What Central Coast Businesses and Homeowners Need to Know
The Central
Coast has seen its share of intense weather in recent years — from heavy winter storms and localized flooding to coastal surge events and wind damage. Communities in Aptos, Santa Cruz, Monterey, and Salinas continue to feel the impact of shifting weather patterns that bring stronger storms and longer recovery periods.
For homeowners, landlords, contractors, agricultural operations, and business owners, now is the time to review insurance coverage and ensure you’re protected before the next storm hits.
At Scurich Insurance Services in Aptos, CA, we work with families and businesses throughout Santa Cruz County and Monterey County to help them prepare for real-world risks — not just theoretical ones.
Why Storm & Flood Risk Is Increasing on the Central Coast
Recent weather patterns have brought:
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Heavier-than-normal rainfall totals
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Flooded roadways and low-lying neighborhoods
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Mudslides and erosion near burn scar areas
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Wind damage to homes and commercial properties
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Agricultural field saturation in the Salinas Valley
Coastal communities like Aptos and Santa Cruz are particularly vulnerable to:
Meanwhile, areas in Monterey and Salinas often face:
Even properties that have “never flooded before” have experienced water intrusion in recent seasons.
Does Your Homeowners Insurance Cover Flooding?
This is one of the biggest misconceptions we see.
Standard homeowners insurance does NOT cover flood damage.
Flood insurance typically requires a separate policy. This applies whether you live:
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Near the coast in Aptos or Santa Cruz
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Near the Salinas River
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In lower-elevation areas of Monterey
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In inland agricultural zones
If water enters your home from rising ground water, storm runoff, or overflowing creeks — that is generally considered flood damage.
Without a flood policy, repairs can come entirely out of pocket.
What Homeowners Should Review Right Now
If you own a home in Santa Cruz or Monterey County, review:
1. Dwelling Coverage Limits
Are your rebuild limits updated for today’s construction costs?
2. Sewer & Drain Backup Coverage
Storm systems can overwhelm municipal infrastructure. This endorsement can be critical.
3. Flood Insurance Options
Even moderate-risk zones may benefit from coverage.
4. Deductibles
Some policies have percentage deductibles for wind or named storms.
5. Landscaping & Outbuildings
Retaining walls, detached garages, fencing, and outdoor structures may have limited coverage.
Business Owners: Storm Risk Is More Than Just Property Damage
If you operate a business in Aptos, Santa Cruz, Monterey, or Salinas, storms can disrupt:
Important Coverage Areas to Review:
Commercial Property Insurance
Protects buildings, improvements, and contents.
Business Interruption Insurance
Helps replace lost income if you must temporarily close.
Equipment Breakdown Coverage
Covers electrical systems damaged by power surges or outages.
Flood Insurance for Commercial Property
Separate from standard commercial property policies.
Agricultural & Winery Considerations in Monterey & Salinas
The Salinas Valley is one of the most productive agricultural regions in the country. Excessive rain, wind, and flooding can impact:
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Crops
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Irrigation systems
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Equipment
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Storage facilities
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Access roads
Specialized agricultural coverage and crop insurance programs may be necessary to properly protect operations.
Coastal Property Risks in Aptos & Santa Cruz
Properties near the ocean face additional exposure to:
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Salt air corrosion
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Elevated wind exposure
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Coastal erosion
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Wave surge
Insurance carriers evaluate proximity to the coastline carefully. Premiums and deductibles may vary significantly based on location.
Working with a local agency that understands Central Coast geography can make a real difference in proper policy placement.
Why Local Experience Matters
Insurance isn’t one-size-fits-all — especially in areas with unique weather and geographic conditions like Santa Cruz and Monterey counties.
A local agency understands:
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Neighborhood-specific flood patterns
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Coastal wind zones
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Agricultural exposures
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Construction cost trends in the region
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Carrier appetite changes after major storm seasons
At Scurich Insurance Services in Aptos, CA, we take a proactive approach — reviewing policies before problems arise.
