A few years ago I got a notice of cancellation due to a single damaged shingle. I called out a roofing company to repair. They found hail damage, and replaced the roof before the policy end date. My old insurance had to pay $14k and lost my business. It was a win-win.
I know this is an older story, but just a few weeks ago I saw a report where two separate insurance companies had complete dropped all of their home owner insurance policies in southern California. Simply too many claims and they were losing money. So they just got out of the market entirely. When I left Florida I got a notice from my insurance company that they were only going to offer home or renters insurance in Florida to active duty military personel stationed in Florida. Everyone else had six months to find another insurance company to deal with. That was back in 2007.
Apparently the risk of someone falling into an empty pool and suffering injury is higher than the risk of someone falling into a pool full of water and drowning.
@@pinkpurpleplue Right, it had nothing to do with any sort of risk for them in the context of danger, just an excuse to stop coverage. Oh well, they fired a customer, time to give someone else your money.
The risk of falling in to the pool is the same whether it is full or empty. If full 99% chance you are fine and embarrassed. If empty there's and you fall in the 8 foot side there's a 95% chance you are injured.
My homeowners insurance tried to drop me because i had the hurricane shutter closed on my bedroom window. I have it closed because it blocks out the sun and i have to sleep during the day since i work nights. They tried to say i had it closed because i was trying to hide a broken window. I was literally forced to take it down and send them a picture of my bedroom window to prove to them it wasn't broken so they wouldn't just drop me. Id also love to know how they got access to my backyard to even see my window since it faces the rear of the house. How are these companies allowed to just invade your privacy and trespass on your land without even giving any notice? And then just threatening you with cancelation without any hard proof of anything. It's insane.
They are allowed to do it because they own the government like the drug companies, weapons manufacturers, chemicals manufacturers, and entertainment media. The US gov has not existed for 100 years
@@IsthatsbeTTVso what’s gonna change even if one does read the contracts. If they disagree, that would just mean they can’t sign the contracts to get the insurance…it doesn’t change the dynamics of the insurance company and the insurers.
yeah, Geico did this sh*t to us: just one day found some guy wandering around my house...asked him what's he doing there? he responds with 'insurance survey'. a little while later we get a letter from Geico with a list of "issues" that need to be addressed (including a new roof)..... We're with State Farm now.
btw, these insurance surveyors are crazy, just trespassing on properties with out an appointment....I live in the south and there are a lot of (redneck-ish) people with guns.... also, the airspace above your property belongs to you as well.....drones beware!
He looks better than his roof tho. Flat roof is a bad idea because of maintenance. They probably canceled him because of his age + high risk of injury with the roof access.
For real. People wanna cry about insurance but when something happens they want the fullest coverages and payout even if they pay the least. Also expect to be paid like sultans on their claim - people are ridiculous. 😂
Seriously, Congress needs to do an oversight investigation on these insurance companies all over the country, not just CA. They are the biggest corporate crooks out there.
This is going to get worse. As long as your insurance company is allowed to bribe your congressman who is responsible for what the law does and does not allow your insurance company to get away with.
This is a widespread issue not only affecting insurance companies but everything in America from tax breaks for uber rich companies to abortion, and even our education is being censored now. It's a slow rot eating away at our country from the inside out, and has been for the last century at least.
Just look at FL and what Desantis has done to it from a Insurance and Property tax. If you dont live in the state and just watch the news im sure you'll fight me if you live in the state and own a home you will know what im talking about.
Just to piggyback here, same thing with TurboTax and all these other tax preparers. The IRS has all the information they need to just send us a refund or a bill. All these companies lobby so that we need to “file” our taxes through them so they can make money.
They didn’t have to bribe anyone. This is not new legislation. Please point me to any civil or criminal codes regarding anything they have done here, drones/pools/clutter that hasn’t existed as-is for decades.
Current insurance company mindset: We are happy to insure you....provided we can absolutely confirm that you don't have anything, anywhere, in any way, that we think might cause us to have to payout to you. We are in the business of happily taking your money, but we are not in the business of risk or paying out claims of any kind.
Failing to keep a pool full tends to cause a lot of very expensive problems. Around here, they'll start to float without the extra weight of the water inside.
It's a liability that is no longer being maintained for its purpose, this isn't anything new or shocking. Talking tens of thousands in repairs if they made a claim for damage they caused using it as a garden.
they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. there needs to be a class action lawsuits to bring these monsters to heel.
said " they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. " Care to explain how insurance works from a financial perspective? RE Where does this money come from and where does it go to. Responsibility of what exactly? The people in the vid are not having a claim rejected, just no longer having the policy renewed. " there needs to be a class action lawsuits to bring these monsters to heel. "
They defraud people by teaming up with banks to make people that have mortgage HAVE INSURANCE. Most people pay a 30 year mortgage and sometimes longer with refinancing…. Insurance comps helped pass laws to mandate insurance! After a homeowner has paid on the loan for 20+ years the insurance companies start looking for ways to cancel policies. They want high dollar premiums over YEARS and then as time goes on and things go wrong they want zero responsibility to pay for damages.
My homeowners insurance told me I needed a new roof or I would be terminated. I had 30 days. I found a roofer, it took almost all my savings, but got it done. They canceled me anyway. The roofer later asked me why I wanted a new roof as there was nothing wrong with the old shingles!
@@Elizabeth-n3v2uwell we should just have the federal government take over the insurance industry since we can't trust them. We can just all pay into a single pool for our homes and we won't have to deal with all of these Middle Men.
AAA is absolutely the worst. I'd been with them for 25+ years as a auto club member, I never used them until just a few years ago. I had to have a car towed 3 years ago, the driver who showed up was so high I wouldn't let him tow my car. I've had 3 incidents in the last year with road hazards giving me flat tires on 3 different vehicles. In every case my jack wouldn't life the car, the lug wrench wouldn't loosen the nuts, in one case the jack retainer was installed so tightly from the factory I couldn't get the jack out. In each case I called AAA, and in every case I waited hours and nobody ever showed up. I had to call a local wrecker to bring a jack, impact wrench, etc just to help me change the tire. I called AAA to cancel, it was totally painless like they were either having a lot of cancellations or they wanted to get rid of me because I was actually trying to use what I was paying $100 a year for. Like I'd ever trust them for insurance.
Yes over the years they've gotten worse with their customer service... I've been with them 20 plus years and I'm thinking of leaving... they use to be the insurance provider to have but as of late...🤷♂️
If it helps, I dropped my AAA last year and picked up the roadside with my insurance carrier. It cost $1 a month as opposed to AAA's rates that keep increasing.
Not that I’m ok with what ls going on but an empty pool can pop up out of the ground. An insurance company isn’t gonna want to pay for a new pool because you’re not keeping water in it.
@@romanes_eunt_domus Then that is the risk they deemed. An insurer wants payers who're unlikely to make a claim, so if they got out than it's because they deemed them too risky (assuming they also followed their contract on when they can't get out). Home insurance is not mandatory in Cali except for some instances if your still on a mortgage. Shop around or make your home less risky. Also vote for politicians that actually do something about climate change.
I actually have an answer as to why the pool was a reason: pools are designed to hold thousands of pounds of water and when you remove the water you risk the lining cracking and causing it to be unusable. That may have been why they justified it. Not saying it's right, just providing insight.
it's not frivolous, it's a violation of the contract by the homeowner. There are sets of conditions that must be met to have homeowners insurance and a pool, including what you are required to do should you decide to drain the pool.
@@gizmoenterprises3467Bootlicker... I have a pool and I have homeowners insurance. I just got out my paperwork and nowhere in it does it say I have to keep water in the pool or they will drop me. And I bet you $1000 that ladies policy doesn't say crap about having to keep water in her pool as well... You probably are a slime sucking agent or you work for one...
I was going to agree with you… until I googled it 😅 a LOT of home insurance _REQUIRES_ your pool to be filled _AND_ maintained! What the holy hell!? Though I guess it makes sense.. what if someone accidentally falls in and there’s no water… but still 😅
Remember, drained pools are a massive liability. Home owners insurance often also covers accidents on your property. If someone falls into the deep end of your drained pool and breaks their neck, that’s covered by your homeowners policy. I think it’s unreasonable to go straight to cancellation, but I would expect my insurance to go up if I drained my pool.
@@queentargaryen9389 Someone drowning or almost is something they probably factor into the policy to begin with if you have a pool and lots of places say you have to have a fence or something similar to stop accidental drowning from people, usually kids. But no one really factors in a 5 ft or more drop into a hard surface into their policy. Different injuries and etc. Though they could have just been jerks about it and was looking for any excuse.
Or maybe we should just get rid of all insurances and just have free healthcare and housing. Yknow the things a government should provide anyway instead of outsourcing to private corporations. Idk just a thought
What is disgusting is that there was no investigation as tonwhy there was no water, just a flat out cancelation. There was no grace period given for the homeowners to remedy anything. Absolutely shocked at the abuse of privacy here and that this is the 2nd story I've heard about this in the last week. Disgusting.
How do you know? How do you know that they hadn’t taken a picture 2 months before, and then a follow up 2 months later to find it in the same state? How do you know they sent a cancellation letter at the FIRST sign of the empty pool? Only ignorant people assume to know all the details.
Maybe the AAA, knows they shouldn't be spying & recording "private property" or that it's illegal to send drones to spy or misuse of drones. I believe there are rules and laws for usage.
AAA is one company and for Homeowner's they are actually one of the worst. For auto, a little better. There are plenty of other insurance companies. These folks are older and may not have made changes in many years. They may actually get a better rate with another company.....
One relason for empty pools is it that an heavy rain can pop the pool out of the ground. I observed this in Broward Co. Back in late 70s. They were just built and not yet finished when we got a very heavy rain storm, the rising water table poped the pools out of the ground.
There's AT LEAST a few lawsuits here. CLASS ACTION TIME! Interesting how all these customers they cherry-picked are elderly. Thats definitely illegal. And survailing their homes like that, thats definitely got to be illegal.
Ever consider that what's portrayed are older as they perhaps the younger home purchasers are at work and are not available and may not be the ones being dropped? Operating a drone in non-regulated air space is not illegal and is the same as taking photo or video from a public space. Set aside your feelings and pay attention at the end as it was all resolved.
