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. Community Assisting Recovery, Inc. “Survivors Helping Survivors” • 888-216-8264 • carehelp.org
Upcoming
Meeting Schedule:
GET YOUR NUMBERS—to maximize your insured
loss!!! Whether you are 15 days or 15 months into your disaster recovery, documenting ALL of the costs of your insured loss is essential to receive a fair and full insurance settlement. It is never too late nor is it ever too soon to GET YOUR NUMBERS! Insurance company numbers are their numbers, NOT yours. For your best settlement, you need to get your numbers, starting with your house, since all other numbers are percentages based on your house! NUMBERS TO GET: ·
HOUSE (mobile, modular or mansion) o
TOTAL REPLACEMENT COST to “turn key”
condition o
Qualify for “BUILDING EXTENSION”
percentage o
Document BUILDING CODE requirements o
Collect any DEPRECIATION or HOLD BACK ·
OTHER STRUCTURES o
Every structure on the property
damaged or destroyed ·
PERSONAL PROPERTY o
ALL items damaged or destroyed o
SALES TAX o
DELIVERY and SETUP o
MOVE BACK expenses o
Collect any DEPRECIATION or HOLD BACK ·
ADDITIONAL LIVING EXPENSES (ALE) o
LOSS OF USE or LOSS OF RENTS o
RENTAL furniture o
Collect RECEIPTS for reimbursement o
Collect RECEIPTS for TAX record
documentation o
MILEAGE expenses Call CARe at
TOLL-FREE, 888-216-8264 or LOCAL, 818-216-0123. ______________________________________________________________________________________________ CARe Update: CARe is pleased that we have been asked to assist the San Diego County Indian tribes to revise property and casualty insurance coverages to better insure tribal properties. While tribal insurance is already consumer friendly through a version of self-insurance, tribal representatives, including Recovery Team leader Adam Geisler, have recognized from the 2003 and 2007 wildfires that risk management can be improved to provide greater benefits to all its members. The insights and experience of SD local tribes will then be extended to improve tribal insurance coverages nationwide. ______________________________________________________________________________________________ SDG&E
explains countersuit threat to establish rights The plans by San Diego Gas & Electric to counter-sue
October 2007 fire victims serves the purpose of establishing the utility’s
legal rights and obligation limits in the event of a lawsuit against
SDG&E. http://www.thevillagenews.com/story/36210/
______________________________________________________________________________________________ Up
from the Ashes Certain events transcend the power of words. There’s no
way, for example, to have a clue what it’s like to have your house burn down
until it actually happens. But there’s no shortage of words on this subject
in Tea Fire: Re-Birth, Craig Harris’s documentary about the devastation
wrought by the Tea Fire that tries to capture efforts of survivors to reclaim
their lives, their homes, and most critically, their spirit of community. The
movie’s most eloquent moments, however, come when the speakers fall silent
and the camera allows itself to linger on their faces. In these quiet
moments, a sense of loss and exhaustion seeps to the surface, as well as the
magnitude of the ordeal they face in rebuilding. http://www.independent.com/news/2009/mar/12/ashes/
______________________________________________________________________________________________ 10
Worst Insurers in America for Home Owner Coverage (2008) POA‘s ranking of the 10 worst insurers for 2008 is based
on claims handling and disproportionate premium hike complaints within our
databases. http://www.policyholdersofamerica.org/newsletter/march_2009/4.pdf
______________________________________________________________________________________________ Ways
To Improve Emotional Preparedness And Beyond The millions of people each year who suffer disasters
such as earthquake, hurricane, fire and flood are generally surprised to find
disasters happen not just to other people. Probably the most difficult aspect
following survival of a disaster is in having to enter the realm of the
unknown. Under the circumstances most people are not psychologically up to
the task. It is very common to see people in a state of shock, confusion and
helplessness. Those who are objective, informed and prepared are inclined to
be more emotionally level and competent. http://www.disasterprepared.net/preparedness.html
______________________________________________________________________________________________ California
Drought http://www.water.ca.gov/drought/ ______________________________________________________________________________________________ No one ever understood disaster until it came. -Josephine Herbst ______________________________________________________________________________________________ ... Help
CARe provide assistance to disaster survivors and continue our free
services: http://www.carehelp.org/contribute/contribute.htm ... For removal or subscription to CARe, Inc mailing list, please email info@carehelp.org Community Assisting Recovery,
Inc. 19360 Rinaldi Street, PMB
220, Northridge CA 91326 |
