley's, The Valleys becomes the Sandy Lofts, Which turn into the River Side, Then the Beachfront, and finally the Crested Waves, Where you wave bye bye
"Nothing is as inevitable as a mistake whose time has come." Tussman's Law So many mistakes -
My biggest shock about the whole situation is: wow, those homeowners didn't see that coming?🤦♀️ live and (hopefully) learn, i guess.
LMFAO...It's like buying a house in the path of an airport then complaining about the noise!!!!!
I bet if I were to follow California's fault lines on Google maps, I'd find some fancy houses right on top!
They were blinded by the view!
I bet you didn’t buy earthquake insurance or many Californians for that matter so what are you spouting about. We all know it’s coming one day.
This is all the end result of unsustainable suburban sprawl because paranoid prejudiced white middle and upper classes refuse to live with “them people”.
It’s amazing to me the money we pay to insurance companies and when something like this happens they give the home owners a hard time.
Pro tip - have a GOOD agent and.... wait for it.... READ THE POLICY AND ASK QUESTIONS IF YOU DON'T UNDERSTAND. It's not some kind of annuity.
??? who is stupid enough to build on the side of a hill MADE OF SAND
Or raise the rates so high that you have to sell out. That’s what they did in Florida after the big storm.
@@crawwwfishh3284 Oh, has Florida had only one big storm? Try, like every year, dude.
@@forrestunderwood3174 Just one that I was talking about DUDE.
The county commissioner wanted to make it very clear that hiring the geologist was the responsibility of the Home Owners association. Funny because the building permits were issued by the city to build in these locals. No matter what, these owners are SOL.
Rich people enjoy dealing with day to day troubles. I’m sure you will be ok. If you buy or build a house in a area known for landslides deal with it.
I agree with you 💯 %
Back east they build exclusive subdivisions for the wealthy in areas that are mostly wetlands where flooding and subsidence are commonplace. When something goes wrong, these suburban upper class folks are crying how the insurance won’t help them and they are being persecuted. Oh well, tough shit!
You live in a zone where shit happens you shouldnt expect everything to be replaced ....call it the tough chit clause.
"Difference in conditions" is the insurance company's way of saying that your house is in a really bad location and they have no intention of taking that bet.
Having sold insurance for about 40 years, people don’t seem to be bothered to read their policies anymore. It’s a no brained to read the part of what you are covered for and the part of what is EXCLUDED under the policy..like Earthquake, Flood, Subsidence and the like. You can buy policies for those disasters and they are dang expensive, but the coverage is available. And I wonder how many of these crazy homeowners living on the edge of a hill or cliff have had a geological inspection done. 🤔. 🤦♀️
None, they paid such money for just view.
You have to be a lawyer to understand it. Or you have to hire one to find out it doesn't cover anything 3 months ago.
@@KB-ke3fi Actually California has a readability rule (started in the 80’s) so you didn’t need to have a law degree when it comes to language wording in insurance policies. If you are buying a policy it’s imperative that you actually read it. An example is you have 75,000 worth of jewelry - say your policy states your coverage for jewelry is 2,500. Big gap and problem can be solved by getting an appraisal and listing the 72,500 rest of it on a schedule and paying an extra premium for that. You don’t have to be a rocket scientist to figure out why that limit is there in the first place. And that example is chump change when you pay a couple of mil for your “forever home” overlooking a nice ocean view and it’s now your backyard is doing a slow slide and low and behold it’s not a total loss BUT building codes have changed over the years and because you didn’t read your policy regarding any rebuilding has to be done using current codes, according to the city, and you haven’t got that coverage, or at least enough of it. People need to read the dang policy and do a ‘what if” instead of “I’m good, I have an insurance policy”.
almost ALL of these could have been avoided by consulting a geologist
What’s that? 😂
@@RayRayWasAGoodBoy It's the person these landowners thought would be a waste of money for consulting services.
Actually looking to build a custom home and in the preplanning stages rn. Do you have any suggestions for selecting a geologist or a civil engineer ?
Amen! I'm surprised so many building permits were granted to begin with. Payola...
