We're all overwhelmed and there are dozens of separate resources.

Here's a simple curated site to help.
Organized by a generational Palisadian who lost their home.

For Palisadians to rebuild their homes and their lives.

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PPCC Meeting
(1/23/25)

:00 🌟 The meeting is focused on addressing recovery and future steps post-wildfire. The Pacific Palisades Community Council (PPCC) reaffirms its mission.

02:16 🔍 The PPCC's goals include being a community forum, advocating on widely agreed issues, and aiding local organizations.

02:57 💔 Sue Cole, PPCC president, shares personal and community losses from the fire, emphasizing resilience and rebuilding.

04:18 🔑 The meeting aims to gather key recovery information from officials and is recorded for those who can't attend.

04:44 👥 Key speakers include city, county, and state officials such as Mayor Karen Bass and LAPD Chief Jim McDonald.

06:33 ✉️ Attendees can submit written questions for officials; focus is on current needs rather than blame for the fire.

09:14 🏠 Mayor Karen Bass commits to 100% rebuilding of the community, addressing red tape issues and ensuring recovery efforts.

11:18 🌧️ Upcoming rain poses risks; officials are working on safety and recovery planning in anticipation of weather challenges.

12:55 🤝 Mayor Bass highlights cooperation among government levels and emphasizes ongoing communication and support.

19:11 💪 Councilwoman Tracy Park pledges support and outlines the recovery efforts, including the creation of a recovery committee.

23:08 🚨 DA Nathan Hawkman discusses criminal activities exploiting the crisis, like looting and price gouging, and assures strict responses.

29:50 🎁 Donations Encouragement: Ensure donations go to legitimate organizations like the American Red Cross and verified GoFundMe sites to avoid scams.

30:46 🚫 Insurance Scams Alert: Beware of fraudulent agents promising quick insurance recoveries in exchange for upfront payments.

31:28 🔍 Verify Contractors: Check contractors' licenses via the Contracting State License Board to avoid scams.

32:09 🏛️ Government Benefits Caution: Warning of scams targeting state and federal aid; authorities promise strict enforcement against scammers.

34:12 🏡 Community Rebuilding: Optimism expressed for rebuilding the Palisades community even better than before.

35:09 🚓 LAPD Support: LAPD committed to supporting the community and managing disaster recovery resources effectively.

36:44 🚔 Crime Prevention: LAPD collaborates with CHP and National Guard for perimeter control and crime suppression.

38:05 🚒 Environmental Safety: Emphasis on ensuring environmental safety before repopulation post-disaster.

39:18 🐕‍🦺 Recovery Efforts: Use of cadaver dogs for respectful recovery of remains.

41:09 🎒 School Rebuilding: Commitment to rebuilding destroyed schools in the Palisades with temporary relocation solutions in place.

52:54 📚 Educational support efforts: Mental health support and tutoring are ongoing, and plans for a satellite location are in progress while the main campus is being restored.

54:06 🙏 Condolences: Supervisor Lindsay Horvath expresses sympathy for those who lost homes and community spaces and commits to restoration efforts.

54:55 🌧️ Debris removal and storm preparation: The county leads debris removal with EPA and Army Corps of Engineers; two phases include hazardous waste and fire debris cleanup. Residents have options for government or private contractor services.

58:23 🏠 Health and safety concerns: Officials advise against returning to properties due to health risks; PPE will be provided upon return authorization.

01:01:12 📬 Mail relocation and federal assistance: Mail and federal document assistance is available, and residents are encouraged to continue pursuing FEMA aid even if initial messages indicate denial.

01:07:03 🏛️ Legislative support: State Senator Ben Allen discusses new funding for cleanup, temporary shelter, and rebuilding efforts, along with health and safety preparations ahead of potential rain.

01:12:36 🛡️ Protective measures emphasized: Personal protective equipment is strongly recommended for those returning to affected areas to mitigate exposure to toxic debris.

01:14:01 🔍 Communication hurdles: Technical difficulties for some speakers; community is reminded of available channels to raise questions or concerns.

01:16:34 🔥 The dispersal of fire crews from the Santa Monica Mountains was prevented with behind-the-scenes support, providing crucial resources to fight the Palisades Fire.

01:17:29 🏦 Over 270 state-chartered banks and lenders are offering mortgage relief to property owners in the designated fire areas.

01:18:11 📜 Two bills, AB 238 and AB 239, aim to provide financial relief and establish a state-led disaster housing task force for long-term recovery.

