50多岁的白人老阿姨，打过好几年交道，住在隔壁村。今天她在Instagram上发了房屋废墟照，看的我心头一紧. 这些年来一直觉得山火一来，对我们的影响就是断电+空气污染, 直到我看到她的遭遇，我彻底感受到了山火的凶猛。她家废墟的照片，我一个早上都难以忘怀。 给她发了慰问的短消息，如果她一切安定好后发起GoFundMe, 我会捐钱. Fire Insurance看来一定要买起来，重建房屋是一笔很大的费用。希望她之前有买，要不然这会是对她生活的一个沉重的打击。 ----------------------------------- 谢谢版友的指正，fire insurance是包含在房屋保险里的，earthquake insurance才是option。我刚才糊涂了。 ————————————- 更新：白人大妈回我短信了，她的保险可以的。我在短信里问了她家里的房屋保险能帮到房屋重建吗？ Absolutely. Its kind of amazing. They cover our housing, the personal loss and the home. We will build something. We wouldn’t even break even to sell with out a home on the property. Right now shopping has taken on a whole new meaning.
what? First time I hear this. I think fire insurance is pretty much the only major one insurance will pay for (not sure if arson is included). Flood or earthquake insurance, for an example, you do need to purchase seperately.
这个是房子烧过的经历分享 Dear fellow fire victims and friends of fire victims. Here are some quick notes I made this morning, please share with your friends. Sue me later if anything doesn''t check out, but for now, I hope this helps. My family and I lost four homes in the valley fire, I worked on all four insurance policy contracts for almost full recovery. I apologize to everyone who has lost or may have lost loved ones. I mean no disrespect to you or your community. I pray God Speed. By California law, and or industry agreement with the insurance commissioner, if your home is determined to be a total loss, you will receive some funds within 30 days of the loss. This check or checks almost certainly will not be all you are entitled to, but it can bring some relief. The fire victim starts in a quandary of wanting to do something, having little information, and being held back and at the mercy of many Government and quasi government agencies, trying to get out front and protect their space, and because they are official, the victim feels like they should have some guidance. THEY DON''T. If they haven''t lost a house, they assume your insurance in time will take care of you. If they have lost a house, they are confused and just putting on a face. Agencies stand in front of microphones and present a face of calm, but don''t feel like remaining calm will serve you, you need to take action, and these people who are acting calm are not the ones who will facilitate your recovery, you will! If a typical victim''s home was insured for 400k their policy is likely actually worth (Dwelling A)400+(Dwelling B)40+(personal)300+(ALE)160+(ERC)100+(Code upgrades)40+(cleanup)20+(trees and shrubs)20 = 1,080,000! Nearly three times what most people hope they are covered for (the replacement of their home). And, if the home has a mortgage, lets say, of 200,000, then these additional funds maybe very significant in helping finance the new replacement home. WARNING!!!!!! Many people are so overwhelmed by the situation that they may settle for half this amount and never recover what they are fully entitled to. Remember too, these dollars are tax free! How long would it take you to earn 540,000 after taxes? The second half of this hypothetical 1,080,000 for this victim may be the most life changing aspect of an already life changing event. Control of your situation and recovery begins when you resolve to get everything you are entitled to from your insurance company and local and federal agencies and services. One of these agencies is the Small Business Administration. In a national disaster, they will lend funds at very low interest rates if you qualify. Expect to qualify! You will only have 30 days to apply. There will be a deadline, and if you miss it, you are out. The difference between a $400,000 mortgage at 4.25% and 1.875% is approximately $500/mo. Apply, even if you think you don''t qualify or don''t need it. You can make that decision later. Today you need everything, but you also need the most important things first, especially those that are time sensitive and have the greatest impact on your long term financial health. Immediately, Red Cross and _______ will grant varying amounts of cash gift cards, and other groups will be trying to provide shelter and food and clothing short term. First step in the recovery of insurance proceeds will be the collection of your expenses to be reimbursed. Make two separate files: one named "personal" and one named "additional living expenses". All of your receipts for a long time go into one of these two files. It will all be reimbursed with some caveats that are excruciating to hear, but basically, additional living expenses means, not everything you spend, but just those expenses above what