“El Nino is Spanish for, The Nino.”

While Chris Farley consistently provided the most hilarious sketches, the devastation caused by the California El Nino storm were very severe.  El Nino of 1997-98 was California’s wettest winter on record.  Up to seven inches of rain would fall in a single day, roads were washed away, along with beautiful homes that were completely submerged.  The damage caused by El Nino cost California more than... Read Article

What does California Homeowners Insurance Really Cover?

The majority of us do not tend to think about what our Homeowners Insurance policy covers, or does not cover until disaster strikes and we learn about the policy “exclusions” the hard way.  We assume that our Homeowners Insurance will be there for us and cover any type of damage.  This however is a very unfortunate and common misconception.  According Bankrate, “a survey found that... Read Article