California's insurance Crisis

Is Your Home at Risk of Losing Insurance Coverage?

Insurance companies across California, including in Santa Barbara and San Luis Obispo counties.  They are quietly using advanced satellite and drone technology to inspect your home—without your knowledge. They’re scanning for maintenance issues that could jeopardize your coverage, and many homeowners don’t realize there’s a problem until they receive a non-renewal notice in the mail. What happens next? Scrambling for new coverage—often at a much higher price—or being forced into California’s FAIR Plan, which, when you look at the coverage, is not very fair at all.

How much a cancellation will cost you is insane!

If your policy is canceled, the financial impact can be significant. Many homeowners are forced into high-cost, limited-coverage plans like the California FAIR Plan, which often costs 5–6 times more than a standard insurance policy. For a homeowner paying $1,500 annually for homeowners insurance, that could mean $7,500–$9,000 per year in premiums, with less protection. On top of that, supplemental policies are often required to cover liability or flood/water damage coverage, costing you even more money! For homeowners with a mortgage, lenders require continuous coverage, making these high premiums both unavoidable and recurring. 

What Are Insurance Companies Looking For?

- Overgrown Vegetation: Untrimmed trees, shrubs, or weeds that increase wildfire risk.

- Damaged Roofs: Missing shingles, leaks, or deterioration.

- Peeling Paint or Rotting Wood: Signs of neglect that can lead to water or structural damage.

- Clogged Gutters or Poor Drainage: Risks of flooding or water damage.

- Debris or Clutter: Piles of junk or firewood stored too close to the home.

Even small maintenance issues can flag your property as high risk. And with technology capable of providing high-resolution images of your roof, yard, and exterior, nothing goes unnoticed.

What Does This Mean for You?

If your home is flagged, your insurer may:

- Send a non-renewal notice, forcing you to find new coverage quickly.

- Recommend repairs that must be completed to reinstate coverage.

- Leave you with no option but the FAIR Plan—a last-resort insurance program with skyrocketing premiums and limited coverage.

- Replacing your insurance often means higher premiums, stricter terms, and less flexibility, making home maintenance essential to protecting your financial future.

Here’s the truth: 

Insurance companies are looking for reasons to drop high-risk properties, and they’re getting more sophisticated about finding them.  Thankfully your local insurance broker IS ON YOUR SIDE! They want to keep you as a client for many reasons which is why SunSweeper is working with many local insurance representatives to address their clients issues as quickly as possible to provide much needed stress relief to their clients.

Protect Your Home, Your Policy, and Your Wallet

At SunSweeper, we help homeowners stay ahead of insurance inspections with professional property maintenance services. From roof cleaning to clearing overgrown vegetation, we’ll ensure your home looks great from the ground—and from the sky.

DON'T WAIT FOR A NON-RENEWAL NOTICE to take action. Schedule an inspection today and let us help you keep your coverage intact. Together, we’ll make sure your home is ready for any inspection, whether it’s by satellite, drone, or in-person.

Call us today or request a free quote online.