Scripps Ranch…What say you…

[DataAgent]

“Does anybody know if it’s possible to get fire insurance in this neighborhood?”

When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.

[sunny88]

[quote=SD Realtor]Hi Sunny

When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.

One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…

I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.

This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious. [/quote]

Thank you for your comments on this topic. In your opinion, has the fire hazard in Scripps Ranch, esp. south of Pomerado Rd. affected the resale value of homes?

[sunny88]

[quote=SD Realtor]Hi Sunny

When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.

One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…

I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.

This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious. [/quote]

Thank you for your comments on this topic. In your opinion, has the fire hazard in Scripps Ranch, esp. south of Pomerado Rd. affected the resale value of homes?

[sunny88]

[quote=SD Realtor]Hi Sunny

When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.

One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…

I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.

This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious. [/quote]

Thank you for your comments on this topic. In your opinion, has the fire hazard in Scripps Ranch, esp. south of Pomerado Rd. affected the resale value of homes?

[sunny88]

[quote=SD Realtor]Hi Sunny

When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.

One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…

I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.

This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious. [/quote]

Thank you for your comments on this topic. In your opinion, has the fire hazard in Scripps Ranch, esp. south of Pomerado Rd. affected the resale value of homes?

[sunny88]

[quote=SD Realtor]Hi Sunny

When I was in escrow I was able to get insured with State Farm. Also if it was impossible to get hazard insurance then the only sales you would see would be cash deals right? You cannot get financing if you cannot get hazard insurance.

One thing we should also clarify here is that the same holds true for many zip codes, especially Poway (92064), Rancho Bernardo (92127 seems like we are conveniently forgetting about all the homes that burned there recently), San Pasqual and Bear Valley (92025), places like Fallbrook, Ramona, Pine Valley, Julian, Lakeside, Tierra Santa…

I think it is almost easier to name communities that are NOT fire hazards then those that are fire hazards.

This is not to say Scripps is not a fire hazard and has not had homes burned. In 2003 it was a nightmare. South of Pomerado Road looked like it was nuked. Yet, San Diego county as a whole is nothing but chapparal and with the exception of the coast is prone to fire. It will only get worse as water becomes more precious. [/quote]

Thank you for your comments on this topic. In your opinion, has the fire hazard in Scripps Ranch, esp. south of Pomerado Rd. affected the resale value of homes?

[SD Realtor]

Sunny not sure of that answer. South of Pomerado has depreciated but more in line with other complementary areas as opposed to out of line due to the fire hazard. There was alot of stickiness there in 06 and 07 but 08 seemed like it started to crack and 09 is definitely continuing in that same manner. It is only my opinion but I don’t think it is any more of a factor then other subdivisions adjacent to open space. The same could be said for Stonebridge right? The east end of Stonebridge is basically Sycamore canyon and it seems to me a fire could come right down that sucker pretty easy in a Santa Ana, you know what I mean?

I think it is one of those things where anyone that would even consider buying a home adjacent to open space has already come to terms with a fire hazard. So I think the bulk of the job bringing down prices in that area of Scripps will simply be done by the economy/employment/real estate market in general.

[SD Realtor]

Sunny not sure of that answer. South of Pomerado has depreciated but more in line with other complementary areas as opposed to out of line due to the fire hazard. There was alot of stickiness there in 06 and 07 but 08 seemed like it started to crack and 09 is definitely continuing in that same manner. It is only my opinion but I don’t think it is any more of a factor then other subdivisions adjacent to open space. The same could be said for Stonebridge right? The east end of Stonebridge is basically Sycamore canyon and it seems to me a fire could come right down that sucker pretty easy in a Santa Ana, you know what I mean?

I think it is one of those things where anyone that would even consider buying a home adjacent to open space has already come to terms with a fire hazard. So I think the bulk of the job bringing down prices in that area of Scripps will simply be done by the economy/employment/real estate market in general.

