Hessler Insurance Solutions

11/04/2025

This whole illegal alien commercial driver situation is baffling to me. In order to insure a commercial driver, he has to be 25, have two years experience and a pretty clean driving record. Which means most of these drivers are uninsured. You know the ones that own the vehicles are uninsured. And even if they lied to get insurance, the insurance company won't honor the policy. I am personally glad that the Trump administration is on this. They need to widen the dragnet nationwide.

10/02/2025

Now that ANTIFA is a designated Terrorist Organization, you may have an issue if there is a riot organized by ANTIFA. If your business is burned down in Portland, is it due to terror? Is so, do you have coverage for terrorism. Ask your agent.

05/22/2025

The bombing in Palm Springs brings out a very troubling issue. In order to increase penalties and sentences, prosecutors continue to push for labels to crime such "hate crimes" or "terror attack". But terrorism is an optional coverage is insurance policies that few customers purchase in these times of high insurance rates. Customers must rethink this exposure. If your property gets destroyed, for example, as collateral damage by a radical Muslim that bombs a nearby Christian Church, the insurance company may not rebuild your property.
The Palm Springs bombing was a weirdo that believed humans should not procreate. Nothing was gained by calling it a terror attack since the perpetrator blew himself up. But the fertility clinic does not have insurance now that the "t" word was used.

02/25/2025

And this is why I tell you to take pictures of every room, closet and drawer. The paperwork to detail all your belongings is 30 pages long. And you have to rely on your memory after enduring one of the most tragic and stressful events of your lifetime.

Ambassador Ric Grenell asked for a meeting with State Farm CEO over the insurance company's conduct in the L.A. fires.

02/19/2025

It's happening. Those of us in the Fair Plan, including myself, will be picking up the tab from the recent fires because the Fair Plan has been undercharging, especially commercial clients. They also only bought $2 billion of reinsurance. chrome-extensio://efaidnbmnnnibpcajpcglclefindmkaj/file:///C:/Users/thisi/Downloads/Bulletin%202025-4%20Updated%20Guidance%20regarding%20Insurer%20Recoupment%20Procedures%20in%20Response%20to%20Assessment%20by%20the%20FAIR%20Plan.pdf

01/21/2025

Still a bleak outlook. Rates may go up 30% to 50% over the next two years.https://ktla.com/news/california/wildfires/can-californias-broken-homeowners-insurance-system-be-fixed/?utm_source=facebook.com&utm_campaign=socialflow&utm_medium=referral&fbclid=IwY2xjawH81I5leHRuA2FlbQIxMAABHXsdOJ5Khl8uZuYUs3PotIWX_UQlMQ4TcL5it8_ygC22QyaxHkAOM661Fw_aem_vdawjkkfQAPrwiMwloa6zA

01/13/2025

I have posted this before. I was watching ABC World News Tonight and they were interviewing people that were evacuating from the fires. They were making some really dumb mistakes (like packing wide screen TVs), assuming they have insurance. If you don't have insurance, leave this page immediately. Not only do I have 40 years experience in the insurance business, I have evacuated twice.
If you are in a hazardous area tonight, these are the things you do right now.
1. Take cell phone pictures of everything in every room in your house. Not just your furniture. Open every drawer, every closet, every nook and cranny. Videos are easiest.
2. Plug in your cell phone and leave it plugged in. You never know when you will lose power. Also plug in any additional power sources you own including your laptop, tablet and auxiliary.
3. Locate your insurance, life and auto policies, and all other important papers: passports, birth and wedding certificates, etc.
4. Family pictures, movies and other memorabilia.
Put everything in a box ready to take. These are the items you take if you have minutes to leave. Don't forget to unplug and take the chargers with you.
If you have advance notice, here is what I suggest.
Take the things that are probably not insured properly:
Jewelry
Fi****ms
Antiques
Artwork
Things to ignore:
Wide Screen TVs
PCs, assuming you have a cloud back up. If not, back up to jump drive.
TVs, PCs and other electronics will be replaced by superior products. Don't waste the time and space to store them.
Your homeowners insurance will reimburse you for hotel, meals, toiletries, even clothes. Don't worry about a lot of that unless you have unlimited space and time.
You will lose power if you are in an evacuated area. If you have the time, pack an ice chest of your freezer meats. Those meats will thaw and create a health hazard that will require lots of gloves, masks and bleach. Freeze a glass of water, put a quarter on the ice. If you come home to the quarter frozen in the bottom of the glass you know everything will have to be thrown out. If it was a prolonged evacuation, the trail of blood and other meat juices across your kitchen floor will also be a clue you cannot ignore.
Above all, don't take unnecessary risks. If you are in a remote area with limited road access, don't wait. Roads get blocked and people lose lives because too many people waited until it was too late.
Stay safe. Feel free to share.

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01/09/2025

Yes, it IS the politicians fault. The government trying to control the marketplace.

A California law passed in 1988 and its regulations play a significant role in why insurance companies are fleeing the state, experts say.

01/08/2025

Here is a unique take on the home insurance issues plaguing CA. Many of the homes in Pacific Palisades are not insured, or are very underinsured. I have a client there that only has $3m of coverage on a $15m home.

Democrat-run California caused insurance companies to cancel many of their fire insurance policies -- including in Pacific Palisades.

08/01/2024

Insurance Commissioner Lara has been under a lot of pressure to do something about property insurance. The press release was a lot of PR. He is allowing the Fair Plan to expand limits and access. We won't know anything concrete for four months.

07/30/2024

And it reflects in your insurance rates. https://ktla.com/news/california/these-are-the-most-stolen-cars-in-california-u-s/?utm_source=facebook.com&utm_medium=referral&utm_campaign=socialflow&fbclid=IwY2xjawEWPoNleHRuA2FlbQIxMAABHWQ7QQ5bxL4WGqyYKnvY59oi_SDByRRjkYUxHTCtqVdV-Oq9fn0PHztShQ_aem_U0foGLfJd6ve2yyuqs5tmw

A recent report has identified the most stolen vehicles in the United States. The National Insurance Crime Bureau (NICB) investigation says that over 1 million motor vehicles were stolen last year,…

07/15/2024

AmGuard, a Berkshire Hathaway Company, left California this year. They just revealed they will stop writing personal lines coverage in all the USA. They didn't make that decision because they were making too much money. Expect insurance premiums to continue to increase until they get inflation under control.