you normally spent before the fire. So, if you normally went out to dinner once a week, and now its every night, they will reimburse you for six nights of dinning, not seven. And after than amount is totaled, they may deduct a typical monthly grocery budget for what you normally spent on food, because, as the name implies, this is for the "additional living expenses" incurred due directly to the fire. When you are involved in a national disaster, you will have an extra 12 months, 24 months total to collect your ALE funds. Your ALE portion of your policy may have a cap of 40% of dwelling A, in this example, $160,000. It is possible to expend that much in 24 months. Some people negotiate the purchase of motor homes or travel trailers from this area of the policy. your insurance adjuster calls to meet with you, possibly a call from your agent to meet with adjusters in her office. They will walk your property and take notes about what things were where, and whether there was anything unique about your home that might make it particularly difficult/expensive to rebuild. They may classify the home as economy, or luxury or somewhere in between. Regardless, nothing the observe or take notes on controls your situation and the adjuster is not the final decider in how much you will receive, you are. Knowledge is power is very applicable to your situation as a fire victim. But where is your knowledge? Here it is. You have an insurance policy. On that policy that may be 100 pages long is one single page with almost everything you will need. That page is called the Declaration page. Without reading the declaration page, a victim is waiting for the adjuster to advise them on how much insurance proceeds the company feels it should pay. With the declaration page, you, the fire victim, can tell the adjuster how much you think you are entitled to receive. Typically, a policy is for a certain amount based on the square footage of your home and a reasonable estimate made by you and your agent at the time the policy was written as to how much per square foot the house might cost to rebuild. For example, if your home is 2,000 square feet, and you and your agent estimated that it would cost 200/square foot to rebuild, then your Dwelling A coverage, not all of the funds from your policy, but Dwelling A coverage alone, to cover the physical repair of just your residence, whether it is in fact enough or not, will be $400,000, less deductible, and less whatever might have been owed at the time. Don''t make any more mortgage payments. Advise your bank that they will be receiving a payoff as the home is a total loss. However, this is just the beginning, Dwelling A covers the home, Dwelling B covers the "other structures, like a barn, fences, solid set sprinklers, etc. and it is typically 10% of Dwelling A coverage, or $40,000 in this case. Personal Losses may be 75% of Dwelling A, or 300,000 in this example. Each item in the home will have to be itemized and presented to the insurance adjuster for payment. You reasonable recollection will generally suffice, but you will need to find a market price to provide the value of the item lost. Having a list to start from helps jog your brain. United Policy Holders is a non profit that provides such a list. You can go to Amazon.com and search for each item, and record its price. You may be counting boxes of toothpicks and feeling like its hopeless, but it adds up quickly, don''t despair, you will get it, but you are on your own in this very daunting task. Consider sharing lists with friends, and working in teams, and break up the job into tasks giving different people different rooms. It will turn out that you all have pretty much the same things, and even if what you had was different, the comparison you find will likely suffice. Additional Living Expenses were mentioned above. Extended Replacement Cost. You may decide to rebuild at your original location, or you may chose to rebuild elsewhere, or you may choose to purchase an existing home for sale at the location of your choice. In any case, the home you end up with may cost more than the Dwelling A coverage for the same size home. In a disaster, expect prices to be higher than the original estimate the policy was based on. Thousands of people are trying to rebuild and that demand puts pressure on resources, and prices tend to rise as a result. This rise is termed "demand surge" and some policies have an extra rider for it, but not typically. Never the less, if in this case, our hypothetical victim purchases or rebuilds a 2,000 square foot home of the same quality as she lost, and