THE
Ridge
Business Journal
Your resource for what ’s happening on the Ridge!
Connecting the Ridge Business Community
www.paradisechamber.com
A Section - Winter 2021
New insurance information - DMV Self-Service kiosk loss of use may be extended at Paradise post office offers many services for Camp Fire survivors By Kimball Shirey CIC Heritage Insurance Agency President, Paradise Ridge Chamber of Commerce
A
s the third anniversary of the devastating Camp Fire passes and for those that still have open insurance claims, it is important to be aware of some important wording included in California Insurance Code 2051.5 (2018 Version). This code offered policyholders further protection regarding the settlement of your replacement cost on the home you lost plus code upgrades. The following portion of 2051.5 (b) (1) and (2) applies: An insured will have no less than 12 months (from the date that the first payment toward the actual cash value is made) to collect the full replacement cost of the loss, subject to the policy limit. In the event of a loss relating to a “state of emergency,” as defined in Government Code Section 8558, an insured will have no less than 36 months (from the date that the first payment toward the actual cash value is made) in order to collect the full replacement cost of the loss, subject to the policy limit. Additional extensions of six months shall be provided to policyholders for good cause.
Office at 6469 Clark Road. It’s available 24/7 and easy to use. Customers can conduct the most common DMV transactions using the touchscreen kiosk, from renewing vehicle registrations and receiving replacement registration cards and stickers to obtaining a vehicle record.
Insurance companies typically will require an estimate to determine the rebuild cost including code upgrades of your lost home even if you do not intend to rebuild it. Examples of good cause for potential extensions are: cost increases due to increased demand and supply chain delays, housing market issues, difficulty finding and retaining contractors, engineers, architects, and other professionals. COVID-19 delays also may be included as a factor in good cause. Bear in mind the extensions are not automatic and must be formally requested in writing to your insurance company. The request should also include a clearly described and documented log of your causes for delay. While the above-mentioned potential extensions refer to the replacement cost provision of your policy, the code also applies to additional living expenses. California Department of Insurance Commissioner Ricardo Lara detailed this in his notice dated April 3, 2020: In addition, the Department has received complaints from consumers and local and state officials that certain residential property insurance companies are insisting that insureds (who suffered losses in the November 2018 wildfires) must continue to
INSURANCE, continues on page A-6
Paradise on Ice returns for 8th season! By Kristi Sweeney Assistant District Manager, Paradise Recreation and Park District The Ice Rink is back and hosting skaters at the Terry Ashe Recreation Center’s Winter Wonderland. The rink known as Paradise on Ice has been the most popular recreational activity on the Ridge since its inception in 2013, attracting thousands of skaters and visitors each year. The Paradise Ice Rink is a picture-perfect post card setting under the pines, creating a very special holiday destination for the entire family. Schools, families, churches, and other organizations also can schedule times for private rentals or parties. Skates are included with the price of admission for unlimited skating on the 82’ x 50’
ICE RINK, continues on page A-7
A new DMV kiosk is now available 24 hours at the Paradise Post Office on Clark Road. By Jaime Garza Asst. Deputy Director of Communications Department of Motor Vehicles Many DMV transactions can now be completed using a selfservice kiosk located at the US Post
“We are pleased to partner with the U.S. Postal Service to provide DMV services in Paradise,” said DMV Director, Steve Gordon. “This kiosk allows customers from the area to quickly conduct DMV business without an office visit. Our commitment to innovation remains strong, and we continue to find digital solutions that deliver services how and where our customers want them.” “The U.S. Postal Service is excited about this new opportunity with the California DMV,” said Elvin Mercado, Vice President of Retail and Post Office Operations.
A much-loved tradition,
Paradise Truck Parade of Lights and Canned Food Drive Hegenbart Septic Tank Cleaning presents the Annual Truck Parade of Lights and Canned Food Drive Saturday, December 5th! Anyone with a decorated truck or vehicle is welcome to enter the parade for the entry fee of non-perishable food. Bring your decorated vehicle to the Thomas Ace Hardware parking lot, corner of Clark and Pearson, at 4:30 p.m. Judging will start at 5:00 p.m. Trucks will leave Ace Hardware at 6:30 p.m. and travel west on Pearson, proceeding north on Skyway to the Holiday shopping center and doubling back on the same route. That means, all trucks can be seen twice! After the parade, visit the Winter Wonderland at Terry Ashe Park and enjoy the holiday lights, decorated trees then grab a pair of skates and skate under the stars. If you are not joining the parade, drop off your non-perishable food at Ace Hardware, 5720 Clark Road, or Nic’s, 6256 Skyway.
PARADE, continues on page A-7