18 Burst results for "Insurance Information Institute"

"insurance information institute" Discussed on Money Girl's Quick and Dirty Tips for a Richer Life

Money Girl's Quick and Dirty Tips for a Richer Life

01:54 min | 1 year ago

"insurance information institute" Discussed on Money Girl's Quick and Dirty Tips for a Richer Life

"And according to the insurance information institute there are nineteen states and the district of columbia that have hurricane deductibles <music>. These special types of deductibles are additional and separate from the regular deductible. You have for other types of claims such as fire or theft aft and hurricane deductible applies only to damage from hurricanes or windstorm or hail deductibles would apply only to wind damage and and hurricane and wind deductibles are typically given as a percentage and they may vary. Let's say from one percent to five percent or maybe a little bit more of your a home insured value and they can even be higher in some coastal areas and so you're going to elect and most cases what that percentage is and it's definitely going to affect your premium. The amount that you have to pay in the event of one of these special disasters will depend on the insured value of your home and the trigger event so let's say you have a three per cent. Hurricane deductible and your home is insured for two hundred thousand dollars. You would be responsible symbol for the first six thousand dollars in repair costs so six thousand is two hundred thousand dollars times three percent now. That's a whole whole lot more expensive than paying a standard home deductible which might be five hundred or a thousand dollars in some states. The triggering event for a hurricane hurricane deductible to apply is when a category one storm causes damage whether it made landfall or not other states allow category to to be the threshold and others hurricane deductible applies from the moment a hurricane watch or warning gets issued until seventy two hours after it ends and hurricane deductible can only be applied once each hurricane season and that's from.

hurricane insurance information institut theft columbia two hundred thousand dollars six thousand dollars seventy two hours thousand dollars three percent five percent one percent
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

03:06 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"Fifty foot flames about one hundred yards behind our house and as up all night. Our house is still there. I feel very fortunate. I mean, you look at those people in paradise where there's twenty nine people debt and two hundred missing they can just couldn't get out at all. They couldn't do anything. So. Yeah, I'm very fortunate standing amid all of the destruction. He said he feels numb to it through the Ninety-three fire. I cried when I saw the houses, and I feel really horrible about this. But I'm a little bit numb. There's just so many people lost everything. One woman. I spoke to offered a bit of a silver lining. She told me everyone has really stepped up to help each other in any way, they can in Malibu, Margaret, caro- KNX, ten seventy NewsRadio. And some people who live near the Wolsey fire are being warned not to drink tap water without boiling, it I they've gotten this message from the Las Virginis municipal water district affected. Areas of a boil water notice are located east of the Ventura County line south of the city of Wesley village north of the city of Malibu in west of corral canyon, the people in the three springs neighborhood of Westlake village as well as in Calabasas Agoura hills hidden hills and the city of Westlake village don't have to take precautions their tap water is safe to drink. The air around the fire area and many parts of LA county is still unhealthy. A smoke. Advisory remains in effect Patrick Chandler with a south coast air quality management district tells KNX it's hard to say when things will get better. Does play a factor on where that smoke settles and the quality of the air. So it's really important that for people who may have asthma or other respiratory issues. Take the proper precautions he says, he flew smell smoke or live in the fire area. Should avoid outdoor exercise Chandler also says people with asthma or other respiratory issues should take precautions and maybe even where n ninety five or p one hundred masks. The good news is that insurance company representatives are already on the scene helping people begin recovery from the fires. The bad news is some homeowners are finding out insurance refunds will not be enough. Some homeowners are discovering at the worst possible time that their insurance plans don't cover the full cost of rebuilding homes. Janet, Ruis is the California Representative for the Insurance Information Institute, and she acknowledges to KNX in-depth that some homeowners are being dropped because of the fire danger. It is a yearly contract and insurers helps to make sure that they can take claims so they will balance their book of business, but there are companies still writing and there are a surplus lines like Lloyd's of London and those who actually provide good insurance as well. The problem is that those policies can be much too expensive for many people in some homeowners are finding they can't get covered at.