01:18:50 💰 An amendment has allocated $4 million to expedite cleanup and support rebuilding efforts.

01:19:19 🆘 A local Disaster Assistance Center offers immediate FEMA assistance and guidance on all necessary aid.

01:20:02 🌧️ Concerns about mudslides and debris flows are heightened due to upcoming rain, with ongoing efforts to mitigate potential damage.

01:21:06 🚒 CalFire emphasizes a unified command with local agencies to collaboratively manage fire-related operations.

01:22:35 👨‍🚒 Over 5,100 first responders were involved in firefighting efforts, and plans for repopulation and weather monitoring are underway.

01:25:09 🗓️ A Town Hall meeting about debris removal is being organized, with options to participate by Zoom for those who cannot attend in person.

01:26:32 🏠 Residents are eager to know when utilities will be fixed, lots cleared, and rebuilding can commence, but specific timelines are challenging to define.

01:28:54 🌐 Councilwoman aims to streamline rebuilding processes; efforts are focused on community restoration like parks and schools.

01:31:31 🏞️ Heavy rain is expected, with preparedness plans in place to manage flood risks and protect against debris from the fire-damaged areas.

01:39:38 🍅 Residents inquire about the safety of existing plants and the presence of toxins; a unified command is making repopulation safety decisions.

01:40:26 🧹 Debris removal is critical in recovery efforts, with Army Corps of Engineers assisting in clearing lots for rebuilding.

01:41:19 ⏳ Debris removal could take up to 18 months, highlighting the lengthy recovery process.

01:42:00 🏠 Residents impacted by debris have protections in place, especially those with standing structures.

01:43:19 ⚠️ Soil is heavily polluted post-fire; interaction without protective gear is unsafe.

01:44:56 🆓 Opting into the debris removal program is free; opting out requires personal insurance coverage.

01:45:51 🌳 Debris and toxin removal in Santa Monica Canyon includes addressing fire impact and sediment management.

01:46:44 ⚡ There is legislative effort to focus on underground utility rebuilding for enhanced safety.

01:48:34 🚰 Water samples show no harmful contaminants post-fire; restoration efforts are ongoing.

01:51:36 🚧 Assessment and clearance process for re-entry into affected areas is detailed and regulated for safety.

01:55:19 🕒 The Corps of Engineers is committed to an 18-month timeline for debris removal, with prioritization upon signup.

01:58:07 📞 Residents have a hotline to inquire about debris removal specifics and opt-in procedures.

02:03:11 📅 A town hall focusing on debris removal is scheduled for Sunday, encouraging community participation for clarity on related processes.

02:03:39 🖋️ The right of entry form requires a wet signature, will eventually be available online, and can be printed at the disaster recovery center.

02:04:21 🚱 Water restoration timelines are uncertain and may depend on debris removal, with LADWP to provide updates to the community.

02:05:07 🏠 Access to certain areas like the Palisades Bowl mobile home park is restricted; there's uncertainty about the park owner's intentions for the property.

02:06:17 📜 Discussions with state officials are ongoing to address property owner disputes and preserve rent-controlled mobile home parks.

02:08:46 🔌 LADWP plans to underground utilities in the Palisades as part of the rebuilding process.

02:10:53 ⚠️ Debris removal will involve taking six inches of soil within the ash footprint based on fire hazard studies.

02:13:43 🏗️ Coordination among agencies is crucial for infrastructure repairs, aiming for a timely restoration of utility services.

02:14:11 🔧 The gas company is actively working on repairing connections, prioritizing safety and leak prevention.

02:15:47 ⏳ Timelines for various operations are still uncertain, with authorities committed to providing information as it becomes available.

02:17:21 🚧 PCH reopening lacks a definite timeline; safety is a priority during utility repairs.

02:20:21 🚔 Security measures include checking IDs, geofencing areas, and deploying cameras and rapid response teams to prevent unauthorized access.

02:25:37 🔄 Miscommunication between agencies has led to mixed messages about returning home; agencies now meet daily to coordinate updates.

02:27:18 🌐 Debris removal details to be discussed in upcoming community meetings; residents encouraged to attend for clarity.

02:29:21 🏢 Insurance commissioner lobbying to have FAIR Plan reps at disaster recovery centers for better assistance.

02:31:14 ⚕️ Authorities are balancing insurance adjusters' access with fairness to residents; engaging insurance commissioner for better protocols.

