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Folsom homeowners say protected oak forces insurers to deny coverage; city staff to follow up
Summary
Residents told the council their large, protected blue oak threatens their homeowner insurance eligibility under a state 'zone 0' clearance policy. The council asked the interim city manager to contact the homeowners and staff to follow up on options.
Brenda and Dan McNeil told the Folsom City Council on Jan. 14 that their homeowner’s insurers have declined to renew coverage because a large protected blue oak trunk sits close to their house and exceeds a state‑described five‑foot “zone 0” clearance that insurers increasingly expect.
Why it matters: If a homeowner cannot secure insurance because a locally protected tree sits within the insurer’s required 5‑foot clearance, the homeowner risks mortgage noncompliance and potential loss of coverage. The McNeils asked the council for assistance in…
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