@@danstrayer111 wooooosh
This happens every 10-15 years there, can't feel the least bit bad, it would be like building your house in the bottom of a bowl valley in a rainy state, then complain the house got flooded
I’m sure that landslide insurance is now 2-3x more expensive now. I know the situation in Florida where ppl move out cause the insurance made it too expensive.
Growing up in the '70s, we learned there were three seasons in California: Fire, rain and landslide. Not much has changed, except no rain now. But there's still landslides -- because all the aquafers are drained.
14 atmospherics rivers and you call that no rain.
@@maxsmith695 I call it bad (non-existent?) water management, with the Central Valley so parched that farmers and landowners have to truck in their drinking water? Oh, now I get it. They vote Republican, while the coastal elites fill their swimming pools...
I can't believe that an insurance company would actually cover them for a rebuild if something happens like that. It's not a good risk at all.
They would if they had paid for that coverage. Most people don't get anything more than basic coverage, then cry when their problem isn't covered. That's an ignorant homeowner issue, not an insurance industry issue. When I had claims, the insurance didn't deny it, they cut the check on the spot and told me if it costs more to cover the work, call and they will send me another check to cover it.
@@nobodyspecial4702 What insurance company did you have, Nobody?
Buddy got send by an Insurance company. E.g. propaganda wing of insurance alliance. They do that all the time@@rosewoodsteel6656
I'm a 65 year old Native Californian. I remember studying California Geography in middle school and we were taught back in the 1970's about the Earthquake Faults, soil conditions, forests (encroachment) and other potentially problematic situations regarding the landscape of our State and housing developments. One would think before building or buying a multi-million dollar home, these seemingly intelligent people would have done their due diligence! The taxpayers of California shouldn't have to share the increased costs of their policies. Don't raise my premium to offset the increased cost of theirs ok?
All true: but the Lunacy of insurance companies, homeowners none due diligence, and the vipers known as building contractors, and the real estate bottom feeders make that tide hard to hold back. CALIFORNIA WAS A DIFFERENT TIME IN THE 60'S & 70'S- Might as well be 1,000 years ago. 🇺🇲🦖☄️
People who are rich don't want to read what interferes with truth. They want a 8 bedroom 10 bathroom house with kitchen, living room, laundry, pool and sauna, that's what they want.
It's insurance companies fault, they insured these homes. @2:20 behind Jeff you can there are a 3 homes that are built on the edge of the mountain, heavy winds will just knock these homes right down. But they keep getting build assuming a state of emgerncy will be declared for these home due to high property tax. That's why so many mountains in recent years have been destroyed, to only build these ugly massive acre size property. Supervisor Kathy Berger was interviewed about homes built in the path of previous wildfire; she couldn't look into the camera to give a coherent response.
If they're able to buy these homes then they should triple the insurance. Why. They can afford it. Stop increasing insurance for the rest of the country
California should imitate Florida who offers a State Insurance covering houses & cars I believe. As private insurance companies are in business to survive and make a profit there is no surprise to see them cutting areas where too many natural incidents are occuring continuously. They can't afford covering them at all; that is the sad reality.
you never heard about the FAIR Plan? Except it's up to 60% more expensive than private insurance, got to love the government efficiency?
@TheGardenMG the reason it's more expensive is probably because they'll cover homes and places private insurance companies won't because of higher risks. Higher risk= higher premiums. Not government inefficiency.
Gee, who woulda' thought that putting high density housing and roads on the side of a hill would redirect the natural water flow and activate new or reactivate old soft sediment slides.
Yes, what part of money don't people get? Greed has spoken.
i dont know why they have insurance companies in california or florida, they are both perpetual states of disaster.
Kind of reminds me a few years ago when a tree fell on me that was on the City and County Property. I couldn’t sue them due to the “Act of God” clause and my insurance only covered a partial amount of my medical bills. Only if I had disability insurance could I get money for an accident that happened due to the city’s lack of upkeep on a tree.
ins. co. filet everybody , you got fileted like everyone else.....join the club...you will never outsmart them, they have statistics on thier side...haha even ins. lawyers....
Uh oh....FF to New Orleans Jackson Square. The recent huge tree that fell and critically injured a young man, still in the hospital at this writing. (?) I am sure lawyers for the City will claim 'act of God.."..
