You think you don't care about the insurance code? Think again. Some of the biggest piles of money you don't know you have are waiting for you there. All it takes is a quick read, and a call to your homeowners insurer.
Do this: take a piece of paper. Write down the word "vacant", and then write out a simple definition. Do the same for the word "unoccupied."
Go ahead. We'll wait. . . .
We haven't had occasion to use the phrase Jim Crow in a legal brief in years, but battling AAA (aka CSAA) over its insistence that our unmarried clients reveal their private communications has forced our hand.
Not long ago we wrote here that that AAA (aka CSAA) tried to get our clients, men living together for a very long time, to reveal their spousal communications. In other words, pillow talk. The good news is that in California the law says married people don't have to reveal pillow talk. The bad news is people like my clients could not get married until pretty recently.
Say you own a home in a marginal neighborhood. Your family has been there for many years and you love it. But the area has seen better days and property values are on the low side. In that case—and also if you own a home where forest fires are a problem—you may have trouble finding regular homeowners insurance.