Why California Homeowners Are Not Ready for This El Niño

NOAA's Climate Prediction Center now gives a 69% chance that this El Niñois the strongest since 1950 — and California property owners have about60 days to get ahead of it. I'm not a meteorologist. I'm a property ownerwho has managed over 1,000 units, and this is the exact checklist I'mrunning on my own properties before the first atmospheric river hits.The biggest threat to your property isn't El Niño. It's water goingsomewhere your property wasn't designed to handle.⏱ CHAPTERS0:00 - Why I'm making this in September, not December0:00 - What El Niño actually means (60 seconds)0:00 - The 1997-98 vs 2015-16 problem0:00 - Roof and gutters0:00 - Why the fifth storm is the dangerous one0:00 - Drainage and grading0:00 - Trees and retaining walls0:00 - The insurance conversation most owners get wrong0:00 - What to do this week📋 WHAT'S IN THIS VIDEO- What a very strong El Niño historically does to California rainfall- Why saturated ground makes later storms worse than the first- The contractor bottleneck that hits the week after the first big storm- Why standard homeowners insurance generally excludes flood- The four water scenarios to ask your insurance agent about by name: flood, mudflow/landslide, sewer backup, and water intrusion through the roof- The walk-your-property exercise I want you to do this weekend⚠️ ON FLOOD INSURANCENFIP flood policies generally carry a 30-day waiting period beforecoverage takes effect. Private flood carriers vary. Either way, buyingcoverage with a storm already offshore does not work. Confirm your ownpolicy terms with your insurance agent.🏠 ABOUT MEKenny Simpson - The Simpson Team | C2 Financial Corporation20+ years in mortgage, 5,000+ clients. I finance self-employed andhigh-net-worth borrowers in California, Arizona, Oregon, Florida andTennessee — bank statement, DSCR, jumbo and ADU. I also own and operatea four-unit short-term rental compound in La Jolla Shores, which is whyI'm running this checklist myself.📞 Talk to me about financing: 🌐 simpson-team.com📱 SUBSCRIBE for straight answers on financing property in California.DISCLAIMER: This video is general property maintenance and preparednessinformation based on my personal experience as a property owner. I am alicensed mortgage loan originator, not an insurance agent, contractor,engineer or meteorologist. Nothing here is insurance advice, a coveragerecommendation, or a guarantee of any weather outcome. Consult your ownlicensed insurance agent, contractor and qualified professionals aboutyour specific property. Forecast figures cited are from NOAA's ClimatePrediction Center as of August 2026 and are subject to change.Kenny Simpson | C2 Financial Corporation | NMLS #310335Equal Housing Opportunity.#ElNino2026 #CaliforniaRealEstate #SanDiegoRealEstate #PropertyManagement