Yet they don’t believed in God… the govt that is… and they claim Act of God?
Never heard any insurance agent mention 'differences in condition' policy despite insuring some homes on hills, even one an old landslide that had - supposedly - been repaired (it still moved and we needed more foundations to be installed). I bet almost nobody has such a policy.
Secret special clause 214, only available if you you ask for it specifically, and exactly. Lol
@@Plutogalaxy Lived in earthquake areas for 40 years (nearest fault was 300' away) and never heard of it. Was offered earthquake insurance.
@@ArthurDentZaphodBeeb That's chance in condition insurance. It's just called earthquake because that's the biggest cause of it in your area.
Anyone who buys a home on a hill should have enough common sense to ask about them (then buy them). They should look around & think: hmm, would I be subject to floods here? Earthquakes? Landslides? If I were buying a "luxury" home, I'd certainly be aware of my risk & look into policy exclusions & what I might do to cover myself for those. Heck, I'd do that for an entry level home.
"geologic instability might be compromised like if we put something heavy on the dirt or you know stuff like that" - brilliant UCLA brilliant bravo !
I think developers should have geological investigations before cutting roads in and setting in place the infrastructure for homes to be built. Schools, hospitals and businesses as well. I spend tons of time in Puerto Vallarta and surfaces slide a bit, boulders tumble, but the ground is granite and piers keep homes in place even during earthquakes! My friend bought the Taylor Burton mansion up above El Centro, earthquakes have shook the place but the mountain stayed put. These homes are built on top soil. This is a terrible tragedy
They should be forced to return the premiums paid by homeowners for any property insurance they are now abandoning. OR, be forced to stand by any property insurance homeowners paid for. Probably have to let them out of writing new policies, but they need to either reimburse or stand behind what they’ve written.
read your policy,i know its hard reading and all..home insurance doesnt cover slide.. you need a special policy
Years ago, in the mid '80s to '90s HO insurance was basically used to cover your mortgage amount and you could choose to self-insure. This kept your costs more affordable and allowed you to put away funds to cover some of the losses yourself. Then insurance companies began requiring policyholders to do replacement costs and insurance costs began to rise quite a bit. Now I find it interesting that they don't want to cover costs, but still require you to keep replacement costs. Maybe a situation similar to medical where you could insure the mortgage amount for the bank and put the rest of those funds in a "homeowners fund card" that you have the discretion to use when you have a wind storm or a flood and administer your own costs.
No, they'll cover costs if you want to buy the policy. They're not charity organizations.
You're wrong about a couple of things. It was consumers (and mortgage companies) who wanted replacement cost. Too many people found their Actual Cash Value policy wouldn't provide enough to actually rebuild if the house was destroyed. Also, there was a lot of fraud going on because people would lie about the value of their personal property in order to get more money. You can still get an ACV policy if you look around. I wonder if you have one. And second, you don't honestly think the majority of people are going to put money into a fund every month, do you? If you do, you live in a dream world. What's jacking up the cost of insurance is the higher costs of supplies and labor. Not to mention much more severe weather. Raise your deductible to $5K and see how much that will lower you premium. BTW, flooding has never been covered under homeowners insurance.
CA is the most regulated state with home building but yet this type of problem happen so often. It seems like the bureaucrats spend their time on regulating the unimportant stuffs.
My city does have a few areas that are subject to land slides. They've been mapped and construction in those zones is forbidden. That's what a properly administered government should be doing.
Whenever I tell my Californian friends that their homeland is potentially dangerous they always reply "but the weather is so nice!".
I'm pretty sure they don't all live on a cliff.
@@forrestunderwood3174 Most of them live near faultlines and consume water from a fast drying Colorado River.
Everywhere has issues. Tornadoes, hurricanes, major floods, harsh winters/summers - pick your poison.
I have lived in S. California for 60 years, haven't had an issue with earthquakes or landslides.
Yes, it is potentially dangerous, but so is pretty much everywhere else.
I live in WNY by Buffalo we get tons of snow hot summers cold cold winters I'd rather have 10ft of snow with white outs all year long knowing my home and family are safe from mudslides tornados hurricanes floods..I will take the western NY weather vs a place where my home can be gone in the blink of an eye.