Patrick Chandler KNX Malibu Westlake village Insurance Information Institut asthma LA county Las Virginis Ventura County Wesley village Ruis Calabasas Lloyd corral canyon Representative California Margaret Janet London
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

03:26 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"Time and place where the Wolsey fire began. We don't know why we don't know what caused it to go out for our requirements of any type of incident that occurs on our system. We report to the PUC, which is what we get Steve Conroy. We do not know its relationship to the fire at this time at all until we're able to take a look at our equipment further in the area of the possible origins. This report that we made preliminary also under investigation the possible role PG and E equipment problems may have played in the deadly campfire. Fire up north club has Cuba. KNX ten seventy NewsRadio. The Wolsey fire left behind a trail of destruction in Malibu's point Dume on doom drive alone. At least a dozen homes were destroyed by Friday's massive firestorm. I saw one man hosing down the roof of a home that survived to protect it from any embers that may still lurk with Santa Anna winds in the forecast until at least Wednesday the homes on either side of him. And across the street had been lost. Karen was hanging out at a friend's house that made it through she lives in Malibu west. I've been here for quite a while many decades. And Vince who fires never anything like this where all of Malibu has been affected and devastated at certain. I mean, we've had canyon. Fires are we've had one down south or up north. Yeah. I've never seen anything. We were talking about every aspect of Malibu. Every canyon every neighborhood has been affected a nursing anything like that. She said her neighborhood looked like a war zone. And she couldn't believe. The resilience of one neighbor whose home burned to the ground Friday night that night. He's gone. Hey, I'm gonna buy a used RV park in my driveway and rebuild my house. And she says he defended home across the street. He saw some flames, and he took his they were gone. He took his house and put out the front of their house. They're all their landscaping and put it out that house would've burned and his he's behind his Zuma ground. Stuff like that mazing. She told me she feels like the fire has brought an already tight knit community even closer together in Malibu. Margaret, caro- KNX ten seventy NewsRadio people who have lost everything in the fires are turning to their insurance companies for help. But many are in for a quote, rude awakening insurance companies already have agents on the scene helping people in the immediate aftermath handing out debit cards or renting another place to live a hotel room giving food and also renting vehicle, but some people are finding out too late to their premiums. Don't cover total losses. Janet. Ruis is the California Representative for the Insurance Information Institute, and she tells KNX in-depth people are covered if they're paying the right premiums. They pick to amounts of insurance that would make them able to rebuild the home. So we do work closely with our insurance and try to help them come. Up with amount. So they can rebuild the promo many of run into is that the values of their homes have gone up over the years, but their insurance plans haven't kept up and some people are denied coverage because they live in fire zones. Rob Archer KNX ten seventy NewsRadio coming up. We'll check your jive with heat in Toronto. And don't forget you can hear Canucks on the FM. Dial go to one at one point one FM HD two or on demand by downloading the radio dot com app. Where everywhere you are this week..

Malibu KNX Vince Malibu west Rob Archer KNX PUC PG Steve Conroy Insurance Information Institut Cuba Ruis Karen Dume Toronto Janet Margaret Representative California
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

01:38 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"At the corner of valley circle and bell canyon. With a lot of the residents that lived in the area, and they all wanted to go back in Saturday morning after that bad Friday night seemed like everything the worst was over would have been a good idea to go on back home as you can see from the wisdom and the experience the firefighters they knew better than to open that because the wind came back in the fire team back with a vengeance later that day, and it would have caused much bigger problem. Having that Gavin Vernon says, they added more officers to help those who are allowed back into flyer. Areas to retrieve their belongings people who have lost everything are turning to their insurance companies for help, but many are in for a rude awakening. Insurance companies already have agents on the scene helping people in the immediate aftermath handing out debit cards or renting another place to live a hotel room giving food and also renting vehicle, but some people are finding out too late to their premiums. Don't cover total losses. Janet. Ruis is the California Representative for the Insurance Information Institute, and she tells k next in-depth the people are covered if they're paying the right premiums. They pick to amounts of insurance that would make them able to rebuild the home. So we do work closely with our insurance. I'm trying to help them come up with amount. So they can rebuild the promo many have run into is that the values of their homes have gone up over the years, but their insurance plans haven't kept up and some people are denied coverage because they live in fire zones. Rob Archer KNX, ten seventy NewsRadio. We'll check your traffic.