it cost $500,000, instead of the 400,000 she was insured for, the extended replacement cost, the ERC, will cover the additional 100,000 assuming she had paid for this rider. It is a typical piece of insurance and will be a percentage of Dwelling A, possibly 25%, 50%, or other. In this scenario, a 25% coverage would suffice to cover the additional 100,000 cost of constructing, or purchasing the new home. If you purchase a more expensive home of the same size and quality, you will have to confirm with you insurance company that you are applying your right to "replace" your lost structure utilizing the ERC. There are caveats too numerous to mention, but it is allowed under California insurance law within those caveats. One caveat for example, is only your home, and not the land was insured. So a reasonable amount of the replacement price would need to be deducted from the purchase price in order to compare apples to apples. In a rebuild situation at a different location, the land cost, and any additional cost to modify the land would be deducted, so if your original home was on flat land, and you rebuild on a hill, the cost of modifying the hill would be an excludable cost before considering the application of the ERC. Law and Code Enforcement insurance. Since your home was constructed, new laws may have been enacted or fees added to building, or codes adopted by the building department that will make a new home more expensive to build. Typical examples are energy efficient windows, tie downs for walls and thickness of walls and foundations. This portion of your policy will be a percentage of Dwelling A, typically 10% or 40,000 in this scenario, but it may be more, if it was written into the contract as such originally. This means, that if the fire victim in this case rebuilds her dwelling for 540,000, when it was insured for 400,000, and assuming 40,000 of the cost comes from code upgrades, she will be covered by dwelling A for 400,000, ERC for 100,000, and code upgrades for 40,000. Clean up of your property will be an immediate concern, and one of the first decisions you will make. Your policy may read something to the effect "we will pay the normal and necessary costs to clean up your home site. If the cost of clean up is more than this normal amount, we may pay up to 5% in additonal clean up costs. So, lets say, the insurance company thinks that normal is $2,000, they will likely advance that to you in your first check. If it turns out that cleanup costs $22,000, they will reimburse up to 20,000 more based on receipts. Many caveats and considerations apply here, particularly, the state will be anxious to get the entire fire incident cleaned up, and may offer you a deal to take whatever the insurance would pay you if you transfer that right to them, and they take responsibility for cleaning up your lot. One down side is, you lose control of the clean up. If your entire lot could have been cleaned up for 22,000, but the state or other agency just cleans part of your property, you will have to pay for the additional cost. On the other hand, it may only cost a few thousand dollars for the structure cleanup, but the entire lot may be considerably more, and it might be better to hire a private contractor, or at least get an estimate. For example 10 acres with many trees lost may cost $15,000 or more just to fell and buck up and stack in addition to cleaning up the home site. There are always extenuating circumstances, but the likely last item on your policy is payment for the loss of your trees and shrubs. This amount is typically 5% of dwelling A and in a total loss disaster, my be included in your first payment, which could be up to $20,000.
这些年来一直觉得山火一来，对我们的影响就是断电+空气污染, 直到我看到她的遭遇，我彻底感受到了山火的凶猛。她家废墟的照片，我一个早上都难以忘怀。
给她发了慰问的短消息，如果她一切安定好后发起GoFundMe, 我会捐钱.
Fire Insurance看来一定要买起来，重建房屋是一笔很大的费用。希望她之前有买，要不然这会是对她生活的一个沉重的打击。
----------------------------------- 谢谢版友的指正，fire insurance是包含在房屋保险里的，earthquake insurance才是option。我刚才糊涂了。
————————————- 更新：白人大妈回我短信了，她的保险可以的。我在短信里问了她家里的房屋保险能帮到房屋重建吗？
Absolutely. Its kind of amazing. They cover our housing, the personal loss and the home. We will build something. We wouldn’t even break even to sell with out a home on the property. Right now shopping has taken on a whole new meaning.
只要房子贷款没还清银行都会要求有保险的，而且一般人都买房险的，因为有平时的火灾什么的，所以不用太担心了。
同理，为了躲飓风，去住旅馆的费用啥的 insurance 管吗？
是的fire insurance需要单独买。
3333
是啊，应该都有保险的吧？
这你就错了，
其实都有时间反应的。
除了房子搬不走，其他的基本都可以挪走的
你是搞错了，还是不是生活在美国？地震险是单独买，没听说房子保险不包含火险的，你能贴出来单独火险的policy吗？
3333
除非她家住在林子里起火点附近，或者抱着侥幸心理坚决不撤，不然这次大部分地区给的撤离警告/预警，都是有足够时间打包的。
不会是自己故意放火吧
哎呀，我真的糊涂了，刚才去查了一下，我家的保险有火险的，谢谢指正呢。
地震险是option.
