{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"El Niño Is a Wake-Up Call for Homeowners","html":"","width":"100%","height":180,"duration":1455,"description":"Speaking of Insurance dives into one of California homeowners’ biggest concerns: water damage, flooding, and what El Niño weather could mean for your insurance coverage.\n\nIn this episode, Aaron Bollinger explains why not all “flooding” is treated the same by insurers, and why the source of the water can make all the difference in a claim.\n\nWe cover:\nThe difference between flood damage, plumbing failures, sewer backups, and gradual leaks\nWhy sudden and accidental water damage may be covered, while maintenance-related damage often is not\nHow flood insurance works and why homeowners outside high-risk flood zones may still face exposure\nCommon warning signs of hidden water damage, including ceiling stains, warped baseboards, bubbling paint, and unexpected water-bill increases\nThe role of plumbing maintenance and water-leak detectors in preventing expensive losses\nHow a water claim can affect future insurance options and coverage limits\nWhat to do after a water event to help protect your home and support a potential claim\n\nInsurance coverage depends on the details of your policy, the cause of the damage, and the steps taken after a loss. Aaron breaks down the questions homeowners should ask before a storm, or a plumbing problem, turns into a major expense.\n\nSpeaking of Insurance is hosted by Aaron Bollinger of Bollinsure Insurance Services.\n\nLearn more or request an insurance review:\nBollinsure Insurance Services\n562-268-9355\nquotes@bollinsure.com\nCalifornia Insurance License #6013787","thumbnail_url":"https://img.transistorcdn.com/dHECMWMH7UdDMxVCK6uZsLMFIjvUnSx75gpYwTfdThI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jZjYx/ZjA4ZDliODU5MjE5/ZmNkNjc2MGIxNjU1/YmJlYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}