Storm Preparedness Checklist
Before the next major weather event:
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✔ Review your insurance policies
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✔ Confirm flood coverage (if needed)
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✔ Document property with photos
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✔ Clear drainage systems and gutters
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✔ Secure outdoor furniture and equipment
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✔ Create a business continuity plan
Preparedness reduces both physical damage and financial stress.
Protect Your Property Before the Next Storm
Storm seasons on the Central Coast have become less predictable. Waiting until a major system is forecasted is often too late — especially for flood coverage, which may have waiting periods before activation.
If you live or operate a business in:
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Aptos
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Santa Cruz
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Monterey
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Salinas
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Watsonville
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Capitola
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Carmel
Now is the right time for a coverage review.
Contact Scurich Insurance Services – Aptos, CA
Whether you’re protecting your home, business, rental property, or agricultural operation, our team can help you evaluate options and identify coverage gaps.
Insurance is about preparation — and preparation starts before the storm clouds gather.
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The Central Coast has always been resilient, but the past few months have reminded all of us how quickly conditions can change. Between heavy winter rains, localized flooding, ongoing road closures, and shifting wildfire risks, residents and businesses across Aptos, Watsonville, and the greater Monterey region have faced another season of unpredictable weather.
At Scurich Insurance Services, our roots in this community run deep. We’ve helped families, farms, and small businesses navigate these challenges for decades — and we want to share a quick update on what’s happening locally and how you can stay protected.
Recent Local Conditions Worth Noting
1. Heavy Rains & Flooding Concerns (Especially in Low-Lying Watsonville Areas)
Recent storm systems brought saturated soils and rising creek levels across the Pajaro Valley. While major flooding has been limited compared to past years, several rural roads saw pooling, and the potential remains when additional storms roll through.
Insurance Tip:
Review your homeowner’s or business policy for flood exclusions. Standard policies do not cover groundwater or floodwater damage. Flood insurance must be purchased separately and often carries a waiting period.
2. Coastal Impacts in Aptos
High surf advisories and bluff erosion have once again affected coastal roads and properties in Aptos. Even residents inland are feeling the effects through road impacts, power outages, or delayed services.
Insurance Tip:
If you live near the coast or own a rental home there, consider reviewing:
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Extended replacement cost coverage
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Earth movement/landslide endorsements
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Loss of use or rental income coverage
These small additions can make a big difference during storm season.
3. Monterey County Agriculture Still Recovering
The storms have continued to impact farm access, equipment storage, and seasonal planting schedules. Operators across Watsonville, Salinas, and Monterey County are recalibrating for 2025.
Insurance Tip:
Agribusiness owners should take time now to review:
Unexpected downtime is one of the largest financial risks a farming operation faces.
4. Wildfire Preparations Restart Soon
Although winter moisture reduces immediate fire danger, spring and summer wildfire planning begins now. Many insurance carriers are updating underwriting standards in Santa Cruz and Monterey Counties.
Insurance Tip:
If you received a non-renewal or premium increase, reach out early — options exist, but they fill up fast as the season approaches.
How Scurich Insurance Services Can Help Today
As your local, independent insurance partner, we offer:
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Free policy reviews for homeowners, renters, farms, and businesses
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Flood insurance and excess flood options
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Access to multiple carriers (not just one) so we can shop for the best rate
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Guidance on disaster documentation and preparedness
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Claims support you can rely on when it matters most
Whether you live near the coast in Aptos, operate a business in Watsonville, or manage a property anywhere in Santa Cruz or Monterey counties, we’re here to help you stay protected through every season.
Have Questions About Your Coverage?
We’re local, we’re here, and we’re ready to help.
Contact Scurich Insurance Services today.
Phone: (831) 722-3541
Website: www.scurichinsurance.com
Stay safe — and thank you for trusting us to protect what matters most.
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Nearly 13,900 PG&E customers in Santa Cruz County woke up today to a dark Monday morning, as the utility shut-off power to over 350k customers in 36 counties beginning Sunday night.This is a preventive/safety measure to reduce the chances of utility equipment sparking a wildfire as the State of CA is experiencing unprecedented strong winds and low humidity levels.
The next time you experience a power disruption, take these steps to protect your home, valuables and family.