@@captglenn100I live in Buffalo area we get record snow..hot humid summers and normal spring and fall..if rather have 10 ft of snow al year than have a natural disaster like mudslide hurricane or tornado..sorry but I couldn't imagine losing my home to a mud slife or another way..
How about San Francisco, the San Andres Fault goes through the middle of the city.
When you build like that, you deserve what you get!
Rule #1 , do not build a house on a dirt cliff.
Building where you shouldn't, you get what you deserve..
Hillside homes are pretty but I'd never have one in California for sure bc of EQs and landslides
"The fabulous view" is hardly worth it, 4 sure.
When it's time for insurance companies to pay, they come up with all these loopholes! But most likely never told the owner about those loopholes when they 1st signed up.
This is wonderful and SO deserved!
When nature takes itself back
Southern California Hillsides are MAN MADE [many of them ] by home developers. these are the consequences in many instances [not all] in other cases it’s mud slide after the heavy rains & in few instances ground was moved by earthquakes & its vulnerable to slides.
This is why when you build a home [and especially developers] you should be testing soil erosion but the TRUTH is - nobody care, it’s all about money & if you are stupid enough to buy a home in such places these are the consequences & it’s just the matter of time & when NOT if!
Don’t blame on earthquakes, none of this is caused by earthquakes - bs!
They don't tell that to those that are buying 😵💫
When you submit plans to the city you must prove that the area you are building on is native, undisturbed soil - not fill - or design the footings and foundation to much higher requirements for a different soil bearing capacity. SoCa architect.
@@ravenone6255 I know that & this is why I am telling them but they should have enough common sense to know about soil erosion, flood zones [government has maps - free to inspect on the Internet] & earthquake’s fault zones. I watched people building beautiful homes right on the San Andreas fault, literally - they are seating on the top of San Andreas fault’s tail.
The problem is that the only people buying these policies are the people who need them. The insurance company knows this so the premium will be approximately the cost of the house.
A lot of people AND companies LACK COMMON SENSE.......I would never insure a house on the side of a cliff OR on the coast line. whatever, ignorance is bliss.
I built on the coastline....it's a yacht.
They don't call it rolling hills for nothin 😏
You don't need an expert to tell you about how rain shapes the earth; just remember your geographic class and use it for your decisions along with your common sense. Or, let’s just say “S... happens.”
Rich people need your help in donations
GET A PUBLIC ADJUSTER!! When we had a huge flood in our house that destroyed every room, the insurance company barely wanted to cover 1 main room. We then hired a Public Adjuster, paid him 10% of anything we received from the insurance (excluding lodging and meal reimburment), and he got the insurance to cover everything that was damaged put us in a nice hotel while the repairs were completed...
Bet they work together to get even more money out of you.
Insurance are pain in the ass but they sure love the payments with no claims
Everything about living in California is stupid, even the ground 🤣
as opposed to living in Texas and being hit with floods and tornados...or living in Florida where you are assured to be hit with a hurricane yearly ...
At least it's cheap those houses are millions of dollars. I could buy a couple of houses in texas and Californians really think their shit don't stink
There is no guarantee when you buy a home just a lot of increase insurance fees. From what I read Insurance companies do not even want to cover fires anymore if you live in the hills.
Insurance companies are good at a few things, like taking your premium and discontinuing your policy if you’re a day late, refusing coverage for anything they see fit. But government mandates you have it. 🤔
builders are at fault here...
It does not matter what you buy, or what happens to your home…insurance companies want to pay their CEO’S, not their customers who have legitimate claims. What a nasty dishonest industry!
Things communists say
Well...then if you feel that strongly you should do something about it.
take a string of large heavy homes, place them close together on the edge of a steep drop and act like insurance should cover . duhhhhhh
Look. There may be a lot of neighborhoods that are not safe, but this one stands out as a textbook case. Specifically. When I was in college, this development was in the textbook!! Build on a firm foundation, not in a slide area 🤨🤦🏽♀️
Also don’t build in a wetlands area or floodways like they do back east.
Need to sue the city that issued the permits to build there.
