Tips for Disaster Survivors

I found this article and thought it actually has some great advice. Take a look!

We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously underinsured in the event of a disaster.

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We're big fans of getting all of your ducks in a row with a scope of loss to make sure the insurance company is giving you a fair estimate (Read our free eBook for more information on a Scope of Loss). A very common software used in the industry for this purpose is Xactimate. I read an article recently that stated that while building material costs are going up, the value of those building materials is going DOWN in Xactimate.

Here is the graphic they provided in their story (read it HERE):

I encourage anyone going through a loss to still go through the pricing exercise but have all prices verified by a contractor who actually builds houses or performs the kinds of repairs you're having done to make sure you don't get short changed!


A follow up blog post specifically addressing California was posted HERE.

About 18 months after the Waldo Canyon fire in Colorado Springs, a fire survivor wrote to let us know they had finalized their claim and even gotten all of their code upgrade coverage. In their case they weren't underinsured. Here is how they did it.

First of let’s see the numbers. I’m going to change the numbers to make it easier to understand.

Coverage A was stated on the declarations page as $500,000. They had extended replacement at 25% or $125,000. The ordinance and law (OL) portion of the policy stated that the insurance company would cover 10% of the dwelling portion of the claim. This language is important as some OL coverage specifically states that they cover 10% of the stated limit of A, not 10% of the dwelling. What’s the difference? Let’s see!

Inspirational Quotes

Life isn’t about how to survive the storm, but how to dance in the rain.



Unless you’ve been through the disaster recovery process, you don’t know what you don’t know. Inexperience leaves you at a disadvantage and vulnerable to bad advice. Well wishing family and friends may inadvertently offer you bad advice. Despicable people who make a living preying on ignorance and desperation will target you in hopes of persuading you to accept bad advice. CARe will help equip you to discern what is in your best interest.

2003 Grand Prix Fire Survivor, Claremont CA