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CA couple loses homeowners’ insurance because they drained their pool to save water

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CA couple loses homeowners’ insurance because they drained their pool to save water


SAN RAFAEL, Calif. (KGO) — It’s becoming harder and harder to get a homeowner insurance policy in California. State Farm and Allstate stopped writing new policies, citing wildfire risks. Others are limiting new customers. And now, several viewers tell 7 On Your Side that AAA is not renewing their longtime policies – and it has nothing to do with wildfires.

These homeowners were surprised to find out aircraft and satellites were taking photos over their homes. They were baffled to find out the reasons AAA dropped their coverage — everything from clutter in the yard to draining a swimming pool to save water.

When we last met CJ Sveen of Oakley, AAA had just notified him it would not renew his homeowner insurance. AAA said he had debris and hazards in his yard.

“Apparently they have some pictures and they noticed clutter,” Sveen said. “I find that offensive. How dare you judge me because of my stuff!”

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Sveen said the yard is his workshop — not a hazard. Sveen said, “There was no chance to mitigate, clean up, do anything, it was just, you’re fired.”

MORE: Consumer group accuses Allstate, State Farm of extortion after insurers halt new home policies in CA

George Nadeau of San Rafael also got a non-renewal notice — but this time, AAA said it was because his roof had “exceeded its useful life.”

“I think obviously that their drone surveillance was bogus,” Nadeau said. “And that’s crazy. We have one of the best maintained residences in the neighborhood. And we’ve kept very good care of our roof!”

Nadeau sent invoices to a local agent showing he had a new roof installed on his home seven years ago and a $4,000 upgrade just last March. He also sent photos of the finished roof.

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“We’ve lived in this house for 50 years and have maintained our roof in a very effective way. So to have an insurance company telling me that I’m not doing my job is a little bit annoying,” Nadeau said.

The company said the decision was final. Nadeau appealed to a local agent.

VIDEO: Insurance company drops customer saying a ‘drone’ took photos of clutter in yard

“And she literally said they’re looking for excuses to eliminate homeowners policies in this area. I’m 85 years old. I feel like I’m a victim of some kind of conspiracy. Give us some consideration for the good citizens we’ve been all these years,” Nadeau said.

AAA cited a puzzling reason for not renewing Marilyn Smith’s policy. She and her husband had drained their swimming pool to conserve water… during the drought!

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“I think I was in so much shock, I couldn’t believe it,” Smith said. “I mean, we were both in shock. Because the pool is empty. What’s that got to do with canceling your home insurance?”

The couple drained the pool after their grandchildren grew up and moved away.

“We decided well, we don’t use it you know, the kids have moved in different states… that saves us on maintenance… and then just the water, because it does evaporate, so you have to be putting water in there every couple of days… and that’s not a small little pool. Water was becoming very expensive,” Smith said.

MORE: UC Berkeley team tests portable harvester device to pull water out of air

Now they use the empty pool like a hothouse to grow potted tomatoes and lettuce. But the AAA notice said the pool showed signs of “deferred maintenance.”

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“She just flat out said because the pool was empty,” Smith said. “I don’t understand what their problem is. Because you empty a pool and you’re saving on water.”

CSAA Insurance Group, the parent of AAA, said, “CSAA Insurance Group has provided homeowners insurance to AAA members in Northern California for more than 40 years. Over that time, we’ve helped thousands of AAA members recover from home damage and disasters. To continue offering industry-leading insurance coverage, we must periodically evaluate our exposure to risk. After careful review of our exposure, we continue to offer insurance throughout Northern California as long as our underwriting criteria are met. CSAA Insurance Group evaluates many sources of information to assess the condition of properties we insure, including third-party proprietary aerial imagery captured by fixed-wing aircraft and satellites. Out of respect for customer privacy, CSAA Insurance Group does not comment on specific situations or policies, but we will follow-up to better understand these concerns.”

Consumer advocate Amy Bach of United Policyholders said insurance companies are using new technology like drone surveillance to look for potential risks.

“Insure tech tools are scaring insurers,” Bach said. “It’s just very easy now for them to put a customer in the discard pile based on this tech information that they’re using and buying. So far it’s not really helping the consumer.”

However, it’s not all gloom. After searching for weeks, Sveen found a new and cheaper policy offered through the military — so did Smith and her husband. And after Nadeau sent in all those photos of his roof, AAA reinstated his policy after all.

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Take a look at more stories and videos by Michael Finney and 7 On Your Side.

