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Date: Tue, 5 Aug 2025 12:38:26 -0400 (EDT)
From: Apartment News <newsletter@aptnewsinc.ccsend.com>
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Subject: =?utf-8?Q?Update:_Navigating_California=E2=80=99s_Insurance_Crisis=3F_?=
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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. Welcome to the California Insurance Crisi=
s=E2=80=A6Insurance carriers have pulled back from California=E2=80=99s hom=
e and property insurance market due to ongoing wildfire risks and soaring c=
onstruction costs. As a result, many insurers have stopped writing new poli=
cies in California, the nation=E2=80=99s most populous state. During the pa=
st two years, State Farm, for example, announced it would stop accepting ap=
plications for all California business and personal coverage lines of prope=
rty and casualty insurance, citing inflation, a challenging reinsurance mar=
ket and =E2=80=9Crapidly growing catastrophe exposure. More recently, State=
 Farm has applied for double-digit rate increases. Just recently, Californi=
a Insurance Commissioner, Ricardo Lara, announced the launch of what has be=
en described as a =E2=80=9Cfirst of its kind=E2=80=9D catastrophe modeling =
and ratemaking regulation as part of his so-called =E2=80=9CSustainable Ins=
urance Strategy=E2=80=9D to increase coverage in wildfire-distressed areas =
of the state. This new regulation is supposed to allow homeowners and busin=
esses to see greater availability of insurance coverage, market stability, =
and recognition for wildfire safety through use of catastrophe modeling. =
=EF=BB=BF WEBINAR DISCUSSION TOPICS INCLUDE: The status of the California i=
nsurance market, including trends we are seeing with premiums, availability=
, and coverage. Tips on having an insurance policy, and how to be a =E2=80=
=9Cgood insured=E2=80=9D policy holder. Proprietary coverage options availa=
ble only through KERN Insurance Associates. What to expect when you renew y=
our policy=E2=80=A6insurance availability, increasing premiums and reduced =
coverages. How to read your policy =E2=80=93 what to look for. What you can=
 do to deal with today=E2=80=99s marketplace challenges=E2=80=A6Learn what =
you can do to act on what you can control. Surplus lines and non-admitted c=
arriers can save money, but do they carry risks? What about the California =
Fair Plan? And, of course, much more! Live Q&A throughout the presentation =
to get your questions answered TUESDAY, AUGUST 5TH @ 11 AM PDT GUEST SPEAKE=
R: Joe Naworski, Managing Partner, Kern Insurance. Accomplished insurance p=
rofessional with 30+ years of experience in the industry. He has establishe=
d himself as a trusted advisor for clients seeking expert guidance on insur=
ance policies, underwriting, and risk management. His experience has been v=
ital to his success 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 Sponsored by: CONTACT US TO LEA=
RN MORE ABOUT SPONSORSHIP OPPORTUNITIES! Apartment News Publications | 1973=
 Foothill Pkwy Suite #404 | Corona, CA 92881 US Unsubscribe | Update Profil=
e | Constant Contact Data Notice
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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=
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<p style=3D"margin: 0;"><span style=3D"font-size: 16px; color: rgb(35, 35, =
35); font-style: italic; font-weight: bold;">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;">Welcome to the California Insurance Crisis&#x2026;Insur=
ance carriers have pulled back from California&#x2019;s home and property i=
nsurance market due to ongoing wildfire risks and soaring construction cost=
s. As a result, many insurers have stopped writing new policies in Californ=
ia, the nation&#x2019;s most populous state. During the past two years, Sta=
te Farm, for example, announced it would stop accepting applications for al=
l California business and personal coverage lines of property and casualty =
insurance, citing inflation, a challenging reinsurance market and &#x201c;r=
apidly growing catastrophe exposure. More recently, State Farm has applied =
for double-digit rate increases.</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"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: 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 style=3D"margin-top: 0; margin-bottom: 0;"><li style=3D"color: rgb(0, 0=
, 0); font-size: 15px;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif;">The status of the Ca=
lifornia insurance market, including trends we are seeing with premiums, av=
ailability, and coverage.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><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, sans-serif;">Tips on having an in=
surance policy, and how to be a &#x201c;good insured&#x201d; policy holder.=
</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><li style=3D"color: rgb(0, 0=
, 0); font-size: 15px;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif;">Proprietary coverage=
 options available only through KERN Insurance Associates.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><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, sans-serif;">What to expect when =
you renew your policy&#x2026;insurance availability, increasing premiums an=
d reduced coverages.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><li style=3D"color: rgb(0, 0=
, 0); font-size: 15px;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif;">How to read your pol=
icy &#x2013; what to look for.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><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, sans-serif;">What you can do to d=
eal with today&#x2019;s marketplace challenges&#x2026;Learn what you can do=
 to act on what you can control.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;"><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, sans-serif;">Surplus lines and no=
n-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 style=3D"margin-top: 0; margin-bottom: 0;"><li style=3D"color: rgb(0, 0=
, 0); font-size: 15px;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif;">And, of course, much=
 more! Live Q&amp;A throughout the presentation to get your questions answe=
red</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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max-width: 100%; color: #FFFFFF; font-family: Arial,Verdana,Helvetica,sans-=
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nt-weight: bold; color: #FFFFFF; font-family: Arial,Verdana,Helvetica,sans-=
serif; word-wrap: break-word; text-decoration: none;">TUESDAY, AUGUST 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" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"tex=
t_content-cell content-padding-horizontal" style=3D"text-align: left; font-=
family: Arial,Verdana,Helvetica,sans-serif; color: #575757; font-size: 12px=
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px;" 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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er=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column colu=
mn--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> =
<table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" ce=
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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-weight: bold; margin: 0;"><span style=3D"font-style: italic; font-size: 20=
px; color: rgb(0, 0, 0);">Presented by:</span></h1></td> </tr> </table>  </=
td> </tr> </table> <table class=3D"layout layout--1-column" style=3D"table-=
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"center"> <a href=3D"https://5bua7ncab.cc.rs6.net/tn.jsp?f=3D001_pCq8AN4R9b=
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<tr> <td class=3D"column column--1 scale stack" style=3D"width: 100%;" alig=
n=3D"center" valign=3D"top"><div class=3D"spacer" style=3D"height: 30px; li=
ne-height: 30px;">&#x200a;</div></td> </tr> </table> <table class=3D"layout=
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0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 =
scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table=
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ing=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=
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al,Verdana,Helvetica,sans-serif; color: #717A80; font-size: 24px; font-weig=
ht: bold; margin: 0;"><span style=3D"font-size: 20px; color: rgb(0, 0, 0); =
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