@@Mauser1965 it was not all resolved, and why do you think these interviews were random calls? You think the reporters just called up some numbers one day and interviewed whoever was home? Have you ever had a job? They set up a time and date ahead of time. No one works 24/7. Calls can happen during weekends and nights. Do you have friends? Do you randomly go over, or do you make sure they're home first? Please, use a little common sense, huh?
Privacy issues via aerial photography is covered under state and local laws, and although CA forbids photos of individuals engaging in private activity, photos of land and property are allowed as long as they are not taken from legally defined prohibited air space.
"Because the pool was empty".....an empty pool can pop out of the ground because Hydrostatic pressure is the force exerted by water against the walls and floor of the pool. It's also the main reason why pools pop out of the ground. If the water level in the ground surrounding the pool rises too high, it can create a pressure imbalance that causes the pool to pop out of the ground. Never leave a pool or spa empty. They would be better off filling the pool with dirt and landscaping over it.
Does AAA really cover claims against pools other than injury? Maybe I'm wrong, but I have a hard time believing that my home owners would cover any failure of my pool or components related to it.
@@sliderx1897 It's gotta be extremely rare though. I've worked on hundreds of empty pools never seen a single one have an issue with coming out of the ground.
I can see why the empty pool can be a higher liability. You have a giant hole in your backyard where you can potentially fall especially if the people living there are seniors. Also, pools are designed to hold water, the weight of the water keeps the pool together. Empty pools are more likely to crack which can cause major damage that will make the pool unusable.
There are multiple construction methods for in ground pools. Soil type, water table, etc all vary wildly too. I've been to a few skate parks that used pool construction methods for their bowls. Hell skate boarding in empty pools has been a thing for many decades now. The amount of people who fall into empty pools and are injured is dwarfed by the amount of people who drown or injure themselves in or near a full pool. Seems to me the insurance company is just itching to drop policies in that area as stated in the news broadcast above.
Like what if I was in my backyard naked sun bathing with my wife or getting a lil doggy style in the back yard one time and y'all flying drones over this technology future is making life suck
@@XploreAz I get that part but just as a neighbor doing it would be considered some form of privacy infringement and in many surveillance laws the “sky” or airspace isn’t referred to or referenced at all. Do you know what loophole they are using?
@@JamesWilliams-gp6ek yes, and she's full of sh*t. I own a pool in the Central Valley where's it's 100+ degrees every day in the summer and I do not have to put water in it every couple of days. Even when the pool does need to be filled due to evaporation, it doesn't require that much water. They emptied the pool because they don't use it and don't want to maintain it. It has nothing to do with "conserving" water. She's full of sh*t. She will ruin that pool by leaving it empty in the summer.
@@62Cristoforodraining the pool will damage the pool resulting in thousands of dollars in repair costs. Draining a pool does not conserve water. She just doesn't want to maintain the pool.
@@InsaneFirebat What state forces a person that owns a home outright to have home owners insurance? For a car, liability insurance is required OR proof that the owner / driver has enough liquid assets to cover any liability. If a bank loan is involved, home / car insurance beyond basic liability to protect the banks assert. If you can't agree with this either pay cash or find a lender that does not require insurance.
@@bobroberts2371 There is a long list of professional services that require insurance to operate legally. Insurance is highly integrated with government at all levels.
All these insurance companies needs to be prosecuted and laws should made so that most of the clients are protected. The greed and corruption of insurance companies are bottomless pits.
@@user-justbeingme you arent making money if your dropping your income left and right for stupid reasons. eventually people will wise up and cancel the insurance and they go bankrupt.
You don’t seem to understand how insurance works. People who have extra risks which are likely to cause extra claims either pay more (that’s fair) or get cancelled altogether. That makes complete sense. That guy had a back yard full of flammable tires! Any insurance company would cancel if they saw that.
Insurance company are the biggest scam. When they take your money, it’s always fast. But when you file a claim, they drag their feet and don’t want to help you 😂
So freakin' true, and they treat you like some ruthlessly greed-driven psychopath who is trying to commit fraud. My god they will do ANYTHING...accuse you of anything...lie about anything...whatever it takes NOT to pay you.
Insurance is expensive--------------mostly due to fake and fraudulent claims. Many turn in claims for only a few hundred dollars. Fraudulent insurance claims raise insurance costs for everyone. There is more risk of damage and injury now because of increase in crime caused by "DEFUND POLICE", increased carjackings, robberies, mass shoplifting, home break ins, and squatters.
Pools have always been an insurance nightmare. One drowning or accident can cost millions.When you get collision coverage on your car, often insurance adjusters want photos. The pool depicted does look unmaintained. And, there is no fence. A giant 8 ft deep hole in the backyard is a risk factor for an accident.
Las compañias de seguro estan abusando y su poder, no tenian derecho de invadir la privacidad de esta familia y menos tomar fotos de su propiedad sin su consentimiento
Regarding the pool, if they dropped the pool coverage they couldve kept their policy and pay slightly less, but an empty pool is essentially a pitfall human trap she would have to fill it in with dirt.
Wow. I think I am glad I had to sell my home about 5 years ago. This sounds like a nightmare. We had a pool, and used to joke about people spying us on us when we used “au naturel”. Sounds like our jokes have become entirely too real. I feel for these folks.
As an insurance agent it has been tough the past 6 months. Not being able to get coverage for younger drivers, certain cars and they are getting even more strict .
I still can't believe that y'all are allowed to charge men more for automobile insurance, when the only ones ever to run into me were women. They were black too, but you can't charge them more, now can you?
@rustyshackelford3371 from the information gathered younger male tend to be involved in more accidents. Now not sure why you made it about race since drivers that drive unsafe is from all races too.
Yes in 2023 it is about race as now democrat city councils have made it so if you have out of date registration you cant be pulled over, cant be pulled over for broken taillights, etc are you new or just dense???
In-ground pools are not made to be left empty which leaves them susceptible to heaving and collapsing. A customer making risk-prone alterations to their property is absolutely a valid reason for an insurer to reevaluate their coverage or end the business relationship.
It really isn't that. Pools are not meant to be empty for any length of time. Damage can quickly form and when filled again, can cause the water to leak into the soil. Over time this can cause the soil itself to become unstable and can threaten the foundation of the home. A simple web search for "how long can one leave a pool empty for" would have helped these folks out. They may be able to get the policy reinstated if the fill it in (remove the pool).
I think that the insurance company might care more about liability rather than damage to the pool. But I do understand your point from a homeowner's point of view. Thanks.
@@SpockoMan right. But AAA should also explain the reasoning to their rejected clients, and give them time to rectify the issues before dropping them outright.
yeah. definitely put up one of those wedding canopy things over the pool so they can't see it, but also sue them for violating 4th amendment. That's most critical to maintain America. Not fighting for our constitution will make us communist real fast.
Unpopular opinion. The pool cancellation is justified because the same drought and reason having the pool with water is expensive is the same reason their home is a wildfire risk and therefore is expensive to insure
It’s really useless when people say that they are complaining to their local agent. Their local agent is a lot like a bank teller. They can’t do anything all they can do is accept your payments and do basic things. They can’t make decisions like that.
As a pool owner myself, draining a swimming pool is absolutely a reason for losing insurance on at least that part of your home. Pools are constructed to expect the pressure from thousands of gallons of water on them, if you drain a pool for an extended amount of time, the ground beneath it can and will shift and result in extensive damage to your pool that could cost tens of thousands of dollars to repair and is unfair to expect an insurance company to cover. if you did it to yourself. I’m no fan of insurance companies but this is clearly the fault of the homeowners themselves for not understanding what they’re doing to their own pool. They are intentionally doing something that will destroy part of their home that is covered under insurance, and that is grounds for not renewing their policy. You’re never supposed to do this, these are people who never learned how to take care of delicate expensive property who then raise a karen type stink when nobody wants to deal with their self-induced problem. What a beautiful pool, what a total shame. It’s twice as big as mine and has a cool shape too.
Farmer's did it to me. I had an 8 foot ladder on the drive behind my house. On the ground. They took a satellite picture. Called it debris. Good solid house. Not in a zone of any kind. Always paid. My Dad bought this policy in 1969. After he passed, I kept paying. Inherited the house. 54 years we paid on this, over this time, averaging $200 a month....over $129,000 we paid them. It's like gambling with these companies. Now, it's fear and emotional distress. We really are on our own out here.
The CEOs are psychopaths entirely driven by ruthless greed. People think psychopaths are serial killers because that is what Hollywood has told them. There is NO MONEY in serial murder, and psychopaths are all about money, money, money...and to a lesser degree trying to alleviate their extreme and pervasive boredom. Just do a Google search for the top jobs of psychopaths. Sit down before you click on the link.
Tell Sen. Liz Warren about it. Maybe she will make it an issue. She's good like that. "Elizabeth Warren, a fearless consumer advocate who has made her life's work the fight for middle class families,"
These insurance companies are out control. You have homeowners trying to be responsible and do the right thing and these insurances full on discriminate
An empty pool is not being responsible. That pool will float if the ground gets saturated when it rains heavily. This will result in the pool popping out or severe cracking. The insurance company knows it will be responsible when that happens, so they chose to drop this house from coverage before that happens.
Don't like it, get the other whiners together and start your own insurance company. OH, not your cup of tea, you rather just bitch, whine, moan and complain.
As a retired safety inspector, a drained pool is extremely DANGEROUS as a trip fall hazard that could be LETHAL. I would NOT recommend an insurance company provide LIABILITY insurance unless they had the pool covered completely with plywood, and barriers preventing public entry into the area.
@JohnChrysostom101 There is no public entry on private property. That would be called trespass or breaking and entering, under which cases neither accudental injuries would be ruled the fault of the homeowner.
I knew Florida was having trouble with insurance companies dropping customers due to hurricanes, but I had no idea California had the same issues due to wildfires. All the news and social media makes it sound like Florida is falling apart because of that and here's another state that it's also happening in.
