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| Heart image I took last year in Boston's worst snow storm |
How to Deal with Insurance After the Fires
California has a huge task of work ahead for us.
Homeowners who want to rebuild need to make
claims and get planning. This is a list of some ideas
to keep in mind making a claim in the CAMPFIRE or
Woolsey Fire or any wild fire for that matter
You
are entitled to assisted living expenses. That means your insurer can cut you a
check often on the spot for expenses for expenses you've incurred from your
mandatory evacuation. Keep copies of food bills, anything you bought
even a soda.
It’s
going to be hard to get new insurance and you may have to go to California Fair
Plan which is not great. Make sure you add extended replacement cost endorsement. This is basically
additional coverage intended to accommodate at least a portion of any
unexpected cost increases.
You can also purchase additional coverage for code upgrades. For
example, the rules might have changed for electrical systems or insulation
since your house was built. Code-upgrade insurance protects you from so-called
better-ments that your policy may not address.
Some policies don’t cover the foundation and plumbing, even if you
have guaranteed replacement cost. The insurance company is required to settle
in thirty days. Although they are human and out there making claims DO NOT
assume they are going to help you make a total claim, they work for the company
and shareholders.
Rebuilding will be more costly than normal construction because
there will be huge demand. Costs may run higher. Find out what Lowe’s are
closing and buy at discount while they are closing stores. Think about using
your settlement check and applying for FHA 203H which would allow 100% rebuild
costs to add to the check. Call me if you need help with this (949) 784- 9699
Hopefully
you have a video or photographs of your personal property, if not begin now and
send to relatives who have visited to add to the list. You won’t recall everything.
Make
a complete list
Go
room by room in a circle, mentally go through the drawers to recall what you
owned
Electronics-
televisions, old cell phones in desk, routers, the cable box that the cable
company will charge you for (by the way turn off the cable now) printers,
scanners, screens, and more.
Cords
Power
sources
Cameras
Film
Photographs
Framed
artwork
Framed
photographs
Carpet,
rugs
Furniture:
style, fabric, size
Side
tables
Lamps
Light
fixtures
Tables
Chairs
Dishes
flatware
Pots
pans
Kitchen
tools, blender, mixer, oven, toaster, broiler, refrigerator, name the make and
models
Food
in the refrigerator and cupboards
Linens-
kitchen ones, bedding, blankets, pillows
Beds
Night
stands
Dresser
Bathroom
supplies, cleaning supplies, brooms, vacuum,
Bathroom
shampoos, creams, makeup, nail polish, razors, tooth supplies, medicines,
aromatherapy bottles, perfume,
Jewelry
Clothing
oh my gosh this is a huge list- shoes, dresses, pants, party outfits, costumes,
winter clothing, bathing suits…
Don’t
forget your Christmas ornaments and all the decorations, candles, gee gaws and
nick nacks
Ask for help. We are all in this together.
LOVE and hugs and prayers
C G
LOVE and hugs and prayers
C G