Call the power company. Report the outage and any downed lines, and sign up (online) to receive alerts when the power returns.
Check the circuit breakers. Be sure they’re turned to the “on” position so the power will automatically turn on when it’s restored.
Never touch downed lines. They’re deadly.
Use battery-operated flashlights or lanterns. Candles or oil lamps can be fire hazards, so rely on battery-operated light sources.
Stay warm during winter power outages. Bundle in layers, gather your family and pets in one room and shut the doors. You can also use your wood stove as a heat source if it’s clean and functions properly.
Stay cool during summer outages. Dress in lightweight clothing and hang out in the basement. You’ll also want to stay hydrated. If the power outage lasts for an extended time, drive to a mall, movie theater or other cool location.
Preserve food. In general, food will stay safe in the refrigerator for up to four hours and in the freezer for up to 48 hours, but try to avoid opening these appliances. Wrapping these appliances with blankets might provide further insulation and food protection during short outages.
Fill your water jugs if possible. Grab your spare containers and fill them with water to sustain you during the outage.
Turn on the water. Let your spigots drip to prevent freezing water pipes during winter outages.
Unplug major appliances. Your appliances could be damaged by the surge that sometimes occurs when the power comes back on, so unplug all your appliances and electronics except your fridge or freezer. Consider keeping a single lamp or other electric device plugged in so you know when the power is restored.
Use your generator with caution. Only turn on your generator if it’s installed outdoors, properly connected to your home and fueled properly.
Don’t grill indoors. The carbon monoxide could kill you.
Check on your neighbors. Verify that your neighbors are safe, especially if they’re elderly or disabled, and share any water or food with them.
Stock an emergency supply. After the power returns, prepare for the next outage. Stock non-perishable food, water, flashlights, batteries, a first aid kit, and pet and baby supplies, if necessary.
Review your homeowners insurance coverage. Your policy may cover food losses, power surge damages, burst pipes, and even hotel expenses that you incur because of a power outage. Contact your insurance agent for more details.
A power outage can occur at any time, so be prepared. These steps help you protect your home and your family.
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The Contracting Classification Premium Adjustment Program (CCPAP) is a discount program that can reduce the amount that an employer pays in workers’ compensation premiums.
How does the CCPAP work?
The CCPAP was developed to provide a premium credit for employers in the contracting and construction industry who pay their employees higher than average wages. The CCPAP discount is calculated using the hourly rate of employees who are classified within the construction industry’s contracting class codes.
The system that is used to calculate workers’ compensation premiums groups employees according to risk. For each classification, the employer must pay a certain amount of workers’ compensation premiums based on every $100 of payroll. Since high wages amount to higher workers’ compensation premiums, employers use the CCPAP to lower their premiums to an amount more level with what they would be paying if they paid their employees less. With the CCPAP, employers aren’t penalized for paying their employees higher than average wages.
How does an employer apply for the CCPAP?
An employer must complete the CCPAP application and return it to the National Council on Compensation Insurance (NCCI) within 180 days from either the effective date or the anniversary rating date of the workers’ compensation policy. The CCPAP must be applied for every year.
When completing the application, the employer must determine which calendar quarter data to use. The employer will also be asked to provide a description of operations or its classification, the appropriate classification code, the total wages paid and the total hours worked.
Once the application is received by the NCCI, the average hourly wage will be computed and the CCPAP credit will be generated according to the rules for the state in which the application is being made. The insurance company will then be notified, and the credit will be applied to the policy.
In which states is the CCPAP available?
The CCPAP is not a national program. Each participating state has its own rules, which include qualification and calculation of credits. Some states may also have an hourly pay rate threshold for entry into this program.
To see if the CCPAP is available for your business, consult with Scurich Insurance Services for more information about the program and the potential to lower your workers’ compensation premiums.
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On Jan. 9, 2017, the Occupational Safety and Health Administration (OSHA) issued a final rule that amends its beryllium standards for the general, construction and shipyard industries.
The final rule sets a new permissible exposure level (PEL) and requires new provisions to protect workers, including exposure control measures, exposure assessments, respiratory protection, personal protective clothing and equipment, and new conventions for housekeeping, medical surveillance, hazard communication and record keeping.