02:34:30 🏠 Disaster recovery centers planned to be open for up to 90 days; virtual access to resources has been announced.

02:36:33 ❗ Authorities strongly advise staying indoors in fire-impacted areas due to air quality concerns; N95 masks recommended for outdoor activity.

02:38:00 💧 Water tested for volatile organic compounds with encouraging results so far; broader testing plan forthcoming.

02:41:01 🚔 Police provide resident escorts into affected zones; residents can bring insurance adjusters in the same vehicle.

02:44:14 🔓 Evacuation planning improvement highlighted as essential due to recent challenges; authorities committed to addressing issues.

02:47:13 🛤️ Plans for transportation improvements and route widening in Palisades are under discussion to enhance safety and accessibility.

02:49:05 🔍 Building tags indicate damage levels: red for major issues, green for minimal damage, and yellow for moderate damage.

02:50:13 🏠 GIS system classifications: red tag means over 50% destroyed, green is less than 10% damage, black indicates no damage.

02:50:39 🛠️ Tags focus on structural integrity only, not environmental safety risks, like mud or debris flow.

02:51:10 📄 Legal matters regarding property loans and taxes should be directed to the county assessor and insurance commissioner.

1. BE SAFE & FIND HOUSING

Wear protective gear and return home only when it's safe. Secure temporary housing through Airbnb assistance, FEMA support, insurance-provided Additional Living Expenses (ALE), supply has been lowered at the same time demand has increased. Be on top of it.

2. DEAL WITH INSURANCE

File claims promptly, document every conversation with your adjuster, keep track of all costs during this time, take photos of receipts, and consider legal or professional help, like public adjusters or contingency-based firms, if pushback arises.

3. REBUILD THE PALISADES

Partner with trusted architects and contractors to design a fire-resilient home, using insurance funds and resources like SBA loans. Incorporate fire-resistant materials and defensible space to prepare for the future. If you're considering selling instead of rebuilding, go here for resources.

FIRST OF ALL:

Make sure you and your family are safe. Nothing is more important.

A home is a home because of the people that make it one.
Allow yourself grace as you navigate this challenging and overwhelming process.

Let's express as much gratitude we can. We'll get through this.
For mental health support, check out these therapists offering pro-bono work.

***Note: I'm not a lawyer, insurance agent or CPA. This is not legal or tax advice. I'm just a Palisadian who lost his home and is trying to organize all the most helpful content in one easy place to access. This is not a substitute for professional advice, but hopefully it helps you get through this!**


FIRE CONTAINMENT AND EVACUATION ZONES:

Download the Watch Duty App.


TEMPORARY HOUSING

Insurance Tips:

  • Request ALE coverage from your insurance for hotels and 12-month lease solutions. They are overwhelmed and not calling back some clients, do not rely on them finding a solution for you.
  • Besides covering rent, you may be able to request a stipend from insurance that allows you to save money by staying at more affordable accommodations or with friends and family. They may be able to start the stipend immediately. I was offered a $6k/month stipend from my Homesite Insurance via Geico.

FILING YOUR INSURANCE CLAIM

File a claim. Do it now. Insurance will be overwhelmed. It's better to get in the queue.


They may request photos showing the loss of your property. You may be able to be escorted to your property for medications, and recover other necessities and valuables. Take photos while you're there and wear an N95 mask, the air is a cesspool of volatile compounds, plastics, and toxic building materials (especially if you had an older house which may have asbestos, lead paint etc.)

1. Keep a record of every conversation with insurance. You will not remember it all. After each call send your adjuster an email with everything that was discussed.

2.
Ask your insurer to advance 4 months of living expenses, and 30% of your personal property limits up to $250,000. Your insurer is required to provide you this under California law.

3. Keep all your receipts of charges you make from here on out. Take a photo immediately of the receipt and save it to an album on your phone or Google Drive. Save the physical receipt too.

Insurance Regulations In Place to Protect You:

1) Insurer must advance 4 months of ALE immediately when you lose your home in a declared

state of emergency. CA Ins. Code 2061 (a)(1).

2) If you don’t want to rebuild, you can use ALL of your coverages, including extended

replacement coverage and building code upgrades, to purchase a new home or rebuild. Cal

Ins. Code 2051.5 (c); CA Ins. Code 10103.7(a)

3) Insurer cannot deduct the value of your land from a replacement home purchased. Cal Ins.

