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Community Assisting Recovery, Inc.

“Survivors Helping Survivors” • 888-216-8264 • carehelp.org

 

Index:

This Week’s Meeting Schedule:

Insurance/Recovery Tip: ... Replacing Cash and Savings Bonds

CARe Update: ...................Legal Insurance Meetings

SDG&E Lawsuit Q&A: .......SDG&E Lawsuit Q&A

Disaster Recovery: ........... ‘Healing Field’ to mark wildfire's anniversary

Insurance Industry: .......... Study Finds Economic Costs of Federal Cat Legislation Burdensome

Disaster Prepared: ...........Online Backup

Disaster News: …….......... Wildfires scorch state, federal budgets

Quote of the week: ......… By President John F Kennedy

Help CARe provide assistance to disaster survivors and continue our free services.

Click HERE to donate.

 

 

 

This Week’s Meeting Schedule:

Date

Time

Topic

Location

Tuesday, Aug 26

6:30 PM

Crunch Time

Dulzura Community Center -  1136 Community Bldg Rd, Dulzura CA 91917                  -   MAP

Wednesday, Aug 27

5:00 PM

Allied Insured ONLY

Holiday Inn - 17065 West Bernardo Drive, San Diego CA 92127                                     -    MAP

Wednesday, Aug 27

6:30 PM

Insurance Legal Info Special Guest Speaker
Brian Heffernan

Holiday Inn - 17065 West Bernardo Drive, San Diego CA 92127                                     -    MAP

Saturday, Aug 30

10:00 AM

Crunch Time

Fallbrook Community Baptist Church - 731 S Stagecoach Ln, Fallbrook CA 92028   -   MAP

 

Insurance/Recovery Tip:

Replacing Cash and Savings Bonds

Most of us found out the hard way that fire safes just don't help in a firestorm. Worse yet, many of the things we keep in there usually aren't covered by insurance. Here are a few tips for replacing these items.

If you can find fragments of your currency (paper or coin) you can turn it in the Federal Government and they can replace it. Check out their website for details:
http://www.moneyfactory.gov/section.cfm/8/39

If you had stock certificates usually the corporation has their own procedures. For example here is the clause form the Time Warner website:

SECTION 4. Lost, Destroyed and Mutilated Certificates.
The holder of any certificate representing any shares of stock of the Corporation shall immediately notify the Corporation of any loss, theft, destruction or mutilation of such certificate; the Corporation may issue to such holder a new certificate or certificates for shares, upon the surrender of the mutilated certificate or, in the case of loss, theft or destruction of the certificate, upon satisfactory proof of such loss, theft or destruction; the Board, or a committee designated thereby, or the transfer agents and registrars for the stock, may, in their discretion, require the owner of the lost, stolen or destroyed certificate, or such person's legal representative, to give the Corporation a bond in such sum and with such surety or sureties as they may direct to indemnify the Corporation and said transfer agents and registrars against any claim that may be made on account of the alleged loss, theft or destruction of any such certificate or the issuance of such new certificate.

To replace lost savings bonds, follow the procedures outlined on the Federal Reserve's website:
http://www.ustreas.gov/education/faq/markets/redemption.html#q3

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CARe Update:

Legal Insurance Meetings

With the one year statute of limitations closing in for most 2007 fire survivors, CARe has been asked to help organize meetings so you can get your questions answered regarding this deadline. Brian Heffernan has agreed to speak at a series of meetings in the next month. He is not there to solicit your business, but to answer your questions regarding this deadline.

Brian Heffernan is an attorney, and insurance and business litigation expert with the prestigious law firm of Engstrom Lipscomb and Lack.  Mr. Heffernan is a top litigator with 21 years of civil litigation experience.  Mr. Heffernan is a Judge Pro Tem in the Los Angeles Superior Court.  He has been with Engstrom, Lipscomb & Lack since 1985.  The law firm does not solicit nor advertise.  Their website, www.elllaw.com, provides a summary of their vast civil litigation experience.  Mr. Heffernan and Engstrom, Lipscomb and Lack started working with San Diego wildfire victims in 2002 (Fallbrook) and 2003 (Julian, Crest, Ramona, Valley View and San Diego).  Representing a number of 2007 San Diego fire victims for SDG&E and insurance claims, and, as after the 2002 and 2003 fires, Mr. Heffernan devotes much of his practice to wildfire insurance and business litigation at the San Diego Superior Court.

The first meeting is this coming Wednesday, August 27 at 6:30PM which will be held at the Holiday Inn located at 17065 West Bernardo Drive, San Diego CA 92127.

The next meeting in the series will be taking place in Ramona on Wednesday, September 3 at 6:30 PM which will be held at the Ramona Lutheran Church located at 520 16TH Street, Ramona, CA 92065.

Other meetings in San Diego will be scheduled in Poway and Fallbrook so stay tuned!

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SDG&E Lawsuit Q&A:

For those of you who missed it before, if you’d like to access our SDG&E FAQ, please click the following link:

http://www.carehelp.org/SDGELawsuitRumors.htm

If you’d like a printed version of the sheet, please go to:

http://www.carehelp.org/downloads/SDGERumors.pdf

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Disaster Recovery News:                   

‘Healing Field’ to mark wildfire's anniversary

Jul 23, 2008

Rancho Bernardo Community Park, staging ground for fire personnel during the Witch Creek fire last October, will be converged upon again in October 2008.

[more HERE]

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Insurance Industry News:                  

Study Finds Economic Costs of Federal Cat Legislation Burdensome

August 22, 2008

Natural catastrophe legislation passed by the U.S. House of Representatives and pending in the U.S. Senate would create a multi-billion dollar burden on taxpayers in at least 20 states, according to a new study released yesterday.

[more HERE]

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Disaster Prepared:

Online Backup

If you have ever lost computer data, you know how valuable it can be... and most of it is not covered by insurance. Take out your OWN insurance, but using an online backup service.

There are a couple of services out there that are free, but most of them have limitations on how much you can store.

http://briefcase.yahoo.com limits you to 25MB
http://www.xdrive.com/ limits you to 5gb
the first 2gb are free on www.mozy.com and www.diino.com

The two biggest contenders for paid services are www.mozy.com and www.carbonite.com. They are both offer an unlimited amount of storage and are relatively cheap (about $50/year) and last time I checked they offered referral bonuses. Here are a couple of reviews so you can decide for yourself.

http://sanity.blog-city.com/mozy_versus_carbonite_automated_backup_services.htm
http://lifehacker.com/software/lifehacker-faceoff/online-backup-final-round-mozy-vs-carbonite-302597.php

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Disaster News:                          

Wildfires scorch state, federal budgets

By DON THOMPSON - Associated Press | Wednesday, August 13, 2008

SACRAMENTO ---- Faced with hundreds of sprawling, hard-to-control blazes, California is struggling with what could be its most expensive wildfire season ever, burning through nearly $300 million in just the past six weeks.

[more HERE]

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Quote of the Week:                   

"All this will not be finished in the first one hundred days. Nor will it be finished in the first one thousand days... nor even perhaps in our lifetime on this planet. But let us begin.” - President John F. Kennedy

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Community Assisting Recovery, Inc.

19360 Rinaldi Street, PMB 220, Northridge CA 91326
www.carehelp.org
888-216-8264