[SD Realtor]

Sunny not sure of that answer. South of Pomerado has depreciated but more in line with other complementary areas as opposed to out of line due to the fire hazard. There was alot of stickiness there in 06 and 07 but 08 seemed like it started to crack and 09 is definitely continuing in that same manner. It is only my opinion but I don’t think it is any more of a factor then other subdivisions adjacent to open space. The same could be said for Stonebridge right? The east end of Stonebridge is basically Sycamore canyon and it seems to me a fire could come right down that sucker pretty easy in a Santa Ana, you know what I mean?

I think it is one of those things where anyone that would even consider buying a home adjacent to open space has already come to terms with a fire hazard. So I think the bulk of the job bringing down prices in that area of Scripps will simply be done by the economy/employment/real estate market in general.

[SD Realtor]

Sunny not sure of that answer. South of Pomerado has depreciated but more in line with other complementary areas as opposed to out of line due to the fire hazard. There was alot of stickiness there in 06 and 07 but 08 seemed like it started to crack and 09 is definitely continuing in that same manner. It is only my opinion but I don’t think it is any more of a factor then other subdivisions adjacent to open space. The same could be said for Stonebridge right? The east end of Stonebridge is basically Sycamore canyon and it seems to me a fire could come right down that sucker pretty easy in a Santa Ana, you know what I mean?

I think it is one of those things where anyone that would even consider buying a home adjacent to open space has already come to terms with a fire hazard. So I think the bulk of the job bringing down prices in that area of Scripps will simply be done by the economy/employment/real estate market in general.

[SD Realtor]

Sunny not sure of that answer. South of Pomerado has depreciated but more in line with other complementary areas as opposed to out of line due to the fire hazard. There was alot of stickiness there in 06 and 07 but 08 seemed like it started to crack and 09 is definitely continuing in that same manner. It is only my opinion but I don’t think it is any more of a factor then other subdivisions adjacent to open space. The same could be said for Stonebridge right? The east end of Stonebridge is basically Sycamore canyon and it seems to me a fire could come right down that sucker pretty easy in a Santa Ana, you know what I mean?

I think it is one of those things where anyone that would even consider buying a home adjacent to open space has already come to terms with a fire hazard. So I think the bulk of the job bringing down prices in that area of Scripps will simply be done by the economy/employment/real estate market in general.

[gn]

[quote=DataAgent]”Does anybody know if it’s possible to get fire insurance in this neighborhood?”

When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.
[/quote]

DataAgent, thanks for the information on fire insurance. So, would the following property be considered backing “up to open brush land” ?

http://www.sdlookup.com/MLS-090011246-10394_Rue_Riviere_Verte_San_Diego_Ca_92131

[gn]

[quote=DataAgent]”Does anybody know if it’s possible to get fire insurance in this neighborhood?”

When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.
[/quote]

DataAgent, thanks for the information on fire insurance. So, would the following property be considered backing “up to open brush land” ?

http://www.sdlookup.com/MLS-090011246-10394_Rue_Riviere_Verte_San_Diego_Ca_92131

[gn]

[quote=DataAgent]”Does anybody know if it’s possible to get fire insurance in this neighborhood?”

When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.
[/quote]

DataAgent, thanks for the information on fire insurance. So, would the following property be considered backing “up to open brush land” ?

http://www.sdlookup.com/MLS-090011246-10394_Rue_Riviere_Verte_San_Diego_Ca_92131

[gn]

[quote=DataAgent]”Does anybody know if it’s possible to get fire insurance in this neighborhood?”

When I looked at buying a house on Birch Bluff in 2007, I asked my State Farm guy the same question. He said as long the house didn’t back up to open brush land, he could write me pretty much a standard homeowners policy. If we buy a house that backs up to open brush land, it would “cost me.” And the was before the October 2007 fires. Didn’t matter anyway because my wife insisted we buy a house close to Mission Bay.
[/quote]

DataAgent, thanks for the information on fire insurance. So, would the following property be considered backing “up to open brush land” ?

http://www.sdlookup.com/MLS-090011246-10394_Rue_Riviere_Verte_San_Diego_Ca_92131

[Author]

Posts