As we enter the height of wildfire season, more and more homeowners are turning to the California FAIR Plan for wildfire insurance. If you are one of them, keep reading to learn more about the FAIR Plan’s new photo requirement.
What Is the California FAIR Plan?
The “FAIR” part of “FAIR Plan” stands for “Fair Access to Insurance Requirements.”
As the name suggests, the goal of the FAIR Plan is to ensure that everyone has access to fire coverage, including homeowners who are denied insurance from traditional carriers.
The California FAIR Plan was established in 1968 in response to a series of brush fires and the riots that ensued when insurance companies refused to insure homes they considered to be high-risk.
With wildfires becoming increasingly common in the Golden State, the FAIR p
As we enter the height of wildfire season, more and more homeowners are turning to the California FAIR Plan for wildfire insurance. If you are among them, keep reading to learn more about the FAIR plan’s new photo requirement.
lan is more important than ever. Today, thousands of homeowners use FAIR Plan insurance as a sort of safety net that provides protection until traditional coverage becomes available.
The California FAIR Plan Photo Requirement
As risks evolve, so do insurance requirements, and the FAIR Plan is no exception to this rule.
Since last year, people looking to get insurance through the FAIR Plan are required to submit digital photos of each property they intend to insure.
Here’s what you need to keep in mind about this new requirement:
- Google map photos or photos taken from real estate listings are NOT allowed.
- The photos must be taken no more than five days before the date you submit your application.
- The photos must be time-stamped to demonstrate compliance with the above point.
- The photos must show the full front of the property, with the address number visible.
- If the address number is not on the front of the house, then it is necessary to include a second picture showing the area (for example, a mailbox) where the address number is displayed.
Remember that if you fail to submit photos that adhere to these guidelines, the FAIR Plan may decline to insure your property (or properties).
If you have any other questions about fire insurance in general or about the FAIR Plan in particular, don’t hesitate to contact the Experts at RF1 insurance. We’ll be happy to assist you and answer all your questions.
RF1 Insurance Services: Fire Insurance in California
At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.