New Carbon Monoxide Detector Laws for California!


There are new Carbon Monoxide detector requirement laws that recently went into effect on 1/1/2013. California state now requires CO detectors in multi-unit dwellings. Although the bill was signed into law in 2010, California residents must have  carbon monoxide detectors in their homes as of July 1, 2011. This timeline  applies only to single-family homes that have appliances that burn fossil fuels  or homes that have attached garages or fireplaces.

A fine for $200 is the penalty for homeowners that do not comply with the CO detector installation requirements.

Read more:  California Law on Carbon Monoxide Detector Requirements |



What is the effective date for installing a CO device?

  • For a single-family dwelling having fossil fuel burning appliances and/or attached garages, the effective date is July 1, 2011.
  • For all other dwelling units having fossil fuel burning appliances and/or attached garages, the effective date is January 1, 2013.
  • For hotels and motels having fossil fuel burning appliances and/or attached garages, the effective date is January 1, 2016.


California Cal. Health & Safety Code §   13260 to 13263 – Carbon Monoxide Poisoning Prevention Act of 2010


Cal. Health & Safety Code §   17926 to 17926.2 – Regulation of Buildings Used for Human Habitation

Requires State Fire Marshal to   developed approved carbon monoxide device list. Prohibits marketing,   distribution or sale of devices not on the approved list.


Requires installation of approved   carbon monoxide detectors in single-family dwellings by July 1, 2011, and for   all other dwellings by 2013 if those dwellings contain a fossil fuel burning   heater or appliance, fireplace, or an attached garage. Applies to rental   property. Provides $100 penalty upon sale or transfer of noncompliant dwellings.

Determine your personal flood risk!

Determine your personal flood risk!

Knowing that each state in the US is subject to flooding, it is important to know what your specific flood risk is.

Certain areas are at higher flood risks than others, and flood maps have been useful in helping people understand their unique risk for their community.

Types of risks:

  1. High risk areas: “In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. All home and business owners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance. They are shown on the flood maps as zones labeled with the letters A or V.”
  2. Moderate-to-low risk areas: “In moderate-to-low risk areas, the risk of being flooded is reduced but not completely removed. These areas submit over 20% of NFIP claims and receive one-third of disaster assistance for flooding. Flood insurance isn’t federally required in moderate-to-low areas, but it is recommended for all property owners and renters. They are shown on flood maps as zones labeled with the letters B, C or X (or a shaded X).”
  3. Undetermined risk areas: “No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. Flood insurance rates reflect the uncertainty of the flood risk. These areas are labeled with the letter D on the flood maps.”

Useful Resources: Understanding Flood Maps, Undergoing a Map Change, Map your Risk

What Causes Flooding?

What Causes Flooding?

Whether it be heavy rain, rapid snow melt, or simply the thaw of spring, it is important to know the risks and causes of flooding, as it occurs in all 50 states. No matter where you live, you could be prone to flooding!

So – what are some causes of flooding?

Typically there is a 30-day wait period on flood insurance policies. The time to act is now, to make sure your investments are covered.

Call our team today to learn more about how you can reduce your risk of loss due to flooding!

Get the answers you need now about Health Care Reform:

Don’t leave yourself in the dark! Here are some answers to common questions about health care reform:

Q: What is health care reform?

A: “Health Care Reform” is a term that refers to the Affordable Care Act, which is the federal law passed in March 2010, as well as any state laws passed to put it in place. The intention of these laws are to help more people get healthcare that is affordable and to improve the quality of care.

Q: What do I need to do now?

A: You don’t really need to do anything right now, but you may need to take action around fall of this year 2013. The Health Insurance Marketplaces will open in October, so until then, you may want to learn all that you can about health care reform and how it will effect your health coverage.

Q: Need coverage now?

A: Why wait for a health care reform to take effect in 2014? Contact our Life and Health Specialist, Kim Brewer to help you find a plan that fits your needs now!

Still have more questions? Get all of your questions answered, by contacting us at the office. We are here to help you!

Ask for Kim Brewer at: 619-337-9980

The Broker Benefit!

Here ‘s a question for you to think about: Is it beneficial to use an insurance broker as opposed to buying insurance directly from the insurance company? We think so, and here are just a few reasons why:

Time is Money. It takes time to contact several insurance companies, provide each of them with the information they request and then wait to hear back from them. Our brokers will do whatever is necessary to find the plan, policy and coverage’s to meet your individual and unique needs, thus, saving you valuable time and money.

Gain Knowledge. The insurance industry is constantly changing, and it can be overwhelming trying to keep up. As a broker, it is our job to stay abreast of these changes and to be educated about all the different insurance products that are available. Then, we will share the information that is relevant to you, your family, or your business, and help you make an educated decision.

Reap the Savings. Our brokers are able to access a wide variety of insurance companies, allowing us the ability to negotiate the most competitive rates for our clients. Negotiating rates is something we pride ourselves on and we love passing the savings to you!

So, whether you are searching got health, auto or business insurance, it just makes sense to let a broker work for you!

A New Year A New Way to Connect!

With the advancement of technology, it is obvious that the way in which people and business connect to each other has changed. Websites and social media have become important tools for most businesses today, and our agency is no exception.

This year, we will be reaching out to our insured’s…that means YOU…in some new and exciting ways by revamping our web presence. We are thrilled about all of the possibilities this will allow us. For instance, we will now be able to provide you with lots of great information and useful resources through our website, our quarterly newsletter and Facebook.

While our goal is to provide you with current and relevant information, we also want you to know that our commitment to you is the same that it has been for over 50 years: to provide top-notch service that is both personalized and professional. Again, thank you for your support and commitment to us over the years, and we look forward to many more years together!