It's pretty bad out here. We had a wildfire in 2020. 900 houses were lost just in our fire. Our county is one of the worst when it comes to rebuilding- less than 30 homes have been approved or are in the final approval stages nearly 3 years after the fire. About 100 homeowners are in the preliminary permit stage. Many more are still battling the county to get permits to rebuild their homes. About 1/3 of all these fire victims have simply given up- took what their insurance gave them and started over somewhere new. Many of us who escaped the fire are on pins and needles waiting for our insurance companies to drop us. There are options but they are very expensive. Some policies (via the state of California) have quadrupled or more in price. One homeowner in our community went from paying $1700 a year for homeowners insurance to over 7k per year because his policy he had for over 20 years and only one minor claim, was canceled.
It was no different during the Loma Prieta earthquake. People outside of the state thought much of San Francisco was on fire and entire neighborhoods were totally flattened. Different news agencies were showing different angles of one building on fire.
In California it varies a lot based on how exposed your house is to wildfires. If you're in town it's usually not a problem, but some places in the hills are uninsurable. The problem Florida has is the whole state is at severe and increasing risk for hurricanes.
You wouldn't say that if you lost your home and now have to pay out of pocket for replacement. Florida would never be the city it is without insurance with all those hurricanes.
@@SuiteVII Sure there are some insurance companies that don't honor claims, but many claims are honored. To say that all insurance is illegitimate is wrong.
@@Mlogan11 But to say insurance companies avoid paying out is accurate. Especially in situations where many of their clients are making claims simultaneously
The law to require home owner insurance should be modified. This way the insurance companies do not have the upper hand. Unrelated but kind of the same. We are paying CRV, but there are so few to none or the drive is too far to make it worth the ripe to get our CRV back. This is essentially forcing us to give away a percentage of our income.
I don’t think there is a “law” to require homeowners insurance, I could be wrong though. Usually it’s mortgage companies that you make your house payment to that require insurance. In the event a house gets damaged the homeowners insurance will then rebuild the home or payoff the home so the lender gets it money. If you own your home outright you don’t have to have insurance but you would be out all that money if something happened. I do agree with you on the CRV thing!
@@sgraham4533 CRV is “California Redemption Value” I think. It is the deposit you pay when you buy recyclable things like soda or water in cans or bottles and when you recycle it you are supposed to get it back. The problem with it is a lot of places that used to take the cans and bottles back closed down and technically the retailer that takes the deposit from you is supposed to give you the deposit back when you bring the cans and bottles back but they don’t do that either so some people have to drive more than it’s worth to redeem your deposit. I had 5 large trash bags of crushed water bottles and got about $12. In total round trip it was about a 45 minute drive and with gas being $5.00/gal here in California, recycling was hardly worth it. So most people don’t recycle and let the state or whomever keep the deposits, so if most cans and bottles go unrecycled and the state is mandating people pay it but not mandating anyone gives you your money back, they need to stop charging it. Just like our stupid plastic bag ban. It’s 10 cents per bag required by government BUT it goes into the retailers pocket, it doesn’t even go to the state for anything, it just makes the retailers richer.
@@sgraham4533 Cali Redemption Value. It's the 5 or ten cents tacked on to each beverage container you buy. After finishing your soda/beer/juice/water you take the bottle to a redemption center to get your cents back. Even with all the bin divers collecting bottles and turning them in there's about $300+ million in the state coffers waiting to be redeemed. It's locked in a trust fund and the Sac politicians are always trying to ways to spend it.
There is no 'law' requiring home owner insurance. Either the insurance is required by the bank when you finance a house, or the HOA requires it as part of living in that neighborhood. Simple solutions; dont spend money that you dont have, and dont buy property that others can control.
Pretty soon California will not have any Home Insurance Company left! You wanted to live in California Stop complaining or move out like many already have! Doing business in CA is just not worth it!
They only want customers that promise never to file a claim. You can be sure claims are down because people are too scared to file any so the insurance industry wins bigtime.
I’m pretty sure without the right pressure and moisture the pool will begin to crack. When my mom had hers replastered (whatever it’s called) recently & had a timeframe it had to be done in or else it would lead to problems from not being filled. If you want to save money by not using the pool you would have to fill it in and have it covered up according to code. I’m sure the empty pool is also considered a safety hazard.
I mean, I can understand for two of the people. The first guy running a junkyard on the side of his house is just an increased risk of somebody getting hurt, or something there damaging the property. It’s not the insurance companies job to tell you to have specific behaviors that lower risk. The guy with the roof, if you’ve got paperwork like that, I’d side with him on that one shame on AAA. The last lady, I can see how it’s an increased risk to have a drained pool with no cover. Risk of somebody to fall in, and decided to use their pool as storage, it just looks like a dump, and I can see how the insurance company doesn’t want the higher risk stuff from people who treat their backyards and driveways as dumps.
They NEVER intended to give coverage and this proves that. They paid for so long just to have this taken from them! They should all be paid back in full plus some
Make it so that insurance is not required for financed properties and just watch the tide turn to where homeowners have the advantage and insurance companies would BEG for your business.
I don't think the lenders providing the financing are likely to go for that, the requirement is there to protect the collateral that backs their loan to you
and then the banks will leave the state when they take losses on loans without insurance. The state is the problem, not the insurance companies (and i am NO fan of insurance companies).
you can't get a home loan without insurance (the bank ain't gonna loan w/o insurance). you usually can't buy a vehicle without insurance (most states require insurance). Insurance companies are NEVER gonna beg YOU for your business.
My HOA comes by every year taking pictures of all of the homes and then sends letters to homeowners requiring repairs and maintenance to comply with HOA rules. It’s not cheap.
@@calanon534 Your parents really failed you as a young child, didn't they? Never showed you any kindness, no empathy for your pain or emotional suffering. Heck, they probably beat the crap out of you on top of all the other things. Sorry you had such $hitty parents. Your lack of empathy and basic human decency is a personal indictment of how poorly they treated you as an infant. toddler. young child.
But you agreed to those terms under the HOA. And everyone there is in the same boat. I do feel residents should have the ability by vote to change some rules in these if they want.
@@kelleyspears1218 unlike a homeowner who agrees to all the terms and conditions when they buy insurance? I never heard of an insurance policy that includes fine print, that’s why I just buy it and don’t read anything.
Triple AAA is terrible. I once had a tow truck driver come with a HORRIBLE attitude and I decided I didn’t want his help. My car situation happened around 1-2am at night and he kept on picking up my route and canceling it for a whole 2 hours! I had to call a separate towe company because of this petty immature aggressive behavior and how the triple AAA agent kept supporting it by saying they can’t help me get anyone else at the time! I was really upset and wanted to complain or do something but I had no chance or clue where to report this issue to!
You're crazy and don't understand your insurance policy. Just because you have AAA doesn't mean you get to work with any tow truck company. They have partners they contract with, or it has to be a company that accepts your insurance. Generally with AAA it's the former. Just because you have a policy doesn't mean everyone takes it. Just like health insurance. You put yourself into that situation the moment you refused his service, he might have an attitude but finding someone who accepts your insurance past midnight or multiple open companies is always going to be difficult. What's crazy is you're in the Bay Area, you have the luxury of multiple towns and late night businesses. There are plenty of places you would have sat out all night. You act like the AAA agent called up the tow truck company and said let's screw this person over tonight. They did their job according to protocol. Because you have zero understanding of the situation you assume they were in the wrong. There is no one to complain to because you fabricated this complaint out of your own ignorance. The really sad part is the way you told this story, I can tell you tell this anytime you talk about insurance or AAA and still haven't figured things out yet.
@@DinDooIt not really I got help from someone else instead, I’m just saying what type of people work with triple AAA and how us paying customers don’t deserve this
@@Glamgrlsf you seriously have issues if you think one experience with little ole you represents AAA as a whole. You think one person who treated you shitty represents an entire nationwide company. I haven't had AAA since I was young and traveling, haven't needed their level of services and all their roadside amenities like the towing you're talking about. Why pay for that if you don't need it so I'm not even shilling for them. But it literally is crazy of you to think a company worth 700+ million takes the time to contract with a shitty tow truck company and then give you the run around in the middle of the night purposely. You haven't stopped to think, I might be the problem in the situation. I may be the one who is causing a problem at 1 am and then refusing to cooperate with the actual people that have attempted to help me. I find it funny that you avoided responding because I'm the only one seriously calling you out and holding your Karen attitude accountable. AAA must be bad because they hurt you. Their customers all deserve more for their dollars because you didn't get one tow you refused yourself. Fucking crazy.
@@DinDooItif the dudes paying the company every month, ain’t no reason he should have to put up with a bogus attitude like that. Why would you pay someone to treat you like shit when you can get treated like shit for free plenty of other places? Let’s be wiser with our finances.
If they really are no longer going to use the pool, best to fill it in. How does the insurance company know that they won't want to use the pool at a later date and will file a claim to do repairs, before doing so?
As a property manager in both the commercial and residential arenas, I fully understand what the insurance carriers are concerned about. A poorly maintained property appearance on the outside may suggest to an insurance provider that the inside is also poorly maintained. An empty swimming pool without safety fencing around it may worry the insurance carrier as well. That man's house in Oakley, CA has a car parked adjacent to the side of his house in an area that was never designed for vehicle storage. I can understand why that insurance carrier dropped him. No brainer. Insurance companies have to manage their risks very carefully, especially in light of the many huge catastrophies that the US has seen in recent years. Property owners need to stay on top of maintenance & safety issues (ie: the horrible Oakland Hills fire that burned over 5000 homes 20+ yrs ago could have been avoided if property owners cleared/cut back vegitation too close to their homes "annually". All my neighbors in Daly City, CA were doing that annually in the 1970's. It took a horrific wildfire for the Oakland & Berkeley, CA firefighters to learn that life & property saving lesson 😢. That is truly a shame. San Mateo County fire officials 😊 were on top of their game in the 1970-90's while the Alameda County fire officials were twiddling their thumbs 😢, and the driving distance between those 2 regions is only 1 hr or so).
@@gruweldaad It sure as hell does have more risk being empty than being filled. No insurance company will insure a home with a big ass hole in the backyard. 🤣🤣
@@lennym480 That is ridiculous whether you say it or the insurance company says it. The likelihood of someone falling into the empty pool by accident is much lower than someone drowning in the pool that they entered on purpose. It’s a completely absurd argument.
Draining water from an in-ground pool is just stupid. You literally tun your pool into a giant concrete bucket that can float on the ground water. The insurance company canceled them because this would be a massive preventable payout to repair if this were to happen.