Insurance Information Institut bell canyon Rob Archer KNX Gavin Vernon Ruis Janet Representative California k
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

03:55 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"Place to live hotel room giving food and also renting vehicles so many vehicles where lot so of that is the positive news from the insurance industry is we're already out there and serving those people who have insurance policies. Okay. Now, let's talk about the negative news. So for for somebody who has fire coverage are they likely to recoup their entire losses? Well, they are they picked to amounts of insurance that would make them able to rebuild a home. So we do work closely with our insurance. I'm trying to help them come up with amount. So they can rebuild. There is sometimes a difficulty with the demand surge after these major losses when contractors maybe short or materials, maybe more expensive. But we do our best to help people recover from those losses and rebuild their home. We looked at. Ask you this. Because it's my understanding and correct me if I'm wrong that obviously what you get back on insurance depends on the valuation of your home valuations on homes change, sometimes rather radically. Am I right that the insurance industry insurance company would ever company you have has no affirmative obligation to check back with you to see if the valuation of your property has changed? That's really up to you. Right. The the homeowner. We do we have always recommended that folks check back in with their agents and make sure they have enough, especially if they do remodeling and many insurance companies do retail to help their policyholders. So I I think we do try to do them on a regular basis. We also build in some coverages. There is an extra coverage for rebuilding. There's building. Encode upgrade on most policies and also in inflation amount. So those do help with helping people keep up, but it is important to do that every year now with the way the construction business and the material. Keep going up, and you know, the labor shortage in construction when we talk about a year to year changes. We're we're starting to see some changes for people who have been with some companies years and years and years, maybe their home is kind of near a hillside and suddenly they get denied coverage because they're in a wildfire zone. And this is not making any sense to them. So what's going on there? If they've been with the company twenty years and then suddenly sorry. No. So it is a yearly contract and insurers helps to make sure that they can take claims so they will balance their book of business, but there are companies still writing and there are a surplus lines like Lloyd's of London and those who actually provide good insurance as well. So you may have to change carriers, but we do recommend people shop and compare and there is still insurance available. The fair plan California fair plan is last-resort. It is some more basic coverage, but in the most highest risk areas. It is something worth purchasing. Okay. That's generous California rep for the insurance information institute's, and when Kane ex in-depth continues in about six minutes Ventura county's first responders have been pushed to their absolute limits and beyond over these past few days..

insurance information institut California Ventura county Kane London Lloyd twenty years six minutes
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

02:23 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"You're listening to next in-depth long. Charles feldman. Mike simpson. Sure, the midterm elections were we go. But there are a bunch of key races that are far from settled and his recounts. Get going lawsuits are flying. We'll get a clear picture of where undecided races stand and Florida, Georgia Arizona and right here in California right now, though, people who have lost everything over the past few days going to be turning to their insurance companies to help put things back together, but they could be in for rude awakening because premiums won't always cover all of the losses. Also, just getting insurance coverage wildfire risk zones could be a major challenge in the years ahead. We're gonna talk about an now agenda. Res the California Representative for the Insurance Information Institute so Jenner. Let's just start with what people need to know if they have been affected by this in the worst way and need to be starting in on the claims process. Thanks so much for having me. These are just terrible. Fires and the insurance. Companies are already on site in two Thousand Oaks and Chico handing out debit cards or renting another place to live a hotel room giving food and also renting vehicles so many vehicles where loss so of that is the positive news from the insurance industry is already out there and serving those people who have insurance policy. Okay, now, let's talk about the negative news. So for for somebody who has fire coverage are they likely to recoup their entire losses? Well, they are if they pick to amounts of insurance that would make them able to rebuild a home. So we do work closely with our insurance and try to help them come up with amount. So they can rebuild there is sometimes a difficulty with the demand surge ouster these major losses when contractors maybe short or materials, maybe more expensive. But we do our best to help people recover from those losses and rebuild their homes. We looked at. Let me ask you this. Because I it's my understanding and correct me from wrong that obviously what you get back.

