Not being renewed, with my insurance

Bakersfield, California
Insurance
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Not being renewed, with my insurance

Javier RosalesPro Member
Los Angeles Ca · Member since 2019 · 107 posts · 15 votes

Hi BP Community

My Insurance will not be renewing me for a cracked drive way and an inoperable Vehicle. is their any other insurances out their that can assist. My property is in Bakersfield Ca

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  • Stuart UdisPro Member
    Attorney · Philadelphia · Member since 2018 · 2k+ posts · 3k+ votes
    2mo

    Why can't you remove the vehicle and repair the driveway? Insurance carriers are taking a more aggressive approach to property inspections and are increasingly requiring property owners to correct identified deficiencies or risk cancellation of coverage. The conditions you described are either nuisance attractions or premises liability exposures that increase the likelihood of claims. Addressing them protects you, your property and your long-term operating costs. That's where your attention should be, not shopping around for coverage that ignores these liability exposures.

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  • Owen RosenBusiness Member
    Professional · Clinton Township, MI · Member since 2015 · 676 posts · 259 votes
    1mo
    Quote from @Javier Rosales:

    Hi BP Community

    My Insurance will not be renewing me for a cracked drive way and an inoperable Vehicle. is their any other insurances out their that can assist. My property is in Bakersfield Ca


     You can likely renew if you repair the crack and remove the vehicle. Another insurance provider is likely to have the same issue once they inspect and you have to report that you're being non-renewed on any new application which they're going to ask "Why"?

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  • Javier RosalesPro Member
    OP
    Los Angeles Ca · Member since 2019 · 107 posts · 15 votes
    1mo

    Good Morning

    I just received pictures of mobile home removed. hopefully i can be renwed

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  • Emaz Ali
    Member since 2026 · 2 posts · 0 votes
    1w

    Sorry you're dealing with this — a non-renewal notice always lands at the worst time. A couple of things worth knowing for LA specifically: California now requires insurers to give at least 75 days' notice before a non-renewal takes effect (up from 45 before the reform), so double-check your notice date actually gives you that. If your ZIP is in a state-declared wildfire disaster area, non-renewals on existing policies can also be frozen for up to a year — worth checking if that applies to you.

    On next steps, the order that tends to work is: re-shop the standard admitted market first (a non-renewal from one carrier doesn't blacklist the property everywhere — underwriting varies a lot), then the CA FAIR Plan paired with a DIC wrap if the admitted market won't touch it, then surplus lines as the last option. I put together a breakdown of the FAIR Plan + DIC cost/eligibility side if it's useful: coverageclock.primedevforce.com. Hope it renews cleanly before it comes to that.

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