The final rule becomes effective on March 10, 2017, though compliance is not required on most provisions until March 12, 2018.
ACTION STEPS
Employers should become familiar with the new standards and evaluate their current workplace practices and training programs to ensure compliance with the final rule by the applicable deadlines.
Beryllium
Beryllium is a metal that is lighter than aluminum and stronger than steel. Beryllium is also durable, stable, conductive and nonmagnetic. Because of its properties, beryllium is often used as an alloying agent to produce beryllium copper, and it can be found in nuclear reactors, machine parts and springs, complex electronic equipment and aircraft.
However, beryllium is also very toxic. Exposure to unsafe beryllium levels can cause respiratory problems and skin disease. Beryllium exposure can also affect an individual’s eyes, liver, kidneys, heart, nervous system and lymphatic system. Also, beryllium is a known cancer-causing substance.
Affected Employers
OSHA estimates that approximately 35,000 workers are exposed to beryllium in approximately 4,088 establishments in the United States. However, even though the highest risk of exposure for workers is at the workplace, exposure can also happen through contaminated clothing and vehicles and can affect a worker’s family members and the general public.
Employers in manufacturing and alloy production, machining and fabrication, and recycling have traditionally shown the highest average exposures to beryllium.
New PELs
The final rule establishes two new PELs that apply to beryllium in all of its forms, compounds and mixtures. These standards are:
| TWA PEL 0.2 μg/m3
An eight-hour time-weighted average (TWA) PEL of 0.2 micrograms per cubic meter of air |
& |
STEL PEL 2.0 μg/m3
A 15-minute short-term exposure limit (STEL) of 2.0 micrograms per cubic meter of air |
TWA PEL
The TWA PEL dictates that employers cannot allow the average worker exposure during an eight-hour work shift to exceed 0.2 μg/m3. The new TWA PEL represents one-tenth of the previous PEL. The new TWA PEL is ten times smaller than the previous PEL because OSHA found that the previous standard posed a “significant risk of material impairment of health to exposed workers.”
Even though OSHA concluded that a TWA PEL of 0.1 μg/m3 was preferable, it chose to adopt the 0.2 PEL out of concerns over the feasibility of implementing a 0.1 TWA PEL.
STEL PEL
The STEL PEL, or ceiling limit, was adopted because even the 0.2 μg/m3 TWA PEL continues to pose a significant health hazard to workers. The STEL PEL is intended to protect workers from the harm that may result from beryllium exposures that, though brief, exceed the TWA PEL.
The final rule sets the beryllium STEL PEL at than 2.0 μg/m3 of beryllium in any 15-minute sample during the work shift. Employers will be required to make sure that no worker is exposed to a higher concentration. Employers will need to measure their STEL PEL during the highest-exposure operations performed by workers.
Action Level
The final rule also implements an action level for beryllium. Under the final rule, the action level for beryllium is a concentration of airborne beryllium of 0.1 μg/m3 calculated as an eight-hour TWA. When beryllium concentrations are equal to or higher than the action level trigger, an employer may have to:
- Conduct periodic exposure monitoring (if the employer is following the scheduled monitoring option);
- List the operations and job titles that are reasonably expected to expose workers at or above the action level as part of their written exposure control plan;
- Ensure that at least one of the controls listed by the final rule is set in place (unless the employer can demonstrate, for each operation or process, that such controls are either not feasible or that worker exposures are below the action level based on at least two representative personal breathing zone samples taken at least seven days apart);
- Provide employee medical surveillance for employees that are exposed at or above the action level for more than 30 days per year (an employer’s medical surveillance obligations allow affected employees to receive exams at least every two years at no cost to the employee);
- Follow medical removal protocols. Employees eligible for removal can choose to remain in environments with exposures at or above the action level, provided they wear respirators. These employees may also choose to be transferred to comparable work in environments with exposures below the action level. However, if comparable work is not available, the employer must maintain the employee’s earnings and benefits for six months or until comparable work becomes available.