Insurance Information Institut Charles feldman California Mike simpson Thousand Oaks Representative Florida Georgia Arizona Chico
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

02:38 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"A crash before the five second lane from the left that would place almost right in the. Middle the freeway it's going to be slow now for Martin Luther King junior boulevard on your northbound one tent and again I mentioned there's one oh five is shut down at the one ten. So. Northbound it's, going to be extra heavy this afternoon, southbound is well pretty much a crawl at downtown's he can always use Vermont and smelted. It for that southbound seventeen Atlantic truck clear from lanes. Still, heavy from the. Sixty and mid city westbound. Ten Crenshaw still have the fire department holding the right lane with an injury crash that's got you heavy out of downtown, our next report, four twenty-five I'm Brian Douglas more traffic reports, more often, k next in seventy NewsRadio temperatures not. Changing a whole lot as we go through the weekend will remain right about seventy seven. Along the coast start the mornings off with the mid and. Upper sixties downtown LA OC metro areas About eighty three which is. Right about close to average for this time of year the, valleys and the Illinois. Empire ninety one ninety two degrees midnights for the high, desert. And upper seventies for the mountain communities now next Monday Tuesday and Wednesday a storm will park over the bay, area the. Seabreeze will increase for us we'll stay with mid seventies along the coast low eighties for the. Basin and, OC metro areas and, through, the valleys and I e we will, be. In the mid and upper eighties we'll see a few. Mid nineties for the high desert with southern California's. Most accurate and dependable forecast I'm CBS to meteorologist Craig Herrera KNX seventy NewsRadio, Eighty-six in Santa, Clarita seventy eight degrees downtown LA eighty four. Now in Anaheim it's for eighteen the city of Torrence has changed its police complaint form. After a grand jury investigation found that. It was intimidating the form. Had a warning on it and it threatened legal action if the person filed. A false report that warning has been removed the grand jury report is titled policing the police it looked into. How the public and filed complaints against police in a dozen cities in LA county Including Inglewood and Culver city officials taken stock of massive losses as, many of the wildfires have been burning up and down the states start to calm down with at least a dozen people killed. Over, twelve hundred, homes lost in, the summer fires the Insurance Information Institute estimates. The car fire alone which burned. In reading resulted in one point five billion, dollars in losses then there's the hit of tourism we talked HD Palmer at the department of finance marketing agencies for the state that the. Deal with tours of estimated that the cancellation of a number of trips to these types of areas. Has caused a state about twenty, million dollars last month and that doesn't even cover the cost of damages associated. With the property, in the homes. That individuals who've been in the middle of these fires have suffered farmer says most of the state's annual firefighting. Buzzer was used up and just two months over the next five. Years the l. a. DWP will invest one hundred million dollars for. A rebate program to incentivize customers to install attic..

LA OC Martin Luther DWP Vermont LA smelted Crenshaw Anaheim Insurance Information Institut LA county Brian Douglas California Craig Herrera Torrence Illinois CBS Palmer Culver Santa
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

01:40 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"Of weeks ago sentiment Email, sent him the texts he'd sent me the last line on his head was It's all going to burn just like you planned I'm, not sure what he talked about, what he meant when he said planned skirling being held in lieu of one million dollars bail. If convicted on all charges he could be, sentenced to life in. Prison crews fighting the fire will get no relief from the. Scorching weather with excessive heat warning in effect for most of southern, California today we get more from Ray Stagich from the Weather Channel he'd sneaks back. In today along the immediate coast maybe a little bit of relief with a week marine layer but most of us. Are going, to be in the nineties and through the valleys into the mountains that's a really gonna see the triple digit heat I don't know about. Setting records but still about one hundred. Maybe as hot as one weight and some of the normally hottest places the excessive. Heat warnings in effect until eight o'clock tonight for everybody or. Even going to, continue to see that threat for more warm temperatures tomorrow. No advisories. Or. Warnings yet for the heat but still most of us in the nineties cooldown coming maybe. Near normal temperatures by the end of the weekend or early next week and even. A slight chance today tomorrow of shower thunderstorm in some of the mountains with some monsoonal moisture from. The Weather Channel I'm meteorologist raced educate next ten seventy news right There are more than a dozen fires burning in California right now and when they finally get put out the fire. Damage is likely to be monumental in fact losses could set. All time records in the state the state's biggest, fire ever the Mendocino complex fire has already destroyed more than, one hundred homes and other buildings the car fire near reading destroyed or damaged another thirteen hundred the. Insurance Information Institute says insured and uninsured losses from. The car fire alone will cost, about one point five billion dollars as the holy fire rages on officials are concerned about possible flash floods the.

