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Date: Thu, 5 Jun 2025 12:38:11 -0400 (EDT)
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Subject: =?utf-8?Q?Having_Trouble_Navigating_California=E2=80=99s_Insuran?=
 =?utf-8?Q?ce_Crisis=3F_Kern_Insurance_Associates_Can_Help!?=
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Email from Apartment News Publications LIVE @ 11 AM PDT Join us for importa=
nt updates concerning California=E2=80=99s Insurance Crisis with the expert=
s from Kern Insurance Associates. Out-dated insurance regulations in Califo=
rnia have negatively impacted today's insurance market. Lengthy rate approv=
als and restrictions preventing pricing to risk have presented unsurmountab=
le challenges for many California insurance carriers. In addition, wildfire=
s have burned millions of acres of forests and destroyed tens of thousands =
of homes in California over the past several years. At a time when it=E2=80=
=99s more vital than ever for property owners to have adequate insurance co=
verage, many carriers have decided to no longer insure homes in certain par=
ts of the state, while others have left the property insurance market here =
in California altogether. Just recently, California Insurance Commissioner,=
 Ricardo Lara, announced the launch of what has been described as a =E2=80=
=9Cfirst of its kind=E2=80=9D catastrophe modeling and ratemaking regulatio=
n as part of his so-called =E2=80=9CSustainable Insurance Strategy=E2=80=9D=
 to increase coverage in wildfire-distressed areas of the state. This new r=
egulation is supposed to allow homeowners and businesses to see greater ava=
ilability of insurance coverage, market stability, and recognition for wild=
fire safety through use of catastrophe modeling. Join us for this important=
 webinar discussing the state of the California insurance market, coverage =
options that exist, and how much insurance coverage may cost you today and =
in the future. =EF=BB=BF WEBINAR DISCUSSION TOPICS INCLUDE: The current sta=
tus of California habitational insurance and the what, why, and how on prem=
iums, availability, and coverages. Tips on having an insurance policy, and =
how to be a =E2=80=9Cgood insured=E2=80=9D policy holder. Available insuran=
ce only through KERN Insurance Associates. What to expect when you renew yo=
ur policy=E2=80=A6insurance availability, increasing premiums and reduced c=
overages. Why are insurance rates increasing? Some problems: Reinsurance Ra=
tes, Claims, California Department of Insurance What you can do to deal wit=
h today=E2=80=99s marketplace challenges=E2=80=A6Learn what you can do to a=
ct on what you can control. Surplus lines and non-admitted carriers can sav=
e money, but do they carry risks? What about the California Fair Plan? The =
need for proper risk management, good support system, and knowledgeable ins=
urance expertise. THURSDAY, JUNE 5TH @ 11 AM PDT GUEST SPEAKER: Joe Naworsk=
i, Managing Partner, Kern Insurance. Accomplished insurance professional wi=
th 30+ years of experience in the industry. He has established himself as a=
 trusted advisor for clients seeking expert guidance on insurance policies,=
 underwriting, and risk management. His experience has been vital to his su=
ccess as the Managing Partner at Kern Insurance Associates, a PCF partner. =
For more information, call Mr. Naworski at (844) 444-5376 or go to www.Kern=
.com. Presented by: =E2=80=8A CONTACT US TO LEARN MORE ABOUT SPONSORSHIP OP=
PORTUNITIES! Apartment News Publications | 1973 Foothill Pkwy Suite #404 | =
Corona, CA 92881 US Unsubscribe | Update Profile | Constant Contact Data No=
tice
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table>  </td> </tr> </table> <table class=3D"layout layout--1-column" style=
=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"wi=
dth: 100%;" align=3D"center" valign=3D"top"> <table class=3D"text text--pad=
ding-vertical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-cell con=
tent-padding-horizontal" style=3D"text-align: left; font-family: Arial,Verd=
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; display: block; word-wrap: break-word; padding: 10px 20px;" align=3D"left=
" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"font-size: 16px; font-weight: bold; =
font-style: italic; color: rgb(35, 35, 35);">Join us for important updates =
concerning California&#x2019;s Insurance Crisis with the experts from Kern =
Insurance Associates.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helv=
etica, sans-serif;">Out-dated insurance regulations in California have nega=
tively impacted today's insurance market. Lengthy rate approvals and restri=
ctions preventing pricing to risk have presented unsurmountable challenges =
for many California insurance carriers. In addition, wildfires have burned =
millions of acres of forests and destroyed tens of thousands of homes in Ca=
lifornia over the past several years. At a time when it&#x2019;s more vital=
 than ever for property owners to have adequate insurance coverage, many ca=
rriers have decided to no longer insure homes in certain parts of the state=
, while others have left the property insurance market here in California a=
ltogether.</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helv=
etica, sans-serif;">Just recently, California Insurance Commissioner, Ricar=
do Lara, announced the launch of what has been described as a &#x201c;first=
 of its kind&#x201d; catastrophe modeling and ratemaking regulation as part=
 of his so-called &#x201c;Sustainable Insurance Strategy&#x201d; to increas=
e coverage in wildfire-distressed areas of the state. This new regulation i=
s supposed to allow homeowners and businesses to see greater availability o=
f insurance coverage, market stability, and recognition for wildfire safety=