Insurance company's should be required to meet in person at the property with the homeowners paying mortgage 60 days before any increase or cancelation. And supply all supporting data collected by insurance companies, so people can go to arbitration of BOUTH party's AGREEMENT ON (NO AGREEMENT REACHED) GO TO COURT WERE HOMEOWNERS PROPERTY IS LOCATED, NOT INSURANCE HEADQUARTERS LOCATION.
I can see why, that giant concrete hole in the ground would be considered a high risk liability. This is why it is very important to READ your policy before agreeing to the terms.
I work in the homeowners insurance agency and I can say that several companies are doing the same. I primarily quote with Bamboo and we’re constantly having to ask the homeowners for photos showing debris was removed or inside/outside photos just because a claim was filed. Receipts of repairs, etc. It’s getting bad. I personally think the companies were sent a memo so that CA Fair Plan (a state managed insurer) can get those premiums!
When you drain the water you can damage the pool. The waters weight holds the pool into the ground, with out the water the soil can push the pool up over time.
They do this in Texas too. An empty pool is far more dangerous than one filled with water. If you don't want your pool anymore, you fill it in. It isn't like you have anything to lose as once you leave that plaster open to the sun for 2 or 3 weeks you have ruined it anyway.
Even better just put a pool cover over it and no one will know if it has water in it or not 😅 a full pool is way more dangerous lol u can't drown if there's no water
@@maneiono But you can fall into a concrete hole and crack your skull open. An empty pool is in fact more dangerous than a filled pool. You can tell if there's water even if there is a cover.
The problem with the pool situation is if an intruder gets on the property, they could fall right into the shell. Yes it's trespassing, but it's still a lawsuit. The best option would be to fill it in or cap it.
It is true. Some person could actually fall off the edge into the empty pool. Management ofAn apartment complex that had a drained pool, was threatened by residents with a law suit. The management wanted to argue the point but the insurance and city backed the residents. The charges and fines would have supported the Civil lawsuits. I lived in a complex which had a pool full of gravel and sand on top.
The guy that lied about his clutter around his house being his work area is in denial. that stuff is trash and scattered all over the yard and up against the house. The insurance should drop him.
The insurance companies should have set limits on how much they can charge, the rest of us who have had no claims should not have to pay for the other guys house because he bought it in a flood or fire zone.
Rates vary according to location so this is already happening. Flood insurance is an adder so you are not paying to cover others if you don't have flood insurance.
Obviously, Debbie doesn't comprehend the theory of insurance. It's kind of like schools. If you own a home, but don't have kids, should you be exempt from paying school taxes? Or road taxes? Never had a fire, but should you not pay taxes that support the fire department? Geez.
@@garyszewc3339 You missed the point. It's a pooling of risk.... but it's community based, not exclusively on your personal claim history. That's only a small part of it. If you're located in tornado alley but you haven't been hit but your neighbor has, is your premium lower? I doubt it.
Draining the pool will destroy the pool. Pool walls and surrounding ground are most stable with water filled. Can't blame the insurance. OR, you can back fill the pool with sand or type II material.
Hydrostatic shock happens when the soil around the pool is saturated with water , if done right the pool won’t cave in on itself. But yes it’s always should be filled with water.
An empty pool can raise up and crack due to pressure from below and the sides. Homeowners insurance does not want to cover the potential damage to the pool. The bottom line is that you cannot force a business to take you on as a customer. Go buy your loaf of bread somewhere else.
A few years ago I got a notice of cancellation due to a single damaged shingle. I called out a roofing company to repair. They found hail damage, and replaced the roof before the policy end date.
My old insurance had to pay $14k and lost my business. It was a win-win.
Justice was served. One freaking shingle. I'd like to see what their roofs look like.
nice!
And now the rest of us have to pay $10K /year premiums because of it.
I know this is an older story, but just a few weeks ago I saw a report where two separate insurance companies had complete dropped all of their home owner insurance policies in southern California. Simply too many claims and they were losing money. So they just got out of the market entirely.
When I left Florida I got a notice from my insurance company that they were only going to offer home or renters insurance in Florida to active duty military personel stationed in Florida. Everyone else had six months to find another insurance company to deal with. That was back in 2007.
How much did you pay for a new roof?
Or are you saying that the insurance company had to pay?
For hail? Wouldn't that be an act of God?
Apparently the risk of someone falling into an empty pool and suffering injury is higher than the risk of someone falling into a pool full of water and drowning.
@@pinkpurpleplue Right, it had nothing to do with any sort of risk for them in the context of danger, just an excuse to stop coverage. Oh well, they fired a customer, time to give someone else your money.
The risk of falling in to the pool is the same whether it is full or empty. If full 99% chance you are fine and embarrassed. If empty there's and you fall in the 8 foot side there's a 95% chance you are injured.
Well, less risk of death and injury with a pool fence
Dude. This is California. Lol
@@kevinmiller5467 The risk of falling in maybe, but the risk of injury or death is not the same.
My homeowners insurance tried to drop me because i had the hurricane shutter closed on my bedroom window. I have it closed because it blocks out the sun and i have to sleep during the day since i work nights. They tried to say i had it closed because i was trying to hide a broken window. I was literally forced to take it down and send them a picture of my bedroom window to prove to them it wasn't broken so they wouldn't just drop me. Id also love to know how they got access to my backyard to even see my window since it faces the rear of the house. How are these companies allowed to just invade your privacy and trespass on your land without even giving any notice? And then just threatening you with cancelation without any hard proof of anything. It's insane.
They are allowed to do it because they own the government like the drug companies, weapons manufacturers, chemicals manufacturers, and entertainment media. The US gov has not existed for 100 years
Should read the contracts you sign 1:16
@@IsthatsbeTTVso what’s gonna change even if one does read the contracts. If they disagree, that would just mean they can’t sign the contracts to get the insurance…it doesn’t change the dynamics of the insurance company and the insurers.
yeah, Geico did this sh*t to us: just one day found some guy wandering around my house...asked him what's he doing there? he responds with 'insurance survey'.
a little while later we get a letter from Geico with a list of "issues" that need to be addressed (including a new roof).....
We're with State Farm now.
btw, these insurance surveyors are crazy, just trespassing on properties with out an appointment....I live in the south and there are a lot of (redneck-ish) people with guns....
also, the airspace above your property belongs to you as well.....drones beware!
That guy with the roof issue is 85? Wow, he looks in his 60's
Yea i heard him say 85 and i did a double take lol, Wonder if it's good genetics or healthy lifestyle ?
He looks better than his roof tho. Flat roof is a bad idea because of maintenance. They probably canceled him because of his age + high risk of injury with the roof access.
Thought the same thing. Dude looks set to ride into the 100s at this rate.
I thought the same. It is disgusting and shameful these companies bullying an old man.
@@pattiannepascual So here is your chance to offer him insurance from the company you are going to start.
It’s time we start a movement to cancel these insurance companies - not the other way around
You start.
Don't blame the Insurance carriers, blame people making frivolous claims and their attorneys.
For real. People wanna cry about insurance but when something happens they want the fullest coverages and payout even if they pay the least. Also expect to be paid like sultans on their claim - people are ridiculous. 😂
Yes
They can be the next Bud Light!
Seriously, Congress needs to do an oversight investigation on these insurance companies all over the country, not just CA. They are the biggest corporate crooks out there.
1v1 me Bruh.
Yeah. Except insurance is regulated at the state level. And Congress already is failing at what is on their plate.
As long as joe is president, nothin will get done.
@@jdgill-u2s again. Insurance is regulated at the state level… there is little if anything Joe Biden, Donald Trump, or any President can do about it.
@@jdgill-u2s HAHAHAHAHAAA! Like Donald Trump is gonna hold his billionaire business friends accountable? Dream on, sailor.
This is going to get worse.
As long as your insurance company is allowed to bribe your congressman
who is responsible for what the law does and does not allow your insurance company to get away with.
This is a widespread issue not only affecting insurance companies but everything in America from tax breaks for uber rich companies to abortion, and even our education is being censored now. It's a slow rot eating away at our country from the inside out, and has been for the last century at least.
Just look at FL and what Desantis has done to it from a Insurance and Property tax.
If you dont live in the state and just watch the news im sure you'll fight me if you live in the state and own a home you will know what im talking about.
Just to piggyback here, same thing with TurboTax and all these other tax preparers. The IRS has all the information they need to just send us a refund or a bill. All these companies lobby so that we need to “file” our taxes through them so they can make money.
They didn’t have to bribe anyone. This is not new legislation.
Please point me to any civil or criminal codes regarding anything they have done here, drones/pools/clutter that hasn’t existed as-is for decades.
Good point. And the constitution should be amended to state that citizens have a right to privacy.
We need new legislation to protect home owners from insurance companies using drones to look at their properties.
Then they should use a computer model to determine whether or not you’re too much risk to cover, and just deny you buy statistical analysis, L O L
A shotgun works better.
You can't legislate stupidity. Insurance companies would just find a way around it.
sad we have to keep asking the goverment to step in because of this.
@@likethecolorgreen the govt is in on it
Current insurance company mindset: We are happy to insure you....provided we can absolutely confirm that you don't have anything, anywhere, in any way, that we think might cause us to have to payout to you. We are in the business of happily taking your money, but we are not in the business of risk or paying out claims of any kind.
And then you file a claim...
I can see why elderly people wouldn’t put water in a pool but these insurance companies are getting ridiculous
Failing to keep a pool full tends to cause a lot of very expensive problems. Around here, they'll start to float without the extra weight of the water inside.
Emptying your pool becomes a liability due to the fact that it’s a falling hazard.
WHAT if someone would accidentally fall in that empty pool and crack their skull open?
It's a liability that is no longer being maintained for its purpose, this isn't anything new or shocking. Talking tens of thousands in repairs if they made a claim for damage they caused using it as a garden.
But now it's a significant hazard that is different from a filled pool.
they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. there needs to be a class action lawsuits to bring these monsters to heel.
said " they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. "
Care to explain how insurance works from a financial perspective? RE Where does this money come from and where does it go to.
Responsibility of what exactly? The people in the vid are not having a claim rejected, just no longer having the policy renewed.
