Many homes were damaged or destroyed in the fires in San Diego.

If you are one of these homeowners and your home was on the market FOR SALE, you might be in a good situation with your insurance claim.

Read more here on how your real estate agent can help.

Buyer and sellers - you may already have heard, but do to the fires here in San Diego County there in a moratorium by the insurance comapnies on writing new policies on homes that are being sold. This will be temporary but I learned about this yesterday. This also happened after the fires 4 years ago,

If your home is in escrow and closing is imminent, or you are buying a home that is due to close, please check with your insurance provider right away. Escrow cannot close if you cannot provide proof of homeowner's insurance, which I expect you already know.

I understand that California Fair Plan will write policies but these are not comprehensive and you would want to get a better policy after closing occurs.

I have also heard, though, that the moratorium MAY be lifted n Monday since they are making progress with the fires, so the impact may be minimized. We will see.

One thing for sure, rates are going to change in many areas of San Diego, and we may see some policies get canceled, or insurers may decline to insure in certain areas.

BTW if you need an insurance broker here in the San Diego area, please let me know.

I hope you are all well and safe if you are in this area.