VACAVILLE (CBS13) — No residence, no job, and no solution to rebuild, a Vacaville couple is left scrambling to determine how one can transfer ahead after their residence was destroyed by the LNU Lightning Advanced Fireplace.
“Inside a minute or two, there was a pounding on the door from the authorities. They mentioned, “Gotta get out, gotta get out,” mentioned Curt Hatton.
Hatton and his spouse Aree took one final take a look at their residence and the signal above their entrance door which learn, “no unhealthy days.” They fled the hearth, which in minutes, took over Gibson Canyon.
“Two days later, simply rolling embers,” mentioned Curt Hatton.
The place they known as residence for 20 years was now simply ash and particles.
“I don’t know how one can clarify it, it’s deep in my coronary heart,” mentioned Aree Hatton.
The one vivid spot is that a few of Aree’s artwork remains to be standing, however the excellent news for this Vacaville couple ends there.
“I diligently known as the insurance coverage firm to file a declare, and I used to be shocked to be taught they didn’t have a house coverage on me,” mentioned Curt Hatton.
The Hattons are amongst hundreds of householders dropping their insurance coverage protection over fireplace danger. Some insurers are pulling out of California even in non-fire zones.
Curt says his insurance coverage firm simply provided him with a letter of non-renewal that claims it was mailed to him in April, however he says he by no means bought it.
“I obtained no such letter,” he mentioned.
The letter says his coverage expired only one month earlier than and gave them causes for why they have been being dropped.
“That they had, as a whole lot of insurance coverage corporations do in California, labeled you in a excessive fireplace, high-risk space,” Curt Hatton mentioned.
So what’s required from insurance coverage corporations once they resolve to drop a policyholder? The State Division of Insurance coverage says insurance coverage corporations must have legitimate renewal pointers in place. They should present 75 days of superior discover and provides a cause for the non-renewal.
If the policyholder has a mortgage, then the insurance coverage firm has to ship the discover to the lender. Additionally, leaders with the State Division say householders just like the Hattons want extra help.
“Insurance coverage corporations must play a much bigger position to assist folks shield their houses and convey down that danger,” mentioned Hatton.
For the Hattons, they’re unsure what’s subsequent, they are saying rebuilding will doubtless be too costly. They plan to work with the State Insurance coverage Division to see in the event that they have been dropped legally. They’ll be trying to see if that insurance coverage coverage was really despatched to them 75 days earlier than they have been dropped.