" there needs to be a class action lawsuits to bring these monsters to heel. "
The only winners in a class action lawsuit are the lawyers. They make millions and the "injured" get peanuts.
They defraud people by teaming up with banks to make people that have mortgage HAVE INSURANCE. Most people pay a 30 year mortgage and sometimes longer with refinancing…. Insurance comps helped pass laws to mandate insurance! After a homeowner has paid on the loan for 20+ years the insurance companies start looking for ways to cancel policies. They want high dollar premiums over YEARS and then as time goes on and things go wrong they want zero responsibility to pay for damages.
there is no fraud here
They shouldnt be denying people insurance because of a wildfire hazard@@bobroberts2371 Thats the root of it.
My homeowners insurance told me I needed a new roof or I would be terminated. I had 30 days. I found a roofer, it took almost all my savings, but got it done. They canceled me anyway. The roofer later asked me why I wanted a new roof as there was nothing wrong with the old shingles!
I would either sue or track down those people
You would waste all your money in court @@stereo-soulsoundsystem5070
Another glowing example of why better consumer protections and insurance industry regulations are needed.
@@Elizabeth-n3v2uwell we should just have the federal government take over the insurance industry since we can't trust them. We can just all pay into a single pool for our homes and we won't have to deal with all of these Middle Men.
Isn't it easier to simply change your insurance provider then? Go shop for insurance and say good bye to the old one.
AAA is absolutely the worst. I'd been with them for 25+ years as a auto club member, I never used them until just a few years ago. I had to have a car towed 3 years ago, the driver who showed up was so high I wouldn't let him tow my car. I've had 3 incidents in the last year with road hazards giving me flat tires on 3 different vehicles. In every case my jack wouldn't life the car, the lug wrench wouldn't loosen the nuts, in one case the jack retainer was installed so tightly from the factory I couldn't get the jack out. In each case I called AAA, and in every case I waited hours and nobody ever showed up. I had to call a local wrecker to bring a jack, impact wrench, etc just to help me change the tire. I called AAA to cancel, it was totally painless like they were either having a lot of cancellations or they wanted to get rid of me because I was actually trying to use what I was paying $100 a year for. Like I'd ever trust them for insurance.
buy a good jack and an x style wrench if you are gettingn lots of flats
Sounds like you need to learn how to use a jack.
I’ve had them for 22 years and I’ve never had a problem with them at all.
Yes over the years they've gotten worse with their customer service... I've been with them 20 plus years and I'm thinking of leaving... they use to be the insurance provider to have but as of late...🤷♂️
If it helps, I dropped my AAA last year and picked up the roadside with my insurance carrier. It cost $1 a month as opposed to AAA's rates that keep increasing.
Someone should send drones to the owners of AAA
Someone will notice their children and say “little Johnny looks a little pale today. Can you please check his temp.?”
What?
You don’t have to you can just use Google Earth
Trumpster, murderer
People are cheaters and fraudulent
Not that I’m ok with what ls going on but an empty pool can pop up out of the ground. An insurance company isn’t gonna want to pay for a new pool because you’re not keeping water in it.
The sun and heat can cause the plaster to crack too. That's a 15k dollar repair.
The company isnt refusing a new pool, it's outright dropping and denying them service.
@@romanes_eunt_domus Then that is the risk they deemed. An insurer wants payers who're unlikely to make a claim, so if they got out than it's because they deemed them too risky (assuming they also followed their contract on when they can't get out). Home insurance is not mandatory in Cali except for some instances if your still on a mortgage. Shop around or make your home less risky. Also vote for politicians that actually do something about climate change.
@@ChainsawDoggo gross. I.e. insurance is a scam.
What's the best way to disable a pool long term then? Asking for a friend
States need to cracked down on this. I personally think mandatory insurance laws are terrible and very abusive.
As near as I know, insurance is only required if you have a loan
Just the other day God told me to eat a whole pack of biscuits. I did. They were delicious.@repentandbelieveinJesusChrist9
@repentandbelieveinJesusChrist9 Why do you worship and pray to a god that humanity has so easily surpassed?
@@Head00Busta lol! Surpassed?! How? Please tell.
@@ube4856 the bible does not hold up to scientific scrutiny. if you seriously were not aware of this, you've got a lot to catch up on.
The message is clear. AAA is a horrible company. Avoid.
Agree. I have them for **Renters Insurance**
If you are decent, hard working folks--the State of California is out to nail your ass.
I actually have an answer as to why the pool was a reason: pools are designed to hold thousands of pounds of water and when you remove the water you risk the lining cracking and causing it to be unusable. That may have been why they justified it. Not saying it's right, just providing insight.
The empty pool can actually float out of its hole in heavy rainfall similar to the hull of a ship!
makes sense
Removing the water renders it unusable.
That's exactly what I was thinking. If you're going to empty a pool you need to fill it in.
They'd try to sell that home as having a pool! Then need to use insurance to repair it before selling. I get the point on this one.
If an insurance company cancel your policy for something frivolous like this, they should have to give you back all the money you paid
it's not frivolous, it's a violation of the contract by the homeowner. There are sets of conditions that must be met to have homeowners insurance and a pool, including what you are required to do should you decide to drain the pool.
@@gizmoenterprises3467Bootlicker...
I have a pool and I have homeowners insurance. I just got out my paperwork and nowhere in it does it say I have to keep water in the pool or they will drop me. And I bet you $1000 that ladies policy doesn't say crap about having to keep water in her pool as well...
You probably are a slime sucking agent or you work for one...
no they will give back the pro rated amount for that policy period... do better
I was going to agree with you… until I googled it 😅 a LOT of home insurance _REQUIRES_ your pool to be filled _AND_ maintained! What the holy hell!? Though I guess it makes sense.. what if someone accidentally falls in and there’s no water… but still 😅
Policies require annual renewal and aren't not lifetime contracts.
Remember, drained pools are a massive liability. Home owners insurance often also covers accidents on your property. If someone falls into the deep end of your drained pool and breaks their neck, that’s covered by your homeowners policy. I think it’s unreasonable to go straight to cancellation, but I would expect my insurance to go up if I drained my pool.
what if they fall into any part of the pool and drown? that is far more likely
@@queentargaryen9389
Someone drowning or almost is something they probably factor into the policy to begin with if you have a pool and lots of places say you have to have a fence or something similar to stop accidental drowning from people, usually kids.
But no one really factors in a 5 ft or more drop into a hard surface into their policy. Different injuries and etc.
Though they could have just been jerks about it and was looking for any excuse.
Or maybe we should just get rid of all insurances and just have free healthcare and housing. Yknow the things a government should provide anyway instead of outsourcing to private corporations. Idk just a thought
@@queentargaryen9389 Why would someone drown if they can swim?
@@ianover6838 not everyone can swim….
What is disgusting is that there was no investigation as tonwhy there was no water, just a flat out cancelation. There was no grace period given for the homeowners to remedy anything. Absolutely shocked at the abuse of privacy here and that this is the 2nd story I've heard about this in the last week. Disgusting.
do better
I agree. They were never given a warning or a chance to fix the problem. It’s insane how scummy insurance companies can be
How do you know? How do you know that they hadn’t taken a picture 2 months before, and then a follow up 2 months later to find it in the same state? How do you know they sent a cancellation letter at the FIRST sign of the empty pool? Only ignorant people assume to know all the details.
Maybe the AAA, knows they shouldn't be spying & recording "private property" or that it's illegal to send drones to spy or misuse of drones. I believe there are rules and laws for usage.
That's THEIR story. We don't know what really happened or howo many letters they got first.
This is an organized and concerted effort to completely cancel all policies. After all the money sunk into the insurance it's absolute b.s.
Grow up and learn how the world works. These people live in a high risk area and need to pay the associated costs.
@@petebusch9069 They were paying the associated costs until their policies got dropped, jack ass.
15-20 years of collected insurance premiums got all paid out the last 5 yrs.
AAA is one company and for Homeowner's they are actually one of the worst. For auto, a little better. There are plenty of other insurance companies. These folks are older and may not have made changes in many years. They may actually get a better rate with another company.....
@@SFPhilo exactly. that's why you don't hear about this problem outside of democrat run cities. i wonder why?
One relason for empty pools is it that an heavy rain can pop the pool out of the ground. I observed this in Broward Co. Back in late 70s. They were just built and not yet finished when we got a very heavy rain storm, the rising water table poped the pools out of the ground.
CA's water table is hundreds of feet down.
There's AT LEAST a few lawsuits here. CLASS ACTION TIME! Interesting how all these customers they cherry-picked are elderly. Thats definitely illegal. And survailing their homes like that, thats definitely got to be illegal.
Ever consider that what's portrayed are older as they perhaps the younger home purchasers are at work and are not available and may not be the ones being dropped? Operating a drone in non-regulated air space is not illegal and is the same as taking photo or video from a public space. Set aside your feelings and pay attention at the end as it was all resolved.
😂😂😂
It should be illegal. I don't want some stalker droning on my privacy.@@Mauser1965
@@Mauser1965 it was not all resolved, and why do you think these interviews were random calls? You think the reporters just called up some numbers one day and interviewed whoever was home? Have you ever had a job? They set up a time and date ahead of time. No one works 24/7. Calls can happen during weekends and nights. Do you have friends? Do you randomly go over, or do you make sure they're home first? Please, use a little common sense, huh?
@@godmagnus The reporters are responding to people who CALLED THEM.
He's 85 😳👏🏽 looking good sir.
Came here to say the same !
Yes!
I was going to say the same. Wow would like to know what he does
my man will look 85 after this
Nah he looks 85 to me lol
How all these insurance companies get away with all this without lawsuits for "Invasion of privacy" is beyond me.
Privacy issues via aerial photography is covered under state and local laws, and although CA forbids photos of individuals engaging in private activity, photos of land and property are allowed as long as they are not taken from legally defined prohibited air space.
You don't own the airspace above your house.
@@SunnyWu Actually you do. However, there are easements for airspace.
They are not invading your privacy, they are using what is viewable from public space.
@@sciencehunterActually you don't. That airspace you own only goes up to a certain height, beyond that it is public domain.
Simple Solution: Dont Use AAA for anything ever again. Tell all your friends.
The auto insurance company?
