On Saturday, July 13, the Mountain Rim Fire Safe Council will host a home insurance workshop at the Robert Hootman Community Center in Running Springs from 2:30 to 4:30 p.m. Seating is limited – registration is required.
Andrea Valdes, an outreach analyst with the California Department of Insurance, will discuss what is going on at the state level, specifically, California’s sustainable insurance strategy, which represents a proactive and comprehensive approach to safeguarding the interests of Californians in the face of climate change challenges.
Special guest speaker Paulette Bunyapanasarn, the owner-broker of the Bunyapanasarn Insurance Agency, will cover critical general property insurance issues, including:
• Standard market insurance, surplus-line and California Fair Plan.
• The danger of being underinsured and overinsured. What is the blueprint of your insurance policy – actual cash value versus replacement cost?
• Additional interest versus additional insured – What happens when there’s a claim when legal vesting entities are not properly listed or omitted on an insurance policy (i.e. trust, LLC, and/or individuals)?
• Real versus personal property – Why insurance carriers deny homeowner insurance claims or underpay in the event of claims?
• Properties: seasonal, primary, probate property, vacant, rental, commercial/business, vacant land.
• General liability and personal injury liability – What can happen?
• Deductibles: Declaration exclusions of perils and co-insurance clause – what you don’t know can hurt you.
• Residential workers compensation, in-home and/or outside employee.
• Additional living expenses and loss of rent.
• What types of endorsements or add-ons might be useful?
• Are you prepared when it comes to property insurance claim?
The workshop will close with Mountain Rim Fire Safe Council sharing information on:
• Firewise Community designation – how this can reduce your premium.
• Fire Risk Reduction Communities – what is this and how does this help communities.
• Fire safe councils – working together to reduce wildfire dangers to improve community fire resiliency.
• Grant programs for fuel reduction – financial assistance.
Thanks to Rim of the World Recreation and Park District for co-sponsoring this event. The Robert Hootman Community Center is located at 2985 Running Springs School Road, Running Springs.
Those interested in attending may register at www.FireSafeNow.org; click the Programs tab and then Insurance Workshop. Bring your insurance policy. Don’t risk being turned away at the door – register now!
For more information on Mountain Rim Fire Safe Council programs and services, visit www.FireSafeNow.org.
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