Weather Channel California Ray Stagich Insurance Information Institut Mendocino five billion dollars one million dollars
"insurance information institute" Discussed on KNX 1070 NEWSRADIO

KNX 1070 NEWSRADIO

01:59 min | 2 years ago

"insurance information institute" Discussed on KNX 1070 NEWSRADIO

"Tells CBS to he's Clark for decades not, surprised by the arrest for years for years the forest service and the sheriff, have dealt with forest and. His problems Clark being held on a million dollars bail everybody just wants to know. How long the heat is. Going to, last a continuing our in depth team coverage Ray Stagich at the Weather Channel right Vicky the extreme he'd probably for one more day we'll get a little bit of. Relief as we go through. Tomorrow I just say a little. Bit advertiser semi you're downtown LA in the. Middle eighties we may get there but it's gonna. Take more than just tomorrow. It's probably, going to be the end of the weekend but for now we're under the successive heat warning that's put out by the national weather service that's an, effect until eight o'clock. Tonight for many of us including downtown Los Angeles all the way out to, the beaches where it is going to be cooler but still warm for them it's inland as you get into the valleys in the mountains where it is dry it's going to get Wendy this afternoon. The triple digit heat is going to be probably between about one hundred Hot as one away in. Some spots as. You get closer into downtown LA. Probably the middle nineties, once again and by the way yesterday LAX did. Set a record at ninety four degrees so the hot weather's gonna stick around today today's the hottest day probably of. The next five days a slow cool down coming with the coolest weather settling in by the end of the, weekend and there may there may, be? A. Shower or thunderstorm in some of the mountains, today and especially tomorrow like Vicky more than dozen fires still burning. In California right now when they finally get. Put outs the damage likely to be, monumental in fact losses, could set an all time record for the. State's states ever fire the Mendocino complex has already destroyed, more than one hundred homes and other buildings that car fire near reading destroyed or damaged another. Thirteen hundred Insurance Information Institute says insured and uninsured losses for, the car fire alone, going to cost about one and a half billion dollars seven thirty four ad, KNX an Uber car the. Focus of an investigation and east LA this morning a woman's been shot in the, head and there's a search. Underway for, a gunman let's go back live to the scene get the latest extensive Craig thickener The shooting happened at. Ten fifteen. Last night.

Los Angeles Vicky Clark Ray Stagich CBS Insurance Information Institut LAX California Wendy KNX ninety four degrees billion dollars million dollars five days
"insurance information institute" Discussed on The Money Guy Show

The Money Guy Show

01:35 min | 2 years ago

"insurance information institute" Discussed on The Money Guy Show

"You wanna get more mileage out of your auto insurance premiums we've got none ways the lower your auto insurance costs from the insurance information institute it's brian preston the money guy restoring order to your financial chaos retirement investing taxes you got financial questions he's got financial answers it's brian preston the money guy you know bow we get on a daily basis i'll probably have so many people offer to go s right stories for us right and unfortunately for all you guys out there we ride our contents right so it's it's one of those things where those things fall on deaf ears but i do want to give a shout out because this shows a little different today is that i was out doing show prep i another topic came across this piece from the insurance information institute and i was like this is so good that i'm just going to use some of their content and then we're going to add the money guy loved to but it's the non ways the lower your auto insurance call and this could have been written by us it you don't have love about that we all have you drive a car you have to have autobuilders is nonnegotiable you don't get choose that and so if you're gonna make me spend my money i sure do love no ways that i can make that even just a little bit less painful so before we get into the nine there is a freebie that they provided have a great driving record that's probably the most obvious thing in the world if if you can keep especially because we can tell you from our own client history if you have teenage children and they run into something be careful thought before you fall.