Nope.
quick, somebody post a link to all the insurance companies that are not issuing new policies in the state of california. it started happening months ago. got nothing to do with landslides today.
ROFLMAO
"i didn't know a house on the side of a hill would wash away. no one told me. now you pay for it for me."
I feel badly for these people, but a couple of university classes in geology and seismology tell me that we can't load these dangerous slopes with tons of cement and expect nothing to happen.
it is almost like, Perhaps Having the State or the County Step Up and Demand these Insurance Companies Actual Pay the People What they are Owned.
Gives a whole new meaning to Rolling Hills.
Why is no one outraged that the building code department allowed this builder to build on unstable cliff land.? Here's where the concern really is- allowing buildings on unstable ground. Already in San Fancisco and New York and Florida (no doubt many other areas) tall condo buildings are leaning and in danger of falling over or have already done so.
Well now if one of those homes is Gascon, that would be most welcome news.
Greedy contractors, the city/state/county (who want the annual property taxes) and people with too much money who want to live in these areas should be able to be self-insured...
Give all your worries and cares to God for he cares about you.
🙌❤
Trust me, he doesn’t have a DIFFERENCE IN CONDITIONING POLICY because when the agent tried to sell him on it he didn’t see the “condition” in his future! You can never over insure a property in California! Wisdom!
So what do you think is going to happen, homes get built on hillsides and the same hillsides that have not been disturbed in millennia, the ground gets torn up and now you dig for sewers and you pour concrete and asphalt and build homes, and homeowners put pools in the yards. Doesn’t anyone recognize that all that added weight will cause the land to shift and slide🤔 I guess not.
Separate issue here, but we should definitely close all these loopholes in insurance, if you have a home and it's destroyed, your insurance company should be on the hook to build you a new home. Where the homes are built and how much they pay in insurance is up for debate. But definitely no more loopholes that leave people thinking their insured and then homeless after their home is destroyed.
Presumably, these subdivisions would require permitting that would involve an assessment of the site by a licensed civil or geotechnical engineer. Was that accomplished here?
200 years ago,this area was sand dunes. Once domesticated, a bit of grass and some shrubs grew. Now they complain about building on sand.
Insurance does not cover floods, earth, movement, earthquake, surface water, different of conditions. Check with your insurance company or your agent.
Smart move:
Buy hill side home in state famous for it's earthquakes. Sound investment indeed.
Im just a female retiree above the 49th, but it is obvious CALIF geologists, planners, construction firms are NOT FUNCTIONING FROM KNOWLEDGE OR INTEGRITY. The later are functioning from greed.
The contractors should be respondible. Usually the dirt is tested for these problems.
Insurance companies are filthy rich. Premiums are sky high and they limit what they cover and always try to avoid paying anything.
You're not the brightest bulb in the knife drawer.
@@Look_What_You_Did Whatever, clown.
Animal agriculture does have significant environmental impacts: 1) Greenhouse gas emissions: Animal agriculture is a major contributor to greenhouse gas emissions. Livestock production, particularly cattle, produces methane, a potent greenhouse gas. Additionally, clearing land for grazing or growing animal feed releases carbon dioxide, contributing to deforestation and climate change. 2) Land and water use: Animal agriculture requires vast amounts of land and water. Raising livestock necessitates large areas for grazing or cultivating animal feed crops. This leads to deforestation, habitat loss, and soil degradation. Furthermore, animal agriculture consumes substantial amounts of water for animal hydration and crop irrigation. 3) Water pollution: The concentration of livestock in factory farming operations generates significant amounts of waste. The runoff from these operations can pollute water bodies, contributing to water pollution and eutrophication. 4) Biodiversity loss: The expansion of animal agriculture encroaches on natural habitats, leading to the loss of biodiversity. Deforestation for grazing or feed crop cultivation reduces habitat availability for various plant and animal species, contributing to species extinction. 5) Antibiotic resistance: The routine use of antibiotics in animal agriculture to promote growth and prevent diseases contributes to the rise of antibiotic-resistant bacteria. This poses risks to human health as well.
Just one more story in the seemingly endless list of reasons why I would NEVER live on the West Coast.