"Because the pool was empty".....an empty pool can pop out of the ground because Hydrostatic pressure is the force exerted by water against the walls and floor of the pool. It's also the main reason why pools pop out of the ground. If the water level in the ground surrounding the pool rises too high, it can create a pressure imbalance that causes the pool to pop out of the ground. Never leave a pool or spa empty. They would be better off filling the pool with dirt and landscaping over it.
Does AAA really cover claims against pools other than injury? Maybe I'm wrong, but I have a hard time believing that my home owners would cover any failure of my pool or components related to it.
What about all those skateparks? I know skaters that have had empty pools in their backyards since the 90s no such occurrence has ever happened
You have to have groundwater for that to happen. This was in California.
@@jamesdagmond i am in California, said skateparks and pools are in California
@@sliderx1897 It's gotta be extremely rare though. I've worked on hundreds of empty pools never seen a single one have an issue with coming out of the ground.
I can see why the empty pool can be a higher liability. You have a giant hole in your backyard where you can potentially fall especially if the people living there are seniors. Also, pools are designed to hold water, the weight of the water keeps the pool together. Empty pools are more likely to crack which can cause major damage that will make the pool unusable.
There are multiple construction methods for in ground pools. Soil type, water table, etc all vary wildly too. I've been to a few skate parks that used pool construction methods for their bowls. Hell skate boarding in empty pools has been a thing for many decades now.
The amount of people who fall into empty pools and are injured is dwarfed by the amount of people who drown or injure themselves in or near a full pool.
Seems to me the insurance company is just itching to drop policies in that area as stated in the news broadcast above.
@@ToolofSociety or they could keep the drown proof cover on it.
How is that even legal? Like an insurance company surveilling your house? I need to brush up on the legal loopholes cuz hell nah
Like what if I was in my backyard naked sun bathing with my wife or getting a lil doggy style in the back yard one time and y'all flying drones over this technology future is making life suck
Because you don’t own the sky.
@@XploreAz I get that part but just as a neighbor doing it would be considered some form of privacy infringement and in many surveillance laws the “sky” or airspace isn’t referred to or referenced at all. Do you know what loophole they are using?
When you sign or agree to buy the insurance policy, buried in the application/policy is language that allows them to check you out.
It’s not, people defending companies like they would go to bat for them is hilarious.
It's hard to imagine anyone in California trying to conserve water. Kudos to this couple.
Can you help me understand how draining a pool "conserves" water?
@@jt8251 Did you not understand her when she said because of evaporation she needed to put water in it every couple of days.
She explains it in the news clip. Watch the video and discover how draining a pool conserves water. Then you will know.
@@JamesWilliams-gp6ek yes, and she's full of sh*t. I own a pool in the Central Valley where's it's 100+ degrees every day in the summer and I do not have to put water in it every couple of days. Even when the pool does need to be filled due to evaporation, it doesn't require that much water. They emptied the pool because they don't use it and don't want to maintain it. It has nothing to do with "conserving" water. She's full of sh*t. She will ruin that pool by leaving it empty in the summer.
@@62Cristoforodraining the pool will damage the pool resulting in thousands of dollars in repair costs. Draining a pool does not conserve water. She just doesn't want to maintain the pool.
Your pool will crack and ruin very fast once you drain it. It will cost you more in the long run if you keep it empty.
You can't judge these hard working insurance companies until you've walked a mile in their cloven hooves.
Funny.
Go post a bond for a couple of million dollars and underwrite your own insurance policy. Sheesh.
Insurance is a scam
💯
Then don't buy any. Simple no?
@@bobroberts2371 Are you forgetting that it's mandated by federal and state governments for various situations?
@@InsaneFirebat What state forces a person that owns a home outright to have home owners insurance? For a car, liability insurance is required OR proof that the owner / driver has enough liquid assets to cover any liability.
If a bank loan is involved, home / car insurance beyond basic liability to protect the banks assert. If you can't agree with this either pay cash or find a lender that does not require insurance.
@@bobroberts2371 There is a long list of professional services that require insurance to operate legally. Insurance is highly integrated with government at all levels.
A drained pool tends to crack and heave out of the ground. Then the owner makes a $250,000 claim.
All these insurance companies needs to be prosecuted and laws should made so that most of the clients are protected. The greed and corruption of insurance companies are bottomless pits.
Insurance companies are out to make money, not help their clients, proof they don't care about you only your money. Sounds like a Republican.
@@user-justbeingme you arent making money if your dropping your income left and right for stupid reasons. eventually people will wise up and cancel the insurance and they go bankrupt.
You don’t seem to understand how insurance works. People who have extra risks which are likely to cause extra claims either pay more (that’s fair) or get cancelled altogether. That makes complete sense. That guy had a back yard full of flammable tires! Any insurance company would cancel if they saw that.
@@user-justbeingmeEVERY COMPANY is out to make money. Why would anybody go into business to LOSE money?
They have MANY laws governing what they can do.
Insurance company are the biggest scam. When they take your money, it’s always fast. But when you file a claim, they drag their feet and don’t want to help you 😂
So freakin' true, and they treat you like some ruthlessly greed-driven psychopath who is trying to commit fraud. My god they will do ANYTHING...accuse you of anything...lie about anything...whatever it takes NOT to pay you.
Very trumpy indeed.
Insurance is expensive--------------mostly due to fake and fraudulent claims. Many turn in claims for only a few hundred dollars. Fraudulent insurance claims raise insurance costs for everyone. There is more risk of damage and injury now because of increase in crime caused by "DEFUND POLICE", increased carjackings, robberies, mass shoplifting, home break ins, and squatters.
I am convinced that the government of California just doesn't want a middle class there anymore.
Pools have always been an insurance nightmare. One drowning or accident can cost millions.When you get collision coverage on your car, often insurance adjusters want photos. The pool depicted does look unmaintained. And, there is no fence. A giant 8 ft deep hole in the backyard is a risk factor for an accident.
So is a bad column in your house. Dumb fuck. What's with all the fatalistic self police. Well xyz could happen... to someone else. Read a book loser.
Las compañias de seguro estan abusando y su poder, no tenian derecho de invadir la privacidad de esta familia y menos tomar fotos de su propiedad sin su consentimiento
Si dices la verdad. Que horror que estan haciendo esto con el solo proposito de cortarles la polica
They have the right . They are a business. If you don’t like it , DONT BUT FROM THEM . Simple enough for you to understand?
@@BeardedDragonMan1997you hurt?
@@genericamerican7574 you have childhood trauma.
iniciar una compañía de seguros. llámalo el seguro de Evelyn
Regarding the pool, if they dropped the pool coverage they couldve kept their policy and pay slightly less, but an empty pool is essentially a pitfall human trap she would have to fill it in with dirt.
Wow. I think I am glad I had to sell my home about 5 years ago. This sounds like a nightmare. We had a pool, and used to joke about people spying us on us when we used “au naturel”. Sounds like our jokes have become entirely too real. I feel for these folks.
people down here in the comments blaming CA.... you don't think it'll be nationwide?? just wait 😞
But Nationwide is on your side.
@@SharpBalisong 😂😂
😂😂🎉
@@SharpBalisong Until you have a claim.
@@SharpBalisong😂😂😂
if you empty the pool, the shell will crack and rise in the rain, it could be $100,000 repair
Wowzers that man is 85!! Amazing.
As an insurance agent it has been tough the past 6 months. Not being able to get coverage for younger drivers, certain cars and they are getting even more strict .
Because teens are running people over.
I still can't believe that y'all are allowed to charge men more for automobile insurance, when the only ones ever to run into me were women. They were black too, but you can't charge them more, now can you?
@rustyshackelford3371 from the information gathered younger male tend to be involved in more accidents. Now not sure why you made it about race since drivers that drive unsafe is from all races too.
Yes in 2023 it is about race as now democrat city councils have made it so if you have out of date registration you cant be pulled over, cant be pulled over for broken taillights, etc are you new or just dense???
@jonnyfendi2003 would you like me to cite the sources of people being injured or killed over minor traffic stops?
In-ground pools are not made to be left empty which leaves them susceptible to heaving and collapsing. A customer making risk-prone alterations to their property is absolutely a valid reason for an insurer to reevaluate their coverage or end the business relationship.
An empty pool is more of a liability if someone fill it in...
Better yet, ask AAA what should be done.
Many people and apartment complexes fill empty pools with dirt. Eliminates danger of falling in and getting hurt or worse.
It really isn't that. Pools are not meant to be empty for any length of time. Damage can quickly form and when filled again, can cause the water to leak into the soil. Over time this can cause the soil itself to become unstable and can threaten the foundation of the home. A simple web search for "how long can one leave a pool empty for" would have helped these folks out. They may be able to get the policy reinstated if the fill it in (remove the pool).
@@SpockoMan someone gets it. Draining a pool in the middle of summer can severely damage the plaster.
I think that the insurance company might care more about liability rather than damage to the pool. But I do understand your point from a homeowner's point of view. Thanks.
@@SpockoMan right. But AAA should also explain the reasoning to their rejected clients, and give them time to rectify the issues before dropping them outright.
Note to self out a tarp over the pool so they won’t know it’s drained
yeah. definitely put up one of those wedding canopy things over the pool so they can't see it, but also sue them for violating 4th amendment. That's most critical to maintain America. Not fighting for our constitution will make us communist real fast.
Cheech and chong did that.😂😂😂
@@ryshellso526 You actually remember part of a Cheech and Chong movie? I can't tell you one scene from any of those movies.
hehehehe lol
@@ryshellso526 Smart $hit.
Unpopular opinion. The pool cancellation is justified because the same drought and reason having the pool with water is expensive is the same reason their home is a wildfire risk and therefore is expensive to insure
It’s really useless when people say that they are complaining to their local agent. Their local agent is a lot like a bank teller. They can’t do anything all they can do is accept your payments and do basic things. They can’t make decisions like that.
As a pool owner myself, draining a swimming pool is absolutely a reason for losing insurance on at least that part of your home. Pools are constructed to expect the pressure from thousands of gallons of water on them, if you drain a pool for an extended amount of time, the ground beneath it can and will shift and result in extensive damage to your pool that could cost tens of thousands of dollars to repair and is unfair to expect an insurance company to cover. if you did it to yourself.
