Today I learned this
 

That folks who lost homes and other property in the So. Cal fires that have living trusts are having issues with insurance companies not wanting to pay, or breaking balls with their claims. My home is titled in the name of my trust like most are, my insurance is not so I could be in the same boat should I experience a loss or need to make a claim.

Just a heads up, made an appointment with my agent for Friday morning with my trust in hand. Insurance companies are looking for any reason to not pay up, I don't want to give them a reason.

Thanks for the heads up!

Correct. Owning entities need to be the Named Insured.

"That mattress 30' high in that tree wasn't caused by wind... it's flood damage and yer just not covered ... so yer just gonna have to sue us" - All of 'em :(

Wow. You pay, and pay, and pay, and they look for every way possible to avoid paying out when the time comes.

!!!!! My house is in my trust. I don't know about the insurance, but I'm damn sure checking, pronto.

Twenty years on PPOT and this may be the single most valuable thread yet.

Thank you.