We'd like to thank everyone who has supported us over the years through volunteering and donations to our organization. Our focus is to help survivors help themselves through educating them about the insurance claim process. Our family went through the process following the 2003 Southern California Wildfires and we know how confusing it can be, luckily CARe came to our community and held classes that directly helped us recover much more than we would've known to ask for.
I had a survivor ask a question recently regarding staying with a relative and getting reimbursement via your Loss of Use aka Additional Living Expenses (ALE) coverage.
Let's say you have a covered loss and for the first week (or month etc), instead of staying in a hotel you stay with a friend or relative until you're able to find appropriate living arrangements. You can claim a reasonable charge for your stay there and reimburse your family member for their generosity. The key is REASONABLE. Only you know the cost of a hotel in your area and how it compares to the quarters in which you're staying, but if you still have no idea you can contact a local hotel and ask how much they charge. Don't forget to include meals paid for by your host.
The next question this survivor had was how to make this claim. My advice was to find a blank invoice online somewhere and use the form to claim a daily/weekly rate. They included a separate line item for meals provided during their stay.
[Editor's Note: The following study abstract was forwarded to me and I thought it was of interest.]
With the potential for worsening fire conditions, discussion is escalating over how to best reduce effects on urban communities. A widely supported strategy is the creation of defensible space immediately surrounding homes and other structures. Although state and local governments publish specific guidelines and requirements, there is little empirical evidence to suggest how much vegetation modification is needed to provide significant benefits.
You probably know the ominous feeling: As a storm or hurricane sweeps through your community, you’re huddled safe at home or in a nearby shelter … and without warning, the lights all flicker and die. You’ve lost power, and experience says it could be a while before you get it back. What do you do now?
SAN MARCOS, Calif. - People living in fire-ravaged areas of San Diego County are preparing for Tuesday's rain storms. The Cocos Fire came within feet of Kerry Coleman's home. Monday night, several measures were in place to help prevent the burned vegetation on the hillside behind his house from turning into a mudslide. There were sandbags along his property line, straw wattles and the entire area had been sprayed with hydroseed.
September brought the reality of wildfires to the forefront in the Lake Tahoe Basin. The King Fire came within eight air miles of the U.S. Forest Service Lake Tahoe Basin Management Unit boundary, and as containment was imminent, the Cascade Fire broke out in the Desolation Wilderness. Rain and snow quickly brought an end to both fires.
With a relatively mild autumn in many parts of the country, now is a good time to take steps to winter-proof your home and make sure that you have the right type and amount of insurance, according to the Insurance Information Institute (I.I.I.).
Standard homeowners and renters policies cover winter-related disasters such as burst pipes, ice dams and wind damage caused by weight of ice or snow, as well as fire-related losses. Coverage for flooding is available from the National Flood Insurance Program and from some private insurance companies.
Sensors relayed a message to the 911 Emergency Communications Center on Turk Street in San Francisco immediately after the earth slippage seven miles deep, causing the south Napa earthquake. “Earthquake, earthquake, light shaking expected in nine seconds,” an electronic voice said.
SILVERADO – The nearly 1,000-acre Silverado fire was accidentally ignited by the sun reflecting off metal sheeting around a backyard vegetable garden that was to keep out rodents, a fire official said. The 2-foot-high metal sheeting was supported by a wooden border that dried in the reflected sunshine and eventually caught fire, Orange County Fire Authority Capt. Steve Concialdi said. The homeowner is not expected to face any penalties or fines because investigators determined the fire was accidental, Concialdi said.
Don't wait until everything is just right. It will never be perfect. There will always be challenges, obstacles and less than perfect conditions. So what. Get started now. With each step you take, you will grow stronger and stronger, more and more skilled, more and more self-confident and more and more successful.
I attended Saturday, Sunday and Wednesday partial loss only session.
Each of the meetings I learned something very useful by your presentation and by the interaction from other attendees. Your looking out for our welfare is a blessing and God sent.
You already know that what we are going through is harder than any of us realize since you have experienced this yourselves and helped in many catastrophes. Your looking out for our welfare is a blessing and God sent.
I want to personally thank you and CARe for what you do.
Your heartfelt compassion and teaching what matters to people that have been in harms way is a cause that touches many and gives hope in a world that is so full of anything but care and compassion.