Doubt thou the stars are fire;Doubt that the sun doth move. Shakespeare Fire devastates. Fires in California have caused serious damages to people's homes, personal property, and businesses. It's important…
Action may not always bring happiness, But there is no happiness without action.-Benjamin Disraeli In almost all cases, the City of San Diego will be responsible for a water main…
Judge a man by his questions Rather than by his answers. -Voltaire A fundamental coverage question is whether covid-19 can be considered a "physical loss or damage" to insured property.…
Truth is confirmed by inspection and delay; Falsehood by haste and uncertainty. -Tacitus Business Interruption (BI) insurance protects a business from economic losses when a business cannot continue its normal…
Do not overwork to be rich; Because of your own understanding, cease! Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly…
It is the nature of all greatness Not to be exact. -Edmund Burke Twenty-two years have passed since the California Supreme Court has weighed in on the nebulous concept of…
What I possess I would gladly retain. -Goethe Replacement cost coverage is an endorsement (a change) to your homeowners policy. It allows you to obtain replacement cost coverage (RCC) instead…
Home is where the heart is -Proverb Homeowners policies may require "appraisal." Here's what it is and what it means. An appraisal is an informal hearing and is an example…
Rank does not confer privilege or give power. It imposes responsibility. -Peter Drucker How to sue a city in California for inverse condemnation? First, determine whether you have an inverse…
Trees are poems that the earth writes upon the sky. -Kahlil Gibran First, determine who owned the trees. Second, determine what caused the fire. Third, know what damages are recoverable.…
Wisdom comes only through suffering. -Aeschylus Here's what you need to do to file a fire insurance claim. Step 1 Confirm your policy covers fire damage. Most do, however. To…
Home is where the heart is. -Proverb It's easy. Fill out this form, then mail it to the address listed on the bottom of the form. San Diego Fire Department must…