Friday, March 22, 2019

Camp Fire Debris Removal Program Deadline Passed

March 15th was the deadline to “Opt-Out” of CalRecycle Debris Removal Program. If you are already in the CalRecycle Program, you may not “Opt-Out” to the Alternative Debris Removal Programs.

However, if you are not signed up for either program, you may still submit an Alternative Work Plan.

If we can help provide you guidance or be of any help in general, please feel free to contact me and I will provide whatever help I can at no charge.

Read more here!

Wednesday, January 23, 2019

Crucial Steps in the Rebuilding Process

Here’s the scenario many in Paradise face, your home is a total loss, destroyed - you’ve now hopefully still managed to enjoy the holidays, and you’re starting to face the reality of the rebuilding process, looking at insurance coverage, deciding to even re-build at all.  In case any property owner is unaware, you have two decisions to make BEFORE January 31, 2019 that are crucial to the cleanup and re-building process:  1. You sign a right of entry form, found here, wherein you are signing up for the government-sponsored program to have all the testing, cleanup, debris removal, etc. done be federal contractors, or 2. You sign an opt-out form, found here.

Thursday, January 10, 2019

Determining Insurance Coverage: Trickier Than One Would Think

Determining Insurance Coverage for debris removal is apparently trickier than one would think.  As we advised previously, the first step for homeowners in regards to the debris removal program should be to determine your insurance coverage for debris removal.  What we first believed to be a simple question you should pose to your insurance agency turns out to be significantly more complex.

Read more here.

Wednesday, December 19, 2018

What Most Insurance Companies Provide Coverage For

Most insurance companies provide coverage and replacement costs for 3 distinct items:

  1. Your structure
  2. Your contents/possessions
  3. Other structures on your property

Each of these items has a policy limit specific to your property (many insurances let you utilize 5% of the policy limits for each distinct item). Your coverage for debris removal is likely a cumulative total of:

  • 5% of your policy limit for structure replacement
  • 5% of your policy limit for content/possession replacement
  • 5% of your policy limit for other structures replacement

Utilizing these 5% portions of your coverage typically doesn’t come out of the replacement costs provided by your insurance company. Make sure to verify this with your insurance company since this information may not be disclosed without you asking for obvious reasons.

Read more about insurance coverage for the Camp Fire here.

Monday, December 17, 2018

Asking Your Insurance Agent About Debris Removal Coverage

Determining and maximizing insurance coverage for debris removal is trickier than you’d think. As we advised before, if you’re a homeowner in the debris removal program, you should first determine your insurance coverage for debris removal. Asking your insurance agency this simple question is more complex than we first thought. Here’s what you should ask your insurance agent:

  • What does my insurance cover for debris removal?
  • Is that portion of my insurance coverage separate from replacement costs coverage for my structure, contents, and other structures on my property?

We have found that most insurance companies have coverage that goes beyond simple replacement costs. (i.e. the coverage for debris removal, or at least a portion of, would be provided by your insurance beyond your standard coverage at no cost to you).

Learn more about insurance coverage for the Camp Fire here.

Wednesday, December 12, 2018

2 Common Questions from Residents Affected by the Camp Fire

The pressing questions most residents want to know are when can I get back into my property and when can I begin to re-build.  It appears some residents have been given access, although numerous warnings have been issued regarding hazardous materials and dangerous conditions being present.  Meanwhile, some areas remain under mandatory evacuation.  Detailed information for both scenarios can be obtained here:  https://buttecountyrecovers.org/re-entry.  The second question regarding when can residents begin to re-build is significantly more complicated to explain.  As laid out in our previous write-up, this is a multi-step process that consists of assessing and removing hazardous wastes (predominantly household hazardous wastes and obvious asbestos); removing ash and fire debris; excavating 3-6 inches of ‘contaminated' soil beneath the ash footprint; collecting confirmation soil samples and submitting them for analysis to ensure a ‘clean/safe' lot for re-building; and, ultimately providing a report specifying completion of all of these activities to the County of Butte/Town of Paradise wherein they will ‘certify' satisfactory cleanup of individual lots and clear them for re-building.  Our previous write-up, Rebuilding After the Camp Fire, explains this process in more detail.

Read more here!

Monday, December 10, 2018

New Website Launched for Residents Affected by Camp Fire

The County of Butte and Town of Paradise have launched a new website to provide residents affected by the Camp Fire with a one-stop-shop for information and resources for recovery efforts (https://buttecountyrecovers.org/).  The website appears very well put together and offers information from housing for displaced residents to re-entry to the debris removal programs.  Guzi-West will continue to monitor this website, and others, for current information on the recovery elements being developed for the Camp Fire.

Learn more here!

Camp Fire Debris Removal Program Deadline Passed

March 15th was the deadline to “Opt-Out” of CalRecycle Debris Removal Program. If you are already in the CalRecycle Program, you may not “Op...