In San Carlos, California, a couple is battling an insurance nightmare after their homeowners’ policy was abruptly canceled due to a nearly 500-year-old oak tree on their property. The couple, Liz Heieck-Toms and Will Heieck-Toms, have lived in their home for 32 years and have worked diligently to maintain the historic tree, which they consider a cherished part of their property. However, their commitment to preserving this piece of natural history has now put them in a difficult position with their insurance company, Safeco.
The Tree That Sparked the Controversy
The oak tree, estimated to be around 480 years old, has been a central feature of the Heieck-Toms’ backyard for decades. “We really consider ourselves the custodians of this tree,” Liz said, emphasizing their dedication to its care. Her husband Will added, “When we got here, this tree canopy was literally over the top of the house. We’ve taken probably 40-50% of this tree away,” demonstrating their efforts to manage the tree responsibly.
The Unanticipated Insurance Cancellation
The trouble began when the Heieck-Toms received an unexpected email from their insurance broker, informing them that Safeco, a subsidiary of Liberty Mutual, had decided not to renew their policy. The reason given was the canopy of the oak tree hanging over their house, verified by aerial photography that the couple had not been informed about. “I just am discouraged and frustrated by the lack of courtesy and understanding from a company on something that is almost 500 years old,” Will expressed.
The Lack of Transparency and Communication
The Heieck-Toms, who had been loyal customers of Safeco for 20 years, were shocked by the decision. They had not received any notice of the aerial inspection, nor had they been provided with the photos that led to the policy cancellation. Will voiced his frustration, saying, “Come knock on my door. I’m happy to sit down and have a conversation with the company. If they want to have that right, that’s their right and I appreciate that right. I just don’t appreciate it being so unilateral in its nature.”
The Growing Use of Aerial Technology in Insurance
Carmen Belber, Executive Director of Consumer Watchdog, a nonprofit consumer advocacy organization, highlighted that this situation is becoming increasingly common as insurance companies rely more on aerial technology to assess properties. “We are seeing exponential growth in the use of aerial technology and other technology, all of which are owned by third parties that consumers have very little access to, to price and make sales decisions about home insurance,” Belber explained. She emphasized the need for transparency in how these technologies are used.
The Challenge of Finding New Insurance
As the Heieck-Toms scramble to find a new insurance provider, they are finding the process to be both challenging and expensive. Despite not living in a flood or fire zone, the couple has struggled to find a comparable policy. Will shared that one quote they received offered half the amount of coverage at nearly three times the price. The couple is considering their last resort, the California FAIR plan, which is known for its limited benefits and high costs.
The Broader Implications for Homeowners
Belber advises homeowners in similar situations to act quickly, request the photos or data the insurer used to make their decision, and challenge inaccuracies. “Go back to the home insurance company, ask where they’re getting their information, correct them if they’re wrong – which happens frequently – and ask them if there is anything that you can do to keep your policy,” she recommended.
Fighting Back and Seeking Solutions
The Heieck-Toms are determined not to give up without a fight. They have requested the images from Safeco but have yet to receive them. In the meantime, they are exploring every possible avenue, including reaching out to the California State Commissioner and local authorities. “We’re going to work every angle we can to get somebody to pay attention to this problem,” Will said.
The Potential Cost of Removing the Tree
The couple also faces the heartbreaking possibility of having to remove the oak tree if they cannot resolve the insurance issue. Will estimated that removing the tree could cost north of $40,000. “I just plead to the insurance industry to not be so black and white. Take some consideration for the heritage of trees and the environment, and how they’re impacting that and maybe swinging the needle a little too far before they make these, what I would consider to be bureaucratic decisions,” he urged.
“Technology Was Supposed To Make Our Lives Easier”
People in the comments shared their thoughts: “My neighbor here in Hercules CA just got his home owners insurance cancelled because the insurance company (Liberty) said he had algea on his cement tile roof. The roof is only two years old with no algea. lnsurance companies are doing everything they can to cancel you these days.”
Another commenter said: “Technology was supposed to make our lives easier. Instead it’s made them more difficult.”
One person added: “I say we cancel all a policy’s and make these companies go bankrupt.”
The Larger Debate on Insurance Practices
This situation raises broader questions about the use of technology in insurance decisions and the balance between protecting property and preserving heritage. As more homeowners face similar challenges, there is growing pressure on insurers and regulators to ensure that these decisions are made transparently and fairly.
More Stringent Regulations
What do you think? Is it fair for insurance companies to make unilateral decisions based on aerial technology without prior notification or discussion with the homeowner? Should there be more stringent regulations on how insurance companies use technology to assess property risks, especially when the decisions have significant financial and emotional impacts on homeowners? How can homeowners protect themselves from unexpected policy cancellations due to factors beyond their control, such as natural features of their property?
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