alameda county, 具体哪个村就不说了。
她家住在偏远的山上，非豪宅区。
还是不要遭火灾比较好，就算保险全部cover重建费用，这中间的各种折腾也是够呛的。
我刚刚还特意给保险公司打电话，确认火险是包括的
be careful what you wish for
嗯嗯，我糊涂了。我在帖子里也更新了。
她家保险具体怎么样我不知道，这个时候也不适合去问。只希望最后能一切化险为夷，老阿姨人挺好的，帮过我好几次呢。
我还不能点赞，就回复一下给你点赞👍🏻了！谢谢信息！😀
赞专业知识!!!
火险赔付的是实际损失，个人物品以及建筑，如果灾后扩建了，肯定是自己有额外投入的。
问题是，万一刚建好又被烧了怎么办？还不够折腾。 再说等卖房的时候，别人知道曾经被烧毁过，会害怕这里就是火灾高发地区，房价肯定也会受到影响吧
mm你现在还在撤离状态?
房子没被烧到就是好事，别沮丧。
我听说好像是会影响到房价的,如果有懂的同学欢迎来回答，我也只是听说.
what? First time I hear this. I think fire insurance is pretty much the only major one insurance will pay for (not sure if arson is included). Flood or earthquake insurance, for an example, you do need to purchase seperately.
By California law, and or industry agreement with the insurance commissioner, if your home is determined to be a total loss, you will receive some funds within 30 days of the loss. This check or checks almost certainly will not be all you are entitled to, but it can bring some relief. The fire victim starts in a quandary of wanting to do something, having little information, and being held back and at the mercy of many Government and quasi government agencies, trying to get out front and protect their space, and because they are official, the victim feels like they should have some guidance. THEY DON''T. If they haven''t lost a house, they assume your insurance in time will take care of you. If they have lost a house, they are confused and just putting on a face. Agencies stand in front of microphones and present a face of calm, but don''t feel like remaining calm will serve you, you need to take action, and these people who are acting calm are not the ones who will facilitate your recovery, you will! If a typical victim''s home was insured for 400k their policy is likely actually worth (Dwelling A)400+(Dwelling B)40+(personal)300+(ALE)160+(ERC)100+(Code upgrades)40+(cleanup)20+(trees and shrubs)20 = 1,080,000! Nearly three times what most people hope they are covered for (the replacement of their home). And, if the home has a mortgage, lets say, of 200,000, then these additional funds maybe very significant in helping finance the new replacement home. WARNING!!!!!! Many people are so overwhelmed by the situation that they may settle for half this amount and never recover what they are fully entitled to. Remember too, these dollars are tax free! How long would it take you to earn 540,000 after taxes? The second half of this hypothetical 1,080,000 for this victim may be the most life changing aspect of an already life changing event. Control of your situation and recovery begins when you resolve to get everything you are entitled to from your insurance company and local and federal agencies and services. One of these agencies is the Small Business Administration. In a national disaster, they will lend funds at very low interest rates if you qualify. Expect to qualify! You will only have 30 days to apply. There will be a deadline, and if you miss it, you are out. The difference between a $400,000 mortgage at 4.25% and 1.875% is approximately $500/mo. Apply, even if you think you don''t qualify or don''t need it. You can make that decision later. Today you need everything, but you also need the most important things first, especially those that are time sensitive and have the greatest impact on your long term financial health. Immediately, Red Cross and _______ will grant varying amounts of cash gift cards, and other groups will be trying to provide shelter and food and clothing short term. First step in the recovery of insurance proceeds will be the collection of your expenses to be reimbursed. Make two separate files: one named "personal" and one named "additional living expenses". All of your receipts for a long time go into one of these two files. It will all be reimbursed with some caveats that are excruciating to hear, but basically, additional living expenses means, not everything you spend, but just those expenses above what you normally spent before the fire. So, if you normally went out to dinner once a week, and now its every night, they will reimburse you for six nights of dinning, not seven. And after than amount is totaled, they may deduct a typical monthly grocery budget for what you normally spent on food, because, as the name implies, this is for the "additional living expenses" incurred due directly to the fire. When