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Efforts to arm teachers resisted by one key group: insurance companies

News, Traffic and Weather

00:49 sec | 2 years ago

Efforts to arm teachers resisted by one key group: insurance companies

"The country consider the idea of arming teachers is a way of stopping an active shooter are those expressing serious doubt abc's pete combs reports some of those doubts are coming from the companies that ensure those schools far from the strident emotions that rox school board meetings were arming teachers is on the agenda the people who figure out insurance rates are nervous ensures are concerned about some of the unintended consequences that's michael berry the insurance information institute a new york he's talking about concerns that a teacher might fire a gun accidentally might be lost or stolen or at the wrong person might end up in the line of fire here in georgia the state school board association says it's still trying to calculate the risk and the cost it will charge school districts to cover it pete combs abc news atlanta if you don't wanna pay the big ticket price for brand new smartphone you can save hundreds.

ABC Pete Combs Michael Berry Georgia State School Board Association Rox School
"insurance information institute" Discussed on KMOX News Radio 1120

KMOX News Radio 1120

02:26 min | 3 years ago

"insurance information institute" Discussed on KMOX News Radio 1120

"East into downtown st louis i maria keenan the steeple traffic center we have clouds this morning vote we should see some sunshine as we head into the afternoon a high today of forty six degrees tomorrow should be fantastic sunshine breezy high of sixty occasional rain in the morning on sunday with a high of fifty two and fifty nine on monday sixty again on tuesday currently it's cloudy downtown m thirty one degrees twenty nine states and the district of columbia currently have laws that legalize marijuana in some form however driving while high is still illegal joining us right now is james lind she with the insurance information institute and is driving while high a big problem gem well if you're growing problem uh what we're finding new states have required recreational marijuana in an increase in their crash rate are statistically significant increases your crash rate and what we're trying to do with the insurance organizations of trying to call attention to this show that address this problem now rather than wait for it to fester and then have a bigger problem on our hands and we new surveys will show that americans seemed to be coming around to decriminalising marijuana or more supportive of legalization of marijuana but are they are americans generally aware of the dangers of driving while under the influence of marijuana you'd electric great question because yeah through yes and no uh yet they're aware of it we've gone from public opinion surveys and we found that about a harassed folded we have john uh ninety one percent of people query that uh they believe that driving law high on marijuana always dangerous so that's that's the good news i guess and then the uh not so good news is that only forty percent think that it contributes to more ardo accidents uh on on the nation's highway and uh again you pat studies brag insurance organizations have shown there is a statistically significant increase so there's a disconnect in people's minds uh but that's what we wanted to we want to help people you know this is a dangerous thing don't go out there and drives if you are a person who um in using marijuana so when we talk about the number and states that now legalize some form of marijuana you said that crashes are up i would imagine that's probably.

columbia marijuana insurance information institut maria keenan james lind ninety one percent thirty one degrees forty six degrees forty percent
"insurance information institute" Discussed on KQED Radio

KQED Radio

02:14 min | 3 years ago

"insurance information institute" Discussed on KQED Radio

"The process can some of the assessment of damages for insurance purposes be conducted by drone or is the damage to extensive in many cases to be able to hide d a addresses i mean maybe talk about the assessment process and how long that usually takes yet yeah that's a really good point aaron actually are drowned rv is quite a bit in the at their car now as they can be really how a call um with the total wire her uh you know the insurance adjusters they're going to be out and they're gonna be looking at that erin i don't no firm with the air out or there's going how uh how bad they will work three of those issues as they bring in a large workforce of catastrophe crane threat faith in their their uh who will be out to the dan ryan care opinion face again is there area and again general lease with us by phone california representative as the insurance information institute they're a nonprofit that serves to promote public understanding of insurance and our next caller joins us from berkeley colon you're on the air colin are you there i'm here in europe yeah at first i couldn't benign i can thank you sorry about that good morning this may be a question for mr but my understanding is uh back or if you're the ninety one oakland hills fire uh the insurance industry had a a real challenge paying out insurance claims were basically overwhelmed by that hard i understand even after you've added it kinda changed the way property you're sure and i'm wondering whether that change is is really playing out of helping new jersey be more they don't like risky for northern california thank you for the question poland general leaves great credit fan aaron are we are you out as islamic dan narrow our hearts go out here over affected and work yeah are the insurance industry is way better prepared in 2000 current being and if there to help clear very can prove then 'cause he under career um how we if their claim founder now rival of.

