Have you reviewed your homeowner's insurance policy lately? Do you understand it? As our community's fire folk go through the pain and stress of putting their lives back together, there is a lesson for us all. You need to read and understand your policy and work with your company to ensure that your are adequately covered, especially if another firestorm hits Scripps Ranch.
- Policies can be either a fixed amount or a replacement cost policy. Be careful with replacement cost policies; understand exactly what this coverage says. After the Oakland fire, most companies placed caps on replacement costs. Example: my policy's replacement cost is capped at 50% above my policy coverage.
- Coverage A--This is usually the dwelling's structural replacement. Most policies have a maximum value associated with this coverage. Note this coverage may not cover other structures such as decks, patios, etc. If you have these structures, you need to make sure they are covered. Also be aware that building codes change, and any repair or rebuild will have to be done to current codes. There can be costs for code updates. Make sure these costs are covered in your policy and that these costs are factored into determining your maximum coverage.
- Contents--This covers the contents of your home. Usually, content insurance is a percentage of your dwelling coverage. In my policy it is 75%. This is where taking some time to really look at your home and what's in it is important. One good way is to walk around your house with a video camera and document what you have. Take the time to narrate the tape with where and when you got items and, if possible, their cost. Keep the tape someplace other than your home. Or, make it into a CD or DVD and make copies.
- Be aware of the dreaded "D" word, depreciation--Ask your insurance company how the contents depreciate, and, if you have replacement insurance, what exactly it means and how is the replacement done.
- Alternate Living Expenses (ALE)-- These are the funds that pay for where you live while your house is being repaired or rebuilt. Look at the dollar value and the duration covered. A year may sound like a long time, but in a large fire such as our firestorm most homes will take 2-3 years to be replaced.
Hopefully, by now you have received your membership letter and have joined the SRCA. If you have not yet joined, please consider this important contribution to Scripps Ranch. A membership form can be found on page 7 or at our website at [www.scrippsranch.org].
While this is normally a December event, this has not been a normal year. We will recognize our community's great supporters at this month's SRCA meeting. Join us on Tuesday, Feb. 10, at 7 pm at the Scripps Ranch Library.
The City Council has approved building codes that require new structures in the city to have Class A roofs. The council also approved a citywide ban on wood shake or wood shingle roofs for new construction. More details are on page 9.
The SRCA commends the City Council for not approving an emergency proposal that called for more stringent code regulations. While important, the SRCA feels they need more study. We also thank our Councilmember Brian Maienschein for his leadership in identifying the needed roof ordinance, while asking that the rest of the building proposals go through the normal review process.
The SRCA Membership Drive has just started and already many of your friends and neighbors have joined. We want to thank all of you who sent in your memberships. A special thank you goes out to a Corporate Member, who donated at least $100, and the Community Pillars, who donated at least $50.
- Byron and Patricia Asakawa;
- Rod and Sonya Bolton;
- John and Suzanne Bridges;
- Raymond Chinn;
- Alan and Linda Crogan;
- Bob and Gaye Dingeman;
- Kermit and Jo Ann Elliott;
- John and Bridget Freni;
- Josh and Elizabeth Gordon;
- John and Loel Ann Hammond;
- Stephen and Laura Hansen;
- Joe and Marie Incrocci;
- Richard and Beverly Kelly;
- Ed and Vickie Poss;
- Stephen and Laura Sakumoto;
- David and Carolyn Schuett;
- Gordon and Lynda Shugars;
- Scott and Michelle Silber;
- Ralph and Paula Tilley;
- Douglas and Lynn Todd;
- Kenneth and Lori Vecchio;
- Carl and Charlene Weiscopf; and,
- Sally Woodward.
We would like to make you aware that three months this year will have earlier article submission deadlines than the usual 10th of the month. This is to accommodate earlier printer deadlines due to shorter months or holidays.
- Saturday, Feb. 7--Deadline for March Newsletter;
- Friday, May 7--Deadline for June Newsletter; and,
- Saturday, Jun. 5--Deadline for July Newsletter.
A reminder to all residents. Our monthly SRCA meetings are town hall type meetings in which we have a published agenda of items, and then take action those items. We meet in the Scripps Ranch Library at 7 pm every second Tuesday of the month. We hear reports from public officials and invited speakers, and then hear reports from standing committees and about activities planned and held.
All in all, it gives a complete rundown of what is happening on the Ranch and on which united community action is indicated. When community action is determined as needed, we assign a lead individual to head up the action along with a committee. They meet and prepare a Ranch position for presentation before governmental agencies.
We strive to always come up with not strictly opposition but with changes needed and a doable solution. It works. Throughout each meetings, time is included to ask specific questions and raise special topics, such as the time a resident proposed a fundraiser for fire relief. A special committee was formed to work with the resident on the project.
Of particular interest at the December meeting was the discussion of input to the city action to come up with a revised brush clearing policy that will work, as well as a proposed new set of construction guidelines. Time is included for input from residents and all district representatives are provided with copies of the minutes of the last meeting for their district, and also provided handouts on matters needed for dissemination and compliance.
It is democracy in action at the community level. Send in your membership application, and then come to a session and find out what part of our community actions and activities appeals to you. Become part of the action to continue making Scripps Ranch a fine community with a powerful, united, and effective political voice.