you are involved in a national disaster, you will have an extra 12 months, 24 months total to collect your ALE funds. Your ALE portion of your policy may have a cap of 40% of dwelling A, in this example, $160,000. It is possible to expend that much in 24 months. Some people negotiate the purchase of motor homes or travel trailers from this area of the policy. your insurance adjuster calls to meet with you, possibly a call from your agent to meet with adjusters in her office. They will walk your property and take notes about what things were where, and whether there was anything unique about your home that might make it particularly difficult/expensive to rebuild. They may classify the home as economy, or luxury or somewhere in between. Regardless, nothing the observe or take notes on controls your situation and the adjuster is not the final decider in how much you will receive, you are. Knowledge is power is very applicable to your situation as a fire victim. But where is your knowledge? Here it is. You have an insurance policy. On that policy that may be 100 pages long is one single page with almost everything you will need. That page is called the Declaration page. Without reading the declaration page, a victim is waiting for the adjuster to advise them on how much insurance proceeds the company feels it should pay. With the declaration page, you, the fire victim, can tell the adjuster how much you think you are entitled to receive. Typically, a policy is for a certain amount based on the square footage of your home and a reasonable estimate made by you and your agent at the time the policy was written as to how much per square foot the house might cost to rebuild. For example, if your home is 2,000 square feet, and you and your agent estimated that it would cost 200/square foot to rebuild, then your Dwelling A coverage, not all of the funds from your policy, but Dwelling A coverage alone, to cover the physical repair of just your residence, whether it is in fact enough or not, will be $400,000, less deductible, and less whatever might have been owed at the time. Don''t make any more mortgage payments. Advise your bank that they will be receiving a payoff as the home is a total loss. However, this is just the beginning, Dwelling A covers the home, Dwelling B covers the "other structures, like a barn, fences, solid set sprinklers, etc. and it is typically 10% of Dwelling A coverage, or $40,000 in this case. Personal Losses may be 75% of Dwelling A, or 300,000 in this example. Each item in the home will have to be itemized and presented to the insurance adjuster for payment. You reasonable recollection will generally suffice, but you will need to find a market price to provide the value of the item lost. Having a list to start from helps jog your brain. United Policy Holders is a non profit that provides such a list. You can go to Amazon.com and search for each item, and record its price. You may be counting boxes of toothpicks and feeling like its hopeless, but it adds up quickly, don''t despair, you will get it, but you are on your own in this very daunting task. Consider sharing lists with friends, and working in teams, and break up the job into tasks giving different people different rooms. It will turn out that you all have pretty much the same things, and even if what you had was different, the comparison you find will likely suffice. Additional Living Expenses were mentioned above. Extended Replacement Cost. You may decide to rebuild at your original location, or you may chose to rebuild elsewhere, or you may choose to purchase an existing home for sale at the location of your choice. In any case, the home you end up with may cost more than the Dwelling A coverage for the same size home. In a disaster, expect prices to be higher than the original estimate the policy was based on. Thousands of people are trying to rebuild and that demand puts pressure on resources, and prices tend to rise as a result. This rise is termed "demand surge" and some policies have an extra rider for it, but not typically. Never the less, if in this case, our hypothetical victim purchases or rebuilds a 2,000 square foot home of the same quality as she lost, and it cost $500,000, instead of the 400,000 she was insured for, the extended replacement cost, the ERC, will cover the