insurance purposes aaron representative insurance information institut insurance industry insurance claims california founder dan ryan berkeley europe poland
"insurance information institute" Discussed on KQED Radio

KQED Radio

01:39 min | 3 years ago

"insurance information institute" Discussed on KQED Radio

"And click on this segment and uh we've touching on the wine industry before we went to that break and i should mention that thousands work in the vineyards this time of year particularly the wind and tourist industry has a hundred thousand jobs distance in oman napa alone so we're talking about no people who are affected in a scaled it just boggles the mind uh it's also kind of early lewis says some of the damages economically un particularly things like to win is who particularly the also the pot industry um since as was said earlier this kind of a mystery in many respects but but ninety percent of the graves have been and picked before the sunday fires in the uh well this some concern about actually the graves being tainted by the fire that's a whole other question them in stocks have gone down the wind stocks have gone down and has been some concern about wind costs going up uh as a result of that rubber and gets income in all that sure i mean there should be a lot of supply chain affects at least in the short term from trucking two glass bottle cork movements that would have gone otherwise especially with following is taking place right after the harvest is over from last year's harvest that's been aging uh depending on how the vineyards holed up in napa and sonoma counties and so also true for sudden lake county in men sinoe county i'll there's a lot of different elements to this that we have yet assessed and let me just go back for a moment if i may before forebear callers and email as into this general lease to you again ginneries represents he um the insurance information institute or a nonprofit they serve to promote public understanding of him sure has given the scale of this in terms of losses so vast.

tourist industry oman napa lewis supply chain lake county insurance information institut napa sonoma ninety percent
"insurance information institute" Discussed on KQED Radio

KQED Radio

01:56 min | 3 years ago

"insurance information institute" Discussed on KQED Radio

"The insurance information institute there are nonprofits it serves to promote public understanding of insurance and welcome janet ruis keira appreciate the opportunity there carpet we'll thank you we appreciate you being with us and let me begin with rubber guiler who is i said is here with us in studio thousands of buildings and structures destroyed whole neighbourhoods devastated the the wind tourist industries and the pot industry for that no you wonder where does rebuilding begin that's a great question so the rebuilding is likely to begin a non immediately because we don't have a full assessment yet of the types of structures the full occasion of the structures and really how many people are going to engage in full rebuilding effort right away so it's going to take some time to assess all the damage and really put arms around the commercial residential aspects of what's happened now what about the housing aspect some you've got so many people right now don't have a roof over their head who have nowhere to go and for the shortening even mediumterm saw something needs to be done absolutely so the i think the big short mediumterm challenges going to be how do you how's the unharmed and in the next challenge thinking medium to longterm is going to be what do you do in terms of reconstruction such a way that made you can do two things at once which is a key people back in their homes and be potentially get on move towards solving a housing crisis that a lot of people have been talking about over the last two or three years as housing prices crept back out and a lot of people have been asking how can they help and can they offer their home and i think it be be views now involved in trying to establish the media are there's other places that people can go or do know of outlets that they can actually contact when the kanawha volunteer some assistance in some way well so for example snow state university was tony put together resource of list to where people can actually volunteer either rooms in their homes or their second homes as a place for people to go that's very specific to us state university's an employer but i don't think there is a complete list that has gone up yet.