7OYS’s consumer hotline is a free consumer mediation service for those in the San Francisco Bay Area. We assist individuals with consumer-related issues; we cannot assist on cases between businesses, or cases involving family law, criminal matters, landlord/tenant disputes, labor issues, or medical issues. Please review our FAQ here. As a part of our process in assisting you, it is necessary that we contact the company / agency you are writing about. If you do not wish us to contact them, please let us know right away, as it will affect our ability to work on your case. Due to the high volume of emails we receive, please allow 3-5 business days for a response.

You may also email 7OYS@KGO-TV.COM.

Please note the address uses the letter “O”, not zeros. Be sure to include your full name, email, street address, and phone number.

If you’re on the ABC7 News app, click here to watch live

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California doctor who drove Tesla off cliff with family inside won’t face trial, granted mental health diversion

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California doctor who drove Tesla off cliff with family inside won’t face trial, granted mental health diversion


The “suicidal” California doctor accused of intentionally driving his Tesla off a cliff with his wife and two young children inside won’t face trial for attempted murder as he is instead set to begin a mental health diversion program.

Dharmesh Patel, who was granted admission into the two-year program last Thursday at the San Mateo County Court, will remain in jail for “several weeks” before he’s released, the San Mateo District Attorney told NBC News.

The radiologist, who has spent the last 18 months behind bars. will be released from jail to his parent’s home where he will be ordered not to leave.

He will also have to report to court weekly for a progress report.

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Patel will be ordered to be tested twice a week “to show medication compliance,” and will have to abstain from drugs and alcohol while also forfeiting his driver’s license and passport, the outlet reported.

Dharmesh Patel won’t face trial for his attempted murder charges after his admittance into a mental health diversion program. David G. McIntyre for NY Post

The doctor will return to court on July 1 where details of his release will be determined, a spokesperson for District Attorney Stephen Wagstaffe told NBC News.

Judge Susan Jakubowski granted Patel admission to the program while the DA’s office “intensely” opposed it.

The radiologist appeared “by all accounts a kind and loving” father, said Jakubowski on Thursday, adding that Patel would be better served in treatment than in jail, the Mercury News reported.

Last week’s ruling was made after evidence was found showing Patel has major depressive disorder.

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Patel was accused of driving his Tesla Model Y off the 250-foot cliff off “Devil’s Slide” on Highway 1 and landing on the shore of the Pacific Ocean in Jan. 2023. AP
Miraculously, Patel, his wife and their two children — a 7-year-old daughter and 4-year-old son — all survived. Facebook/Neha Patel

In April two doctors testified in court that Patel suffered from “major depressive order” and experienced a “psychotic” break during the attempted murder-suicide on Jan. 2, 2023.

The Tesla Model Y plummeted off the 250-foot cliff off “Devil’s Slide” on Highway 1 and landed on the shore of the Pacific Ocean.

Miraculously, Patel, his wife and their two children — a 7-year-old daughter and 4-year-old son — all survived.

Patel was arrested and later charged with three counts of attempted murder. He initially pleaded not guilty to the charges saying the Tesla experienced a malfunction causing the car to careen off the cliff.

His wife Neha later told investigators her husband had suffered from depression before the crash.

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“He’s depressed. He’s a doctor. He said he was going to drive off the cliff. He purposefully drove off,” Neha told rescuers.

During his testimony, psychologist Mark Patterson said Patel’s delusions were provoked by the nation’s fentanyl crisis, the war in Ukraine and feared his children could be kidnapped and molested, which appeared to have been connected to Patel’s worries about accused sex trafficker Jeffrey Epstein.

In May, Neha Patel begged prosecutors to drop the charges and admit her husband into the program.

In April two doctors testified in court that Patel suffered from “major depressive order” and experienced a “psychotic” break during the attempted murder-suicide. AP
Neha Patel later told investigators her husband had suffered from depression before the crash. Facebook/Neha Patel

“We need him in our lives and it has been over a year and a half since my children or I have seen or spoken to Dharmesh,” she said.

The doctor was deemed a good candidate for the program because he’s at low risk of injuring anyone else and has shown progress with his treatment since the crash, Patterson said.

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California Shelves Repeal of 1950 Housing Law That Stoked Racial Tension | KQED

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California Shelves Repeal of 1950 Housing Law That Stoked Racial Tension | KQED


“While SCA 2 was one of many efforts to help address the housing crisis, the November’s ballot will be very crowded, and reaching voters will be difficult and expensive,” Allen said in a statement. “In addition, the legislature recently passed my SB 469, which substantially addresses some of the most significant concerns about how Article 34 might be impacting housing production.”