I’m no fan of insurance companies but this is clearly the fault of the homeowners themselves for not understanding what they’re doing to their own pool. They are intentionally doing something that will destroy part of their home that is covered under insurance, and that is grounds for not renewing their policy.
You’re never supposed to do this, these are people who never learned how to take care of delicate expensive property who then raise a karen type stink when nobody wants to deal with their self-induced problem.
What a beautiful pool, what a total shame. It’s twice as big as mine and has a cool shape too.
"it's twice as big as mine and has a cool shape too."
i could show you something else that would fit that description ( ͡° ͜ʖ ͡°)
This has got to be illegal as fuck
Farmer's did it to me. I had an 8 foot ladder on the drive behind my house. On the ground. They took a satellite picture. Called it debris. Good solid house. Not in a zone of any kind. Always paid. My Dad bought this policy in 1969. After he passed, I kept paying. Inherited the house. 54 years we paid on this, over this time, averaging $200 a month....over $129,000 we paid them. It's like gambling with these companies. Now, it's fear and emotional distress. We really are on our own out here.
The CEOs are psychopaths entirely driven by ruthless greed.
People think psychopaths are serial killers because that is what Hollywood has told them. There is NO MONEY in serial murder, and psychopaths are all about money, money, money...and to a lesser degree trying to alleviate their extreme and pervasive boredom.
Just do a Google search for the top jobs of psychopaths. Sit down before you click on the link.
It’s really upsetting to hear this. I wish this issue could be solved, it’s so unfair to home owners.
Tell Sen. Liz Warren about it. Maybe she will make it an issue. She's good like that. "Elizabeth Warren, a fearless consumer advocate who has made her life's work the fight for middle class families,"
You should have paid yourself.
What county is the property in?
These insurance companies are out control. You have homeowners trying to be responsible and do the right thing and these insurances full on discriminate
An empty pool is not being responsible. That pool will float if the ground gets saturated when it rains heavily. This will result in the pool popping out or severe cracking. The insurance company knows it will be responsible when that happens, so they chose to drop this house from coverage before that happens.
@@georgebootoo4026 🎯
Don't like it, get the other whiners together and start your own insurance company. OH, not your cup of tea, you rather just bitch, whine, moan and complain.
As a retired safety inspector, a drained pool is extremely DANGEROUS as a trip fall hazard that could be LETHAL. I would NOT recommend an insurance company provide LIABILITY insurance unless they had the pool covered completely with plywood, and barriers preventing public entry into the area.
Well you are evil, you pay for the water
@JohnChrysostom101 There is no public entry on private property. That would be called trespass or breaking and entering, under which cases neither accudental injuries would be ruled the fault of the homeowner.
I knew Florida was having trouble with insurance companies dropping customers due to hurricanes, but I had no idea California had the same issues due to wildfires. All the news and social media makes it sound like Florida is falling apart because of that and here's another state that it's also happening in.
It's crazy how the media picks and chooses what stories to tell us to care about.
It's pretty bad out here. We had a wildfire in 2020. 900 houses were lost just in our fire. Our county is one of the worst when it comes to rebuilding- less than 30 homes have been approved or are in the final approval stages nearly 3 years after the fire. About 100 homeowners are in the preliminary permit stage. Many more are still battling the county to get permits to rebuild their homes. About 1/3 of all these fire victims have simply given up- took what their insurance gave them and started over somewhere new. Many of us who escaped the fire are on pins and needles waiting for our insurance companies to drop us. There are options but they are very expensive. Some policies (via the state of California) have quadrupled or more in price. One homeowner in our community went from paying $1700 a year for homeowners insurance to over 7k per year because his policy he had for over 20 years and only one minor claim, was canceled.
It was no different during the Loma Prieta earthquake. People outside of the state thought much of San Francisco was on fire and entire neighborhoods were totally flattened. Different news agencies were showing different angles of one building on fire.
FL is falling apart and going down a bad path. But so are other states.
In California it varies a lot based on how exposed your house is to wildfires. If you're in town it's usually not a problem, but some places in the hills are uninsurable.
The problem Florida has is the whole state is at severe and increasing risk for hurricanes.
😂 lol screw insurance.. insurance is a scam.
You wouldn't say that if you lost your home and now have to pay out of pocket for replacement. Florida would never be the city it is without insurance with all those hurricanes.
this is why their commercial can be about anything because they dont provide anything
@@Mlogan11Victims of Hurricane Katrina weren’t covered for a myriad of reasons in spite of paying insurance for decades
@@SuiteVII Sure there are some insurance companies that don't honor claims, but many claims are honored. To say that all insurance is illegitimate is wrong.
@@Mlogan11 But to say insurance companies avoid paying out is accurate. Especially in situations where many of their clients are making claims simultaneously
Insurance companies wanting to insure you only if there is .0001% chance you might have an incident.
Someone's gotta do the rent seeking, right?
That keeps rates down.
@@johnp139 It's not working right now.
Wrong. They had statistical tables and statisticians who can predict the percentage of claims that will occur in a given year. They hope to be right.
The law to require home owner insurance should be modified. This way the insurance companies do not have the upper hand. Unrelated but kind of the same. We are paying CRV, but there are so few to none or the drive is too far to make it worth the ripe to get our CRV back. This is essentially forcing us to give away a percentage of our income.
I don’t think there is a “law” to require homeowners insurance, I could be wrong though. Usually it’s mortgage companies that you make your house payment to that require insurance. In the event a house gets damaged the homeowners insurance will then rebuild the home or payoff the home so the lender gets it money. If you own your home outright you don’t have to have insurance but you would be out all that money if something happened. I do agree with you on the CRV thing!
What is CRV?
@@sgraham4533 CRV is “California Redemption Value” I think. It is the deposit you pay when you buy recyclable things like soda or water in cans or bottles and when you recycle it you are supposed to get it back. The problem with it is a lot of places that used to take the cans and bottles back closed down and technically the retailer that takes the deposit from you is supposed to give you the deposit back when you bring the cans and bottles back but they don’t do that either so some people have to drive more than it’s worth to redeem your deposit. I had 5 large trash bags of crushed water bottles and got about $12. In total round trip it was about a 45 minute drive and with gas being $5.00/gal here in California, recycling was hardly worth it. So most people don’t recycle and let the state or whomever keep the deposits, so if most cans and bottles go unrecycled and the state is mandating people pay it but not mandating anyone gives you your money back, they need to stop charging it. Just like our stupid plastic bag ban. It’s 10 cents per bag required by government BUT it goes into the retailers pocket, it doesn’t even go to the state for anything, it just makes the retailers richer.
@@sgraham4533 Cali Redemption Value. It's the 5 or ten cents tacked on to each beverage container you buy. After finishing your soda/beer/juice/water you take the bottle to a redemption center to get your cents back. Even with all the bin divers collecting bottles and turning them in there's about $300+ million in the state coffers waiting to be redeemed. It's locked in a trust fund and the Sac politicians are always trying to ways to spend it.
There is no 'law' requiring home owner insurance. Either the insurance is required by the bank when you finance a house, or the HOA requires it as part of living in that neighborhood. Simple solutions; dont spend money that you dont have, and dont buy property that others can control.
Pretty soon California will not have any Home Insurance Company left! You wanted to live in California Stop complaining or move out like many already have! Doing business in CA is just not worth it!
They only want customers that promise never to file a claim. You can be sure claims are down because people are too scared to file any so the insurance industry wins bigtime.
I’m pretty sure without the right pressure and moisture the pool will begin to crack. When my mom had hers replastered (whatever it’s called) recently & had a timeframe it had to be done in or else it would lead to problems from not being filled. If you want to save money by not using the pool you would have to fill it in and have it covered up according to code. I’m sure the empty pool is also considered a safety hazard.
I mean, I can understand for two of the people. The first guy running a junkyard on the side of his house is just an increased risk of somebody getting hurt, or something there damaging the property. It’s not the insurance companies job to tell you to have specific behaviors that lower risk.
The guy with the roof, if you’ve got paperwork like that, I’d side with him on that one shame on AAA.
The last lady, I can see how it’s an increased risk to have a drained pool with no cover. Risk of somebody to fall in, and decided to use their pool as storage, it just looks like a dump, and I can see how the insurance company doesn’t want the higher risk stuff from people who treat their backyards and driveways as dumps.
Nuts. AAA has been a reliable name for years.
That just means that it's a signal the other will be following- not a good sign.
This has to be one of the most disgusting and despicable things I think I've ever seen any company do
It’s been 300 years since the first corporation was invented. Trust me, there’s worse. Look up “corporate death squads”.
They NEVER intended to give coverage and this proves that. They paid for so long just to have this taken from them! They should all be paid back in full plus some
Make it so that insurance is not required for financed properties and just watch the tide turn to where homeowners have the advantage and insurance companies would BEG for your business.
I don't think the lenders providing the financing are likely to go for that, the requirement is there to protect the collateral that backs their loan to you
Good luck getting mortgage without putting 20% down first.
and then the banks will leave the state when they take losses on loans without insurance. The state is the problem, not the insurance companies (and i am NO fan of insurance companies).
@@ysk2083I put zero down on all of my mortgages.
you can't get a home loan without insurance (the bank ain't gonna loan w/o insurance). you usually can't buy a vehicle without insurance (most states require insurance). Insurance companies are NEVER gonna beg YOU for your business.
My HOA comes by every year taking pictures of all of the homes and then sends letters to homeowners requiring repairs and maintenance to comply with HOA rules. It’s not cheap.
You live in an HOA? Oh, LORD! You deserve whatever you get!
@@calanon534 Your parents really failed you as a young child, didn't they? Never showed you any kindness, no empathy for your pain or emotional suffering. Heck, they probably beat the crap out of you on top of all the other things.
Sorry you had such $hitty parents. Your lack of empathy and basic human decency is a personal indictment of how poorly they treated you as an infant. toddler. young child.
But you agreed to those terms under the HOA. And everyone there is in the same boat. I do feel residents should have the ability by vote to change some rules in these if they want.
@@calanon534 what? you mean like a home owner who wants home insurance? they deserve what they get.
@@kelleyspears1218 unlike a homeowner who agrees to all the terms and conditions when they buy insurance? I never heard of an insurance policy that includes fine print, that’s why I just buy it and don’t read anything.
