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cabal
ParticipantSD R – I don’t know if you agree, but my current belief is that the lowest price home you’ll ever see in the Bougainvillea tract is 1.5M-1.6M via foreclosure. New in 2003, they started at about 1.3M. Some people I’ve talk to are more pessimistic thinking prices may drop below 1.4M due to lack of demand/buyers. I have a hard time envisioning these homes that cheap. It would wipe out the tracts down the hill like Lexington to under 1M!
Regarding freeway noise, you can literally stand on the edge of the bluff directly facing 56 and the noise is almost non discernible. Wind is also normal, unlike the most westerly, elevated CV tracts facing 5.
cabal
ParticipantSD R – I don’t know if you agree, but my current belief is that the lowest price home you’ll ever see in the Bougainvillea tract is 1.5M-1.6M via foreclosure. New in 2003, they started at about 1.3M. Some people I’ve talk to are more pessimistic thinking prices may drop below 1.4M due to lack of demand/buyers. I have a hard time envisioning these homes that cheap. It would wipe out the tracts down the hill like Lexington to under 1M!
Regarding freeway noise, you can literally stand on the edge of the bluff directly facing 56 and the noise is almost non discernible. Wind is also normal, unlike the most westerly, elevated CV tracts facing 5.
cabal
ParticipantSD R – I don’t know if you agree, but my current belief is that the lowest price home you’ll ever see in the Bougainvillea tract is 1.5M-1.6M via foreclosure. New in 2003, they started at about 1.3M. Some people I’ve talk to are more pessimistic thinking prices may drop below 1.4M due to lack of demand/buyers. I have a hard time envisioning these homes that cheap. It would wipe out the tracts down the hill like Lexington to under 1M!
Regarding freeway noise, you can literally stand on the edge of the bluff directly facing 56 and the noise is almost non discernible. Wind is also normal, unlike the most westerly, elevated CV tracts facing 5.
cabal
ParticipantSD R – I don’t know if you agree, but my current belief is that the lowest price home you’ll ever see in the Bougainvillea tract is 1.5M-1.6M via foreclosure. New in 2003, they started at about 1.3M. Some people I’ve talk to are more pessimistic thinking prices may drop below 1.4M due to lack of demand/buyers. I have a hard time envisioning these homes that cheap. It would wipe out the tracts down the hill like Lexington to under 1M!
Regarding freeway noise, you can literally stand on the edge of the bluff directly facing 56 and the noise is almost non discernible. Wind is also normal, unlike the most westerly, elevated CV tracts facing 5.
cabal
ParticipantSD R – I don’t know if you agree, but my current belief is that the lowest price home you’ll ever see in the Bougainvillea tract is 1.5M-1.6M via foreclosure. New in 2003, they started at about 1.3M. Some people I’ve talk to are more pessimistic thinking prices may drop below 1.4M due to lack of demand/buyers. I have a hard time envisioning these homes that cheap. It would wipe out the tracts down the hill like Lexington to under 1M!
Regarding freeway noise, you can literally stand on the edge of the bluff directly facing 56 and the noise is almost non discernible. Wind is also normal, unlike the most westerly, elevated CV tracts facing 5.
cabal
ParticipantAggregate unemployment numbers lack sufficient granularity to provide any useful insight. The linked data is not perfect, but look at the disparity between cities like Del Mar (5%) versus Escondido (10.5%). This is one reason why high end areas exhibit sticky prices, especially older established neighborhoods with limited new construction during the bubble years.
http://www.sandiegoatwork.com/pdf/lmi/unemployment_stats/dec09_subregion.pdf
cabal
ParticipantAggregate unemployment numbers lack sufficient granularity to provide any useful insight. The linked data is not perfect, but look at the disparity between cities like Del Mar (5%) versus Escondido (10.5%). This is one reason why high end areas exhibit sticky prices, especially older established neighborhoods with limited new construction during the bubble years.
http://www.sandiegoatwork.com/pdf/lmi/unemployment_stats/dec09_subregion.pdf
cabal
ParticipantAggregate unemployment numbers lack sufficient granularity to provide any useful insight. The linked data is not perfect, but look at the disparity between cities like Del Mar (5%) versus Escondido (10.5%). This is one reason why high end areas exhibit sticky prices, especially older established neighborhoods with limited new construction during the bubble years.
http://www.sandiegoatwork.com/pdf/lmi/unemployment_stats/dec09_subregion.pdf
cabal
ParticipantAggregate unemployment numbers lack sufficient granularity to provide any useful insight. The linked data is not perfect, but look at the disparity between cities like Del Mar (5%) versus Escondido (10.5%). This is one reason why high end areas exhibit sticky prices, especially older established neighborhoods with limited new construction during the bubble years.
http://www.sandiegoatwork.com/pdf/lmi/unemployment_stats/dec09_subregion.pdf
cabal
ParticipantAggregate unemployment numbers lack sufficient granularity to provide any useful insight. The linked data is not perfect, but look at the disparity between cities like Del Mar (5%) versus Escondido (10.5%). This is one reason why high end areas exhibit sticky prices, especially older established neighborhoods with limited new construction during the bubble years.
http://www.sandiegoatwork.com/pdf/lmi/unemployment_stats/dec09_subregion.pdf
February 26, 2010 at 6:28 PM in reply to: Need help obtaining homeowners insurance for Poway / Scripps Ranch area #518694cabal
Participant[quote=Raybyrnes]Cabal
“My experience with Travelers so far has been great.”Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?
Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?[/quote]
I’ve had one claim with Travelers associated with the 2007 fires and none with the previous carrier. Damage was mostly collateral – smoke, half inch of ash everywhere, broken fence, snapped trees and thrashed landscaping. Initially, I didn’t file a claim, repaired the fence myself one weekend, vacuumed the pool / drain water / clean filter another weekend. After 2 weeks I threw in the towel as there was still tons of ash in the yard, roof, garage and attic, plus all the landscape damage.
I called on a weekday and 2 adjusters showed up the next day. I wasn’t home, so my wife showed them the house. My deductible was high, so I was just hoping for a few bucks to buy windex, a mop, and some plants from Home Depot. When I came home that night, there was a check sitting on my kitchen table large enough to buy a car. When policy renewal approached, I was expecting a cancellation notice. Instead, I received a renewal offer with a decrease to the premium. I couldn’t believe it – did I accidentally blow the CEO of Travelers or what?
February 26, 2010 at 6:28 PM in reply to: Need help obtaining homeowners insurance for Poway / Scripps Ranch area #518836cabal
Participant[quote=Raybyrnes]Cabal
“My experience with Travelers so far has been great.”Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?
Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?[/quote]
I’ve had one claim with Travelers associated with the 2007 fires and none with the previous carrier. Damage was mostly collateral – smoke, half inch of ash everywhere, broken fence, snapped trees and thrashed landscaping. Initially, I didn’t file a claim, repaired the fence myself one weekend, vacuumed the pool / drain water / clean filter another weekend. After 2 weeks I threw in the towel as there was still tons of ash in the yard, roof, garage and attic, plus all the landscape damage.
I called on a weekday and 2 adjusters showed up the next day. I wasn’t home, so my wife showed them the house. My deductible was high, so I was just hoping for a few bucks to buy windex, a mop, and some plants from Home Depot. When I came home that night, there was a check sitting on my kitchen table large enough to buy a car. When policy renewal approached, I was expecting a cancellation notice. Instead, I received a renewal offer with a decrease to the premium. I couldn’t believe it – did I accidentally blow the CEO of Travelers or what?
February 26, 2010 at 6:28 PM in reply to: Need help obtaining homeowners insurance for Poway / Scripps Ranch area #519268cabal
Participant[quote=Raybyrnes]Cabal
“My experience with Travelers so far has been great.”Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?
Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?[/quote]
I’ve had one claim with Travelers associated with the 2007 fires and none with the previous carrier. Damage was mostly collateral – smoke, half inch of ash everywhere, broken fence, snapped trees and thrashed landscaping. Initially, I didn’t file a claim, repaired the fence myself one weekend, vacuumed the pool / drain water / clean filter another weekend. After 2 weeks I threw in the towel as there was still tons of ash in the yard, roof, garage and attic, plus all the landscape damage.
I called on a weekday and 2 adjusters showed up the next day. I wasn’t home, so my wife showed them the house. My deductible was high, so I was just hoping for a few bucks to buy windex, a mop, and some plants from Home Depot. When I came home that night, there was a check sitting on my kitchen table large enough to buy a car. When policy renewal approached, I was expecting a cancellation notice. Instead, I received a renewal offer with a decrease to the premium. I couldn’t believe it – did I accidentally blow the CEO of Travelers or what?
February 26, 2010 at 6:28 PM in reply to: Need help obtaining homeowners insurance for Poway / Scripps Ranch area #519362cabal
Participant[quote=Raybyrnes]Cabal
“My experience with Travelers so far has been great.”Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?
Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?[/quote]
I’ve had one claim with Travelers associated with the 2007 fires and none with the previous carrier. Damage was mostly collateral – smoke, half inch of ash everywhere, broken fence, snapped trees and thrashed landscaping. Initially, I didn’t file a claim, repaired the fence myself one weekend, vacuumed the pool / drain water / clean filter another weekend. After 2 weeks I threw in the towel as there was still tons of ash in the yard, roof, garage and attic, plus all the landscape damage.
I called on a weekday and 2 adjusters showed up the next day. I wasn’t home, so my wife showed them the house. My deductible was high, so I was just hoping for a few bucks to buy windex, a mop, and some plants from Home Depot. When I came home that night, there was a check sitting on my kitchen table large enough to buy a car. When policy renewal approached, I was expecting a cancellation notice. Instead, I received a renewal offer with a decrease to the premium. I couldn’t believe it – did I accidentally blow the CEO of Travelers or what?
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