SB 469 clarifies that the use of state affordable housing dollars does not trigger Article 34’s requirement for voter approval. Allen said his focus is on determining whether these efforts are “making a significant dent in addressing the problem,” adding that quickly building more affordable housing is a priority.

Backed by the California Real Estate Association, the forerunner to the current California Association of Realtors, Article 34 was first adopted by voters in 1950. Realtors played on voters’ fears that affordable housing would lead to greater racial integration of exclusively white neighborhoods.

CAR issued a formal apology in 2022 for its past support of Article 34, with association President Otto Catrina condemning the actions and vowing to address the legacy of its “discriminatory policies and practices.”

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The organization “remains a strong supporter of the repeal of Article 34 … which adds unnecessary hurdles and costs to the creation of affordable housing,” CAR spokesperson Sanjay Wagle said in a statement.

Wagle noted that a majority of Californians support repealing the provision but cited research showing a voter education campaign would be needed to explain the article’s effects.

“The cost of such a campaign in an election year with so many initiatives on the ballot made this campaign more costly and difficult, thus making it more logical to pursue a repeal on a future ballot,” Wagle wrote. “We thank Sen. Allen and Sen. Wiener for their efforts on this repeal effort and look forward to working [with] them and other stakeholders on this issue in the future.”





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California Quarterback Commits to Penn State’s 2026 Recruiting Class

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California Quarterback Commits to Penn State’s 2026 Recruiting Class


Though Penn State has been busily filling its 2025 recruiting class in June, the program hasn’t stopped looking ahead. The Nittany Lions on Tuesday received a commitment from 4-star California quarterback Troy Huhn, who became the second player in Penn State football’s 2026 recruiting class.

Huhn (6-4, 205 pounds) will be a junior at Mission Hills High, just north of San Diego. He threw for 1,623 yards and 16 touchdowns as a sophomore last season. Huhn quickly built a strong offer sheet that included Michigan, Ohio State, Oregon, Texas, Auburn and Notre Dame, among many others. Huhn took an unofficial visits to Ohio State and Penn State in June, committing to the Nittany Lions two weeks after his trip.

Huhn is the 2026 recruiting class’ 10th-rated quarterback prospect, according to the 247Sports Composite, and a top-15 player in California. On3 ranks Huhn highest among the major recruiting services, slotting him at No. 60 nationally and sixth at quarterback.

Huhn, who committed to Penn State offensive coordinator Andy Kotelnicki and quarterbacks coach Danny O’Brien, spent time with head coach James Franklin during his unofficial visit. He told Sean Fitz of Blue-White Illustrated that Franklin made an impression.

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“Coach O’Brien was great, but really my main thing when I was getting out there was to have more time with coach Franklin. They definitely gave that to me,” Huhn said in his interview with Blue-White Illustrated. “I really felt the love from coach Franklin. He’s very business, he’s awesome, he’s a funny guy. My mom loves him, he loves my mom. That relationship with him is now a lot better and I’m glad I got to spend that time with him.”

Huhn joins Harrisburg athlete Messiah Mickens on the ground floor of Penn State’s 2026 recruiting class. Mickens committed to Penn State in August 2023. Penn State had been recruiting several 2026 quarterbacks alongside Huhn. One of their targets, Dia Bell, recently committed to Texas.

Huhn’s commitment continued a prolific stretch for the Nittany Lions. Franklin and his staff have received commitments from five players in a four-day stretch. Four of them committed to Penn State’s 2025 recruiting class.

The most recent 2025 commitment belonged to Max Granville, a 4-star prospect from Texas and first-team all-state honoree as a junior. Granville, who will be a senior at Fort Bend Christian Academy, is rated as a 4-star linebacker according to the 247Sports Composite. However, the 6-3, 220-pound Granville projects at defensive end and was recruited by Penn State defensive line coach Deion Barnes. Granville chose Penn State after making an official visit to State College earlier in June. He also visited USC, Texas A&M and Oklahoma in June and took an official visit to Baylor in April.

Penn State opens the 2024 football season Aug. 31 at West Virginia. The game is scheduled for a noon kickoff on FOX.

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AllPennState is the place for Penn State news, opinion and perspective on the SI.com network. Publisher Mark Wogenrich has covered Penn State for more than 20 years, tracking three coaching staffs, three Big Ten titles and a catalog of great stories. Follow him on Twitter @MarkWogenrich.





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