Property insurance continues to be a tricky situation in the Eastern Sierra. What this means is you might be paying more for your premium, or you might need to advocate to get the coverage you need. At Insurance Scouts, we always advocate for our partners to find the best coverage for you so you don’t have to worry about it.
Here’s an example of a recent situation. I sent the below email to a potential home insurance underwriter to give them some perspective on Mammoth Lakes. Sometimes Mammoth homes don’t look insurable on paper, but there’s more to the story. We ended up insuring this $5 million home with the company I sent this to. If you have any questions, feel free to contact us.
I wanted to introduce myself, our agency attended the training webinar and we were thoroughly impressed by the level of information you consider to appropriately rate a risk. If there is anything you need on this, I don't mind going back and taking more photos or jumping on Google Earth for a video conference and screen sharing.
I believe Mammoth Lakes in general offers better risk characteristics than fireline or other mapping softwares give us credit for. Below are some highlights.
Fire Triangle: 1) Oxygen- We have approximetly 25% less oxygen density when compared to sea level. (This risk is at 8,325 feet.) 2) Heat- Even in July and August our average daily temperatures are less than 80 degrees F and a cool 52 degrees F at night. 3) Fuels- Because we are Alpine our fuels are less dense, we have natural granite barriers, and our many fuel reduction projects over the last 10 years have improved our fuel loads.
I have been involved with local fire departments for over 13 years and this experience has improved my understanding of fire specifically. Let me know if anything else would be helpful.
We look forward to growing with you,