 through use of catastrophe modeling.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0);">Join us for this important webin=
ar discussing the state of the California insurance market, coverage option=
s that exist, and how much insurance coverage may cost you today and in the=
 future. </span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 13px; color: black; font-family: Arial, Verdana, Helvetica, =
sans-serif;">&#xfeff;</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 16px; color: rgb(0, 0, 0); font-weight: bold;">WEBINAR DISCU=
SSION TOPICS INCLUDE:</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">The current status of California habitational insurance and the=
 what, why, and how on premiums, availability, and coverages.</span></li></=
ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Tips on having an insurance policy, and how to be a &#x201c;goo=
d insured&#x201d; policy holder.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Available insurance only through KERN Insurance Associates.</sp=
an></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">What to expect when you renew your policy&#x2026;insurance avai=
lability, increasing premiums and reduced coverages.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Why are insurance rates increasing? Some problems: Reinsurance =
Rates, Claims, California Department of Insurance</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">What you can do to deal with today&#x2019;s marketplace challen=
ges&#x2026;Learn what you can do to act on what you can control.</span></li=
></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Surplus lines and non-admitted carriers can save money, but do =
they carry risks? What about the California Fair Plan?</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0);"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">The need for proper risk management, good support system, and k=
nowledgeable insurance expertise.</span></li></ul>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stac=
k" style=3D"width: 100%;" align=3D"center" valign=3D"top">  <table class=3D=
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rd;"> <tr> <td class=3D"button_container content-padding-horizontal" style=
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lass=3D"button_content-cell button_link" style=3D"background-color: #094f85=
; border-radius: 10px; font-size: 22px; width: inherit; border-spacing: 0; =
max-width: 100%; color: #FFFFFF; font-family: Arial,Verdana,Helvetica,sans-=
serif; word-wrap: break-word; text-decoration: none; padding: 10px 40px; bo=
rder-style: none;" align=3D"center" bgcolor=3D"#094f85"> <a class=3D"button=
_link" href=3D"https://5bua7ncab.cc.rs6.net/tn.jsp?f=3D001RYijURG0z4Wc_RLaO=
hOu_zi3_W2d_0Y9pibOB8giN9zEg-ap0t6Q_CI11HQUfxWUsh3ROWZ1ZD2Eu2aLL6buSf_NjuPH=
m3elkDPQeY6GTN93p-Xv1TT53VbiPaN1PpzMGHP8hCJvNmz854Mz4P4pVI4Yl1Xgt5TtCQ00NXf=
_5bfgbhig2RoBcw=3D=3D&c=3D_sQIBsNUBUEH5lBfw1XHffFq-j5PivNWMw9HUiTewV4ejiMhg=
i5drg=3D=3D&ch=3DCEOomqo6-CD-xJ4KbojydT0CFOd8vTqgP4IQ3S__ZI-lbDbqij9XiA=3D=
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nt-weight: bold; color: #FFFFFF; font-family: Arial,Verdana,Helvetica,sans-=
serif; word-wrap: break-word; text-decoration: none;">THURSDAY, JUNE 5TH @ =
11 AM PDT</a> </td> </tr> </table> </td> </tr> </table>     <table class=3D=
"text text--padding-vertical" width=3D"100%" border=3D"0" cellpadding=3D"0"=
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ontent-cell content-padding-horizontal" style=3D"text-align: left; font-fam=
ily: Arial,Verdana,Helvetica,sans-serif; color: #575757; font-size: 12px; l=
ine-height: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;=
" align=3D"left" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"font-size: 16px; color: rgb(35, 35, =
35); font-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif;=
">GUEST SPEAKER:&#xa0;</span><span style=3D"font-size: 17px; color: rgb(0, =
0, 0); font-weight: bold; font-style: italic;">Joe Naworski, Managing Partn=
er, Kern Insurance.</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"color: rgb(0, 0, 0); font-size: 15px; font-style: italic;">Accomplished=
 insurance professional with 30+ years of experience in the industry. He ha=
s established himself as a trusted advisor for clients seeking expert guida=
nce on insurance policies, underwriting, and risk management. His experienc=
e has been vital to his success as the Managing Partner at Kern Insurance A=
ssociates, a PCF partner. For more information, call Mr. Naworski at (844) =
444-5376 or go to www.Kern.com.</span></p>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--h=
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mn--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> =
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llpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td =
class=3D"text_content-cell content-padding-horizontal" style=3D"text-align:=
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ont-size: 12px; line-height: 1.2; display: block; word-wrap: break-word; pa=
dding: 10px 20px;" align=3D"center" valign=3D"top"><h1 style=3D"font-family=
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height: 1.2; display: block; word-wrap: break-word; padding: 0px;" align=3D=
"center"> <a href=3D"https://5bua7ncab.cc.rs6.net/tn.jsp?f=3D001RYijURG0z4W=
c_RLaOhOu_zi3_W2d_0Y9pibOB8giN9zEg-ap0t6Q_AuVys6BoppZH_DWYkiCPIOYhXK131Fwtm=
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Bfw1XHffFq-j5PivNWMw9HUiTewV4ejiMhgi5drg=3D=3D&ch=3DCEOomqo6-CD-xJ4KbojydT0=
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or: #FF7200; font-weight: normal; text-decoration: underline; font-style: n=
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