Additional Requirements
The table below provides a summary of additional requirements and changes imposed by the final rule.
| Exposure Assessment |
· Employers must provide exposure assessment when workers are reasonably expected to be exposed to airborne beryllium.
· Employers may choose between the performance or schedule monitoring options. |
| Beryllium Work Areas |
· Employers in the general and shipyard industries must establish, maintain, demarcate and limit access to certain areas to limit worker exposure.
· Employers in the construction industry must designate a “competent person” to demarcate certain areas of beryllium exposure. |
| Written Exposure Plan |
· Employers must establish, implement, and maintain a written exposure control plan and specify the information that must be included in the plan.
· Written exposure plans must be reviewed annually and updated as required.
· Employers must also make a copy of the written plan to any employee who is, or can reasonably be expected to be, exposed to airborne beryllium. |
| Respiratory Protection |
· Employers must provide adequate respiratory protection at no cost to their employees. Powered air-purifying respirators (PAPRs) instead of negative pressure respirators must be provided if requested by employees.
· Employers must ensure that employees use respiratory protection in certain situations. |
| Personal Protective Equipment (PPE) |
· Employers must provide adequate PPE to their employees when:
o Exposure exceeds, or can reasonably be expected to exceed, the TWA PEL or STEL; and
o There is reasonable expectation of dermal contact with beryllium.
· Employers must follow the final rule’s updated standards for appropriate removal, storage, cleaning and replacement of required PPE. |
| Hazard Communication |
· Employers have to take additional steps to warn and train employees about beryllium hazards. |
| Housekeeping |
· Employers in the general industry must:
o Maintain all surfaces in beryllium work areas as free as practicable of beryllium;
o Clean spills and emergency releases of beryllium promptly;
o Use appropriate cleaning methods; and
o Dispose of materials containing or contaminated with beryllium properly.
· Employers in the shipyard and construction industries must:
o Follow the required written exposure control plan when cleaning beryllium-contaminated areas;
o Use appropriate cleaning methods, and
o Provide beryllium-containing material recipients for use or disposal with a copy of the hazard communication or warning described in the final rule. |
| Hygiene Areas and Practices |
· Under specified circumstances, employers must provide employees with readily accessible washing facilities and change rooms (access to showers for employee use may also be required by the general industry standard).
· Employers must take certain steps to minimize exposure in eating and drinking areas. |
Appendix A
The final rule also includes Appendix A to the final standard for the general industry. This appendix provides information to employers on recommended control options that employers could use to comply with their requirement to reduce exposure to airborne beryllium in beryllium work areas.
However, compliance with the information in Appendix A is recommend, not required. OSHA stated in the final rule “Appendix A is for informational and guidance purposes only and none of the statements in Appendix A should be construed as imposing a mandatory requirement on employers that is not otherwise imposed by the standard. In addition, this appendix is not intended to detract from any obligation that the rule imposes.”
More Information
Please contact [B_Officialname] or visit the OSHA Beryllium webpage for more information on this topic.
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You’re at the airport car rental counter to find a convertible for the weekend — for business, of course. “No problem,” says the sales rep. But before handing you the keys, she asks if you’d like additional Physical Damage coverage. This leaves you with a problem: Should you pay the extra money or trust your own insurance?
Your Business Auto insurance will probably pay for your liability on the business rental, but coverage for damage to the rental vehicle can be more complicated. You might be covered under your Business Auto or Personal Auto policy, or even the credit card that you used to pay for the rental, Depending on the situation, it’s also possible that none of them will pay very much.
To make things even more confusing, laws in a number of states limit your responsibility for damage to the rental – if coverage applies under any of the above, there might still be exclusions and limitations.
To help cut through this confusion, here are a few tips:
- Rent from a reputable company. The national car rental firms tend to have standardized contracts with tested language. Local or smaller businesses often develop their own contracts, and without legal assistance it might be nearly impossible to determine exactly what you’ve agreed to.
- When in doubt, ask. The person at the rental counter might not be sure about what coverage she’s selling, so be sure to ask to speak to someone who can clearly explain what you are and are not responsible for. If you’re unsure, walk away.
- Talk with us before your trip. We’d be happy to explain your options.
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