[craigster59]

This happened to me after the Northridge earthquake. I was insured with 20th Century (of course now 21st Century) and received some substantial damage in the quake. Quake was January, policy was renewable in June. May comes along and I get a call from 20th "We are not renewing your homeowners policy because there are not 3 full-time firefighters in Fillmore", WTF! You signed me up knowing this, I never made a claim since I didn't have earthquake insurance, I now I have a damaged home that nobody will write a policy on, I'm screwed!.

She says "well, I'm not supposed to say anything but we have had to pay on numerous claims this year and 20th is getting out of the homeowners policies." Thanks for the info, all was just peachy when you were cashing our premium checks but now that you have to dish out some of the do-re-mi you guys are heading for the hills!

Well, like a good neighbor, State Farm was there. I explained to my friends agent (she held a lot of policies with him) my predicament and he came out and photographed the house with trees and shrubbery hiding any damage. He said "we can't write new home policies except with existing customers so we will have to start you with auto policies and 3 days later we'll write a homeowners. But if they do a drive by and see damage you're out of luck.

Well, they didn't drive by, we got our policy and are with them to this day. They really saved our a$$es. I'm sure with the tornadoes, flooding, rains, hail, etc. all insurance companies are reluctant to renew policies much less write new ones.