Doesn't draining a pool allow for cracks to develop?
Triple AAA is terrible. I once had a tow truck driver come with a HORRIBLE attitude and I decided I didn’t want his help. My car situation happened around 1-2am at night and he kept on picking up my route and canceling it for a whole 2 hours! I had to call a separate towe company because of this petty immature aggressive behavior and how the triple AAA agent kept supporting it by saying they can’t help me get anyone else at the time! I was really upset and wanted to complain or do something but I had no chance or clue where to report this issue to!
You're crazy and don't understand your insurance policy. Just because you have AAA doesn't mean you get to work with any tow truck company. They have partners they contract with, or it has to be a company that accepts your insurance. Generally with AAA it's the former. Just because you have a policy doesn't mean everyone takes it. Just like health insurance. You put yourself into that situation the moment you refused his service, he might have an attitude but finding someone who accepts your insurance past midnight or multiple open companies is always going to be difficult. What's crazy is you're in the Bay Area, you have the luxury of multiple towns and late night businesses. There are plenty of places you would have sat out all night. You act like the AAA agent called up the tow truck company and said let's screw this person over tonight. They did their job according to protocol. Because you have zero understanding of the situation you assume they were in the wrong. There is no one to complain to because you fabricated this complaint out of your own ignorance. The really sad part is the way you told this story, I can tell you tell this anytime you talk about insurance or AAA and still haven't figured things out yet.
Should have just eatin the attitude and let the dude tow the car, you just made trouble for yourself by being offended.
@@DinDooIt not really I got help from someone else instead, I’m just saying what type of people work with triple AAA and how us paying customers don’t deserve this
@@Glamgrlsf you seriously have issues if you think one experience with little ole you represents AAA as a whole. You think one person who treated you shitty represents an entire nationwide company. I haven't had AAA since I was young and traveling, haven't needed their level of services and all their roadside amenities like the towing you're talking about. Why pay for that if you don't need it so I'm not even shilling for them. But it literally is crazy of you to think a company worth 700+ million takes the time to contract with a shitty tow truck company and then give you the run around in the middle of the night purposely.
You haven't stopped to think, I might be the problem in the situation. I may be the one who is causing a problem at 1 am and then refusing to cooperate with the actual people that have attempted to help me.
I find it funny that you avoided responding because I'm the only one seriously calling you out and holding your Karen attitude accountable. AAA must be bad because they hurt you. Their customers all deserve more for their dollars because you didn't get one tow you refused yourself. Fucking crazy.
@@DinDooItif the dudes paying the company every month, ain’t no reason he should have to put up with a bogus attitude like that. Why would you pay someone to treat you like shit when you can get treated like shit for free plenty of other places? Let’s be wiser with our finances.
If they really are no longer going to use the pool, best to fill it in. How does the insurance company know that they won't want to use the pool at a later date and will file a claim to do repairs, before doing so?
It's a falling hazard.
That pool could be skated for real.
Lol I thought I was the only one thinking about it
lol..what I was thinking
As a property manager in both the commercial and residential arenas, I fully understand what the insurance carriers are concerned about. A poorly maintained property appearance on the outside may suggest to an insurance provider that the inside is also poorly maintained. An empty swimming pool without safety fencing around it may worry the insurance carrier as well. That man's house in Oakley, CA has a car parked adjacent to the side of his house in an area that was never designed for vehicle storage. I can understand why that insurance carrier dropped him. No brainer. Insurance companies have to manage their risks very carefully, especially in light of the many huge catastrophies that the US has seen in recent years. Property owners need to stay on top of maintenance & safety issues (ie: the horrible Oakland Hills fire that burned over 5000 homes 20+ yrs ago could have been avoided if property owners cleared/cut back vegitation too close to their homes "annually". All my neighbors in Daly City, CA were doing that annually in the 1970's. It took a horrific wildfire for the Oakland & Berkeley, CA firefighters to learn that life & property saving lesson 😢. That is truly a shame. San Mateo County fire officials 😊 were on top of their game in the 1970-90's while the Alameda County fire officials were twiddling their thumbs 😢, and the driving distance between those 2 regions is only 1 hr or so).
Oh please. There is no way in hell that an empty pool carries more risk for an insurer than a full pool.
It’s all about correlation. An empty swimming pool is likely correlated with other risk increasing decisions.
It goes to show, at the very least, the homeowners don't understand their responsibilities of having home insurance.@@gruweldaad
@@gruweldaad
It sure as hell does have more risk being empty than being filled. No insurance company will insure a home with a big ass hole in the backyard. 🤣🤣
@@lennym480 That is ridiculous whether you say it or the insurance company says it. The likelihood of someone falling into the empty pool by accident is much lower than someone drowning in the pool that they entered on purpose. It’s a completely absurd argument.
Why are people angry? These days people sue for stupid things and win. I don't blame insurance companies for trying to protect themselves.
He's the best looking 85-year-old male I've ever seen.
Draining water from an in-ground pool is just stupid. You literally tun your pool into a giant concrete bucket that can float on the ground water. The insurance company canceled them because this would be a massive preventable payout to repair if this were to happen.
You just can’t blame anybody for not wanting to do business inside California,
You get what you vote for!
Quit being a mean grinch. Besides, Floridians are going through something similar because of all of the hurricane damage.
Insurance company's should be required to meet in person at the property with the homeowners paying mortgage 60 days before any increase or cancelation.
And supply all supporting data collected by insurance companies, so people can go to arbitration of BOUTH party's AGREEMENT ON (NO AGREEMENT REACHED) GO TO COURT WERE HOMEOWNERS PROPERTY IS LOCATED, NOT INSURANCE HEADQUARTERS LOCATION.
I can see why, that giant concrete hole in the ground would be considered a high risk liability. This is why it is very important to READ your policy before agreeing to the terms.
I think the problem here is that 1000 sq.ft. home is a million dollars in that area.
I work in the homeowners insurance agency and I can say that several companies are doing the same. I primarily quote with Bamboo and we’re constantly having to ask the homeowners for photos showing debris was removed or inside/outside photos just because a claim was filed. Receipts of repairs, etc. It’s getting bad. I personally think the companies were sent a memo so that CA Fair Plan (a state managed insurer) can get those premiums!
When you drain the water you can damage the pool. The waters weight holds the pool into the ground, with out the water the soil can push the pool up over time.
They didn’t cite anything about the water. If you watched the video, they said “deferred maintenance.”
I don't have an inground pool, but even I know that draining and leaving it empty is a no no.
They do this in Texas too. An empty pool is far more dangerous than one filled with water. If you don't want your pool anymore, you fill it in. It isn't like you have anything to lose as once you leave that plaster open to the sun for 2 or 3 weeks you have ruined it anyway.
Even better just put a pool cover over it and no one will know if it has water in it or not 😅 a full pool is way more dangerous lol u can't drown if there's no water
@@maneiono
But you can fall into a concrete hole and crack your skull open.
An empty pool is in fact more dangerous than a filled pool. You can tell if there's water even if there is a cover.
The problem with the pool situation is if an intruder gets on the property, they could fall right into the shell. Yes it's trespassing, but it's still a lawsuit. The best option would be to fill it in or cap it.
Wrong.
If a trespasser falls off the roof he is liable, same if he drowns in the pool.
It is true. Some person could actually fall off the edge into the empty pool. Management ofAn apartment complex that had a drained pool, was threatened by residents with a law suit. The management wanted to argue the point but the insurance and city backed the residents. The charges and fines would have supported the Civil lawsuits.
I lived in a complex which had a pool full of gravel and sand on top.
Insurance companies are out of control.
I’ve never lived in California! I’m so glad I grew up in the Midwest! It’s just too much Bs
If you own your home outright, insurance is a waste of money, they don't pay well on claims anyway
You damage the pool by removing the water. The lack of pressure/no pressure will crack it.
And someone could fall in injuring themselves. This one I see.
@@dianecelento4974 It should have a fence.
@@ChosenOne6666all pools should have fences but some HOAs forbid it.
@@MrBirdnose Come and get some cake.
These companies no longer want to do business in California with the high claim rates and absurd cost to operate in the state.
It’s happening in Florida too, wonder what your narrative is for that?
@@02nupe nice whataboutism
@@LiquidToast12 how is it’s happening elsewhere too whataboutism? We know you want to selectively complain and the 🐑 sheep in you is showing.
Make a Department of Insurance complaint.
You can’t it’s justified
The guy that lied about his clutter around his house being his work area is in denial. that stuff is trash and scattered all over the yard and up against the house. The insurance should drop him.
None of your business worthless self policer.. read a book.
I feel for his neighbors. So much junk.
The insurance companies should have set limits on how much they can charge, the rest of us who have had no claims should not have to pay for the other guys house because he bought it in a flood or fire zone.
Rates vary according to location so this is already happening. Flood insurance is an adder so you are not paying to cover others if you don't have flood insurance.
Obviously, Debbie doesn't comprehend the theory of insurance. It's kind of like schools. If you own a home, but don't have kids, should you be exempt from paying school taxes? Or road taxes? Never had a fire, but should you not pay taxes that support the fire department? Geez.
@@lfkatzkeinsurance is not like schools. Insurance is supposed to be based on your risk, not risk or claims of others.
@@garyszewc3339 You missed the point. It's a pooling of risk.... but it's community based, not exclusively on your personal claim history. That's only a small part of it. If you're located in tornado alley but you haven't been hit but your neighbor has, is your premium lower? I doubt it.
Draining the pool will destroy the pool. Pool walls and surrounding ground are most stable with water filled. Can't blame the insurance. OR, you can back fill the pool with sand or type II material.
Hydrostatic shock happens when the soil around the pool is saturated with water , if done right the pool won’t cave in on itself. But yes it’s always should be filled with water.
We're dealing with the same thing in Vegas!!! We've gone through 3-4 HO insurances!!
AAA sells home owners insurance? Maybe they should stick to auto insurance
And life insurance too! No thanks.
My folks had AAA auto insurance for decades and we lived in the San Francisco area. 50 plus years ago it was a decent company.
An empty pool can raise up and crack due to pressure from below and the sides. Homeowners insurance does not want to cover the potential damage to the pool. The bottom line is that you cannot force a business to take you on as a customer. Go buy your loaf of bread somewhere else.