Insurance crisis hits S.F. homeowners

San Francisco resident Rudy Ragan could not believe it when his insurer of nearly 27 years, Safeco, dropped him over puddling on his Sunnyside roof. Like Ragan, many San Franciscans are astonished to discover that the insurance crisis, with its ever-growing list of nonrenewals, extends far beyond rural California. "Within the last nine months to a year, we started…