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"insurance information institute" Discussed on KQED Radio

KQED Radio

02:40 min | 3 years ago

"insurance information institute" Discussed on KQED Radio

"And how long it usually takes yet yeah that's a really good point aaron actually are ground rv is quite a bit in the car thefts now as they can be really how call um with the terrible lar her and as the insurance adjusters they're going to be out and they're gonna be looking at that and i don't know if confirmed would be a count or scaring how uh how bad they will work very very fish here as they bring in a large work for a catastrophe crain for our faith in there there are who will be out to a south that they in in opinions faith to go in that area and again general lease with us by phone california representative as the insurance information institute they're a nonprofit that serves to promote public understanding of insurance in our next caller joins us from berkeley colon you're on the air colin are you there even though i'm your in your yeah at first i couldn't banal i can thank you sorry about that good morning this may be a question for misery but my understanding is uh back or if you're the ninety one oakland hills are uh the insurance industry had a a real challenge paying out insurance claims and we're basically overwhelmed by that choir i understand even after we've added it kinda changed the way property are sure and i'm wondering whether that change is is really playing out in helping the jersey feed more prepared we don't like receipts of regarded california now thank you for the question colon general leaves great credit fan aaron are we a out as islamic dan you know our hearts go out here other affected and with uae and here are the insurance industry your way better prepared in two thousand seventeen and is here to help kubay improvement because he under fire on how we asked that question farner now why of all you never never ever eight fair we do have our big work for our we have a lot more automated cool if you'd hear her people could even turn and recording claim many companies have overlap baratheon their gear lap karp your computer or anything else murphy most people geared hour fair firm where firm bayer fell found prevent actually out and there's on wiring um you can turn their like crime online the most important thing is to get that claim there quickly iron and wet company narrative that you.

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"insurance information institute" Discussed on KQED Radio

KQED Radio

02:11 min | 3 years ago

"insurance information institute" Discussed on KQED Radio

"Ginneries represents see um the insurance information institute or a nonprofit they serve to promote public understanding of insurance again the scale of this in terms of losses so vast and so extraordinary homes and businesses and so forth thumb we're talking about the estimated three thousand growers in cinema harvesting move millions of dollars were the could be affected in all of this uh stitches extends up tremendous seino's we said before um general lease the i mean you said before that people can be assured that their insurance claims will be honoured and we'll be fulfils and so forth but leaves at the scale of this i mean frankly it's mindboggling it is so large hail wired and better gear that is but we fair or and various sad modeling camping i like coyle watch eric or are in there to go through our core logic tactically re lay bare how third rifkind now at birth here thursday and now they talked about one hundred seventy two thousand harm uh with a combined reconstruction cart value of more than sixty five billion are at some level of grant from the wild players for napa and and the roads there metropolitan area and got here scaled back there have been that that is part of modeling that earn their living carriers care narrow wet bear probable maximum why would be if you now you're now large fragmented ally we also have reinsurance and i think that something there the important care under and pharaoh most companies narrowly how much rare ray can handle and then they author of character three insurance firm another navejar reinsurer munich creates where the only on three an unfair barriers are wind full arab many that are involved and ready to use cap when you have a large airlines like air again gender reason represents the insurance information institute.

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"insurance information institute" Discussed on Talk Radio WPHT 1210

Talk Radio WPHT 1210

01:43 min | 3 years ago

"insurance information institute" Discussed on Talk Radio WPHT 1210

"Scenario with longterm care insurance and how our advice has shifted dramatically fundamentally because of where we are headed technologically lien our nation you need to pick up a copy of my book the truth about your future the money guide you need now later and much later it's available booksellers all across the country you're listening to the ric edelman show your dog oh lots of americans do dogs are the most popular pet in america i know cat lovers always say that will not comment as mentioned your account lover salama dogs here's what it comes down to your dog has teeth yeah that might be a challenge of your dog bites somebody according to the insurance information institute dog bites accounted for more than one third of all homeowners liability claims paid out in 2016 when your dog bite somebody the person being bitten mike very well sooner you for the medical expenses incurred in a getting treatment how much money is the set up to check this out according to the insurance information institute in 2016 six hundred million dollars do you wish i was six hundred million dollars in claims were pay by insurance companies the average thirty three thousand two hundred thirty dollars thirty three grand if your dog bite somebody keep that in mind if you own a dog make sure you have insurance and make sure you're training you're animal not to be a danger to anybody else i'm ric edelman you're listening to the rick edelman show in the midst of the opportunities in the pitfalls it's best not to go it alone i guess that's my fundamental.

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