INTERO Real Estate Services
Chuck Townsend CalDRE # 01970251
Chuck Townsend
After several years of record-breaking California wildfires, insurance companies have responded by imposing huge premium increases on property owners, or even worse, flat-out denying coverage and canceling policies. Here are some tips to help property owners maintain their current insurance plan or, if necessary, find a new one.

KNOW YOUR RIGHTS! If your insurance company is not going to renew the policy on your home, they must notify you in writing at least 45 days before the expiration date. If you didn’t receive the proper notice, contact the California Department of Insurance (DOI) at 1-800-927-HELP or online at www.insurance.ca.gov. Check to see if your policy has a guaranteed renewal provision. You may also be entitled to a renewal under laws applicable to homes that are lost in a declared disaster. 

CONTACT YOUR INSURANCE COMPANY IMMEDIATELY. If you receive notice of a rate increase or non-renewal, get in touch ASAP to see if there are fire-hardening steps you can take to change the company’s decision. 

START SHOPPING FOR INSURANCE EARLY!
 Filling out applications and getting quotes takes time. Working with an insurance agent can speed things up. The DOI website (Consumers section) has a tool to help you find insurance agents and brokers near you. Check to see if the agent works exclusively with one insurance company or has access to multiple carriers. Keep track of which insurance companies are being contacted to make sure you're conducting a thorough search of all options.

Tips shared by California Association of  Realtors.
 
 

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What my clients are saying  

We are very grateful to Chuck Townsend for helping us find a beautiful peice of property in Foresthill. Chuck provided excellent advice on how to evaluate the cost/value of raw land based on how much site work would be required (water, electricity, sewer/septic, etc) and referred us to a contractor to get a preliminary estimate on construction costs. We learned a lot in the process, and were able to make an informed decision. Thank You Chuck!

 

~ Peter & Pam

Chuck is a professional who knows the ins and outs of the real estate business. He knew exactly what we needed to do as a family in order to get us into our dream home. We are very happy with the service that he provided. He will get the job done for you! We highly recommend Chuck Townsend for all of your real estate needs.

 

~ Scott & Jennifer

“I must admit that I was blown away with the amount of work that Chuck has done to help us with this transaction. The property was originally offered at a price above market. Chuck did an amazing job of analyzing all of the comps in the area and preparing multiple documents that convinced the seller to move forward with our offer. He helped us resolve the hand full of offers / counter offer issues related to rent back arrangements and other details. He has also taken a huge amount of his time to coordinate all of the follow up activities (inspections, appraisal, etc.) so that the escrow can close without any hitches. If you do not already have an agreement with another Realtor, it would be worth your time to give Chuck a call to see if he can help you.” Thom & Suzanne Kay San Jose, CA

 

~ Thom & Sue

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