Code 2051.5 (c)(2)

Join The Insurance Specific Whatsapp Groups:


State Farm https://chat.whatsapp.com/KvEBAeeWIiV2fOtawtToYH


Mercury https://chat.whatsapp.com/D6ebKAVgBc5JzGvkKVvSDA


Knights https://chat.whatsapp.com/JhepZbSk6ifFWL35jDyTyN


AAA https://chat.whatsapp.com/EwYCBX8wQcRINrCxQLUVTY


USAA https://chat.whatsapp.com/GXLMTb7ZgvU3TsHIKPs0no


Calif fair plan group https://chat.whatsapp.com/GS8Eh7pjh5v7XpFCYq410n

Simplifying Processes

  • Content Claims: Some insurance companies are offering 75% of private property content limits without requiring detailed itemization. Ask your adjuster what's the best they can do without an itemized list.
  • Advance Payments: Request advance funds for immediate needs like lodging, clothing, and essentials while awaiting your full claim settlement. Palisadians have received tens of thousands up front.
  • Public Adjusters: Consider hiring professional help (they may take 10% of settlement fee.) This is most important if you face resistance or low-ball offers from your insurance. Information below.

Insurance Claims Support

  • Bright Harbor: Assists in creating disaster recovery plans, filing insurance claims, and connecting with vendors for recovery.
  • Legal Corner Law Office: A contingency-based firm helping homeowners maximize insurance claims after total loss or damage.
  • E5quire Law: Provides free consultations on insurance contracts and contingency-based representation for claims.


Public Adjusters that have come recommended:

Megan Withnell, SPPA - CA Public Adjuster License #2I33841

9301 Corbin Avenue, Suite 2100

Northridge, CA 91324

 

818-386-1313 (Office)

800-228-3550 (Toll Free)

818-489-5398 (Cell)

megan@greenspan.com

www.greenspanai.com

 

Brad Deutch, CPPA - CA Public Adjuster License No.: 2I18073

+1-866-706-9833 (Toll Free Direct)
+1-310-740-0078 (Cell)
+1-818-386-1313 (Office)

brad@greenspan.com

https://www.greenspanai.com/about/our-team/brad-deutch/   
www.greenspan.com


FINANCIAL SUPPORT

Apply for FEMA Support.

FEMA is primarily for losses NOT covered by your insurance. If you have insurance you will likely get denied. However as you are able to see if losses will be larger than what is insured you may be able to file an appeal.


Apply For SBA Low-Interest Loans.

  • Fraud Prevention: Monitor your identity and ensure claims are not being made fraudulently in your name.
  • Chase Sapphire or Amex Benefits may cover purchase protection from recent purchases that were lost to the fire.


PROPERTY TAX RELIEF

  • Property tax relief is expected to be available for homeowners impacted by the fires.
  • Deadline: Forms must be filed within 12 months of the fire, so there’s no immediate action required.

    Second Installment Due: April 10, 2025.

    Option 1. Pay the full installment and request a refund later.

    Option 2. Do not pay and instead file Form ADS-820 by April 10, 2025 (Disaster Relief Form Link).
  • The LA County Assessor mentioned in a press conference that new legislation may provide further property tax relief. Property tax counsel is actively reviewing the situation for updated advice.

INCOME TAX DUE DATES

  • The President has declared the LA County fires a major disaster.
  • Potential Extensions: While the IRS and FTB (California Franchise Tax Board) have not formally announced extensions (as of 1/10), historical precedents suggest that due dates will likely be extended soon.
  • Recommendation: Consider holding off on paying Q4 federal and California estimated taxes (due January 15, 2025). Monitor for updates from the IRS and FTB, which are expected in the coming days. Talk to your CPA.

REBUILDING YOUR HOME

  • You have the option to rebuild or to take the cash they're offering you, however most have said it's better to tell insurance you plan to rebuild as they are more likely to take your case seriously.
  • If you choose to rebuild review these resources.
  • Check that contractors and architects are licensed (so you are less likely to get scammed.)
  • The permitting process will likely be highly expedited which is great, however the demand for construction may create significant delays.

REBUILD YOUR HOME RESOURCES

  • Rebuilding your home after a fire guide
  • Federal/State/Local Assistance
  • Architects & Home Builders
  • License Lookup for Architects and Homebuilders (make sure you don't get scammed)
  • Insurance Contacts
  • Building Department Contacts

The Palisades

The Palisades is a special place, everyone who lived here knows it.

It won't be easy, but we can rebuild together.

If there are important additions to include or errors to fix please email j.atlanbiz@gmail.com.

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