additional 100,000 assuming she had paid for this rider. It is a typical piece of insurance and will be a percentage of Dwelling A, possibly 25%, 50%, or other. In this scenario, a 25% coverage would suffice to cover the additional 100,000 cost of constructing, or purchasing the new home. If you purchase a more expensive home of the same size and quality, you will have to confirm with you insurance company that you are applying your right to "replace" your lost structure utilizing the ERC. There are caveats too numerous to mention, but it is allowed under California insurance law within those caveats. One caveat for example, is only your home, and not the land was insured. So a reasonable amount of the replacement price would need to be deducted from the purchase price in order to compare apples to apples. In a rebuild situation at a different location, the land cost, and any additional cost to modify the land would be deducted, so if your original home was on flat land, and you rebuild on a hill, the cost of modifying the hill would be an excludable cost before considering the application of the ERC. Law and Code Enforcement insurance. Since your home was constructed, new laws may have been enacted or fees added to building, or codes adopted by the building department that will make a new home more expensive to build. Typical examples are energy efficient windows, tie downs for walls and thickness of walls and foundations. This portion of your policy will be a percentage of Dwelling A, typically 10% or 40,000 in this scenario, but it may be more, if it was written into the contract as such originally. This means, that if the fire victim in this case rebuilds her dwelling for 540,000, when it was insured for 400,000, and assuming 40,000 of the cost comes from code upgrades, she will be covered by dwelling A for 400,000, ERC for 100,000, and code upgrades for 40,000. Clean up of your property will be an immediate concern, and one of the first decisions you will make. Your policy may read something to the effect "we will pay the normal and necessary costs to clean up your home site. If the cost of clean up is more than this normal amount, we may pay up to 5% in additonal clean up costs. So, lets say, the insurance company thinks that normal is $2,000, they will likely advance that to you in your first check. If it turns out that cleanup costs $22,000, they will reimburse up to 20,000 more based on receipts. Many caveats and considerations apply here, particularly, the state will be anxious to get the entire fire incident cleaned up, and may offer you a deal to take whatever the insurance would pay you if you transfer that right to them, and they take responsibility for cleaning up your lot. One down side is, you lose control of the clean up. If your entire lot could have been cleaned up for 22,000, but the state or other agency just cleans part of your property, you will have to pay for the additional cost. On the other hand, it may only cost a few thousand dollars for the structure cleanup, but the entire lot may be considerably more, and it might be better to hire a private contractor, or at least get an estimate. For example 10 acres with many trees lost may cost $15,000 or more just to fell and buck up and stack in addition to cleaning up the home site. There are always extenuating circumstances, but the likely last item on your policy is payment for the loss of your trees and shrubs. This amount is typically 5% of dwelling A and in a total loss disaster, my be included in your first payment, which could be up to $20,000.
我觉得如果不是天灾的话，保险公司会派人调查的吧。我记得看过好几部美国电影，都是讲骗保的事，电影里保险员上门调查来着。
是啊，还在撤离状态，目前回家还是个未知数，想想家里的冰箱肯定臭死了，撤离的时候没想到会那么久不能回家，当时没做好准备
多谢楼主提醒。我也不知道fire insurance已经包含在home insurance里边了。
经历过一次就涨经验了。当然，这种事永远不要再发生了！
Stay Positive! 修补一下，能和保险申报的就申报了让保险承担一部分的维修费用，然后继续生活.
加油!!!
那也不一定，很多人走也没想到房子会真的被烧，带上猫狗粮草还有重要的文件就差不多了。我们国内老家年年台风，有时候大一点要登陆的也会去别处避难，谁会抱一堆照片珠宝走
我看我家rebuilt value给了房子实际价值的2倍。另外什么addition,content value都是实际的好几倍。我打电话去降对方说rebuilt value不是你说多少就是多少的。 我觉得如果房子本来是老破大，可能真能赚回不少。比如比如破破烂烂的大房子，现在各种顶配豪装。把钱都用上了。。
逃难不是都要带上金银细软？
保险有deductible 的 没超过一般人也不管了
这个重建费用每个保险公司的估价不一样，一般他们是按邮编每平建筑面积多少钱算的。我以前有个房State &Farm 说重建$300一平，另一个好像是Chubb 说重建$500一平。真到了理赔的时候保险公司区别也大的。我朋友家有很老的那种plaster的吊顶，漏水理赔时她保险公司就不管这些，只按普通屋顶石灰板墙给算的，但是这种plaster molding 要补上跟原来一样的话很花钱的，能花几万块。就跟车险似的，有的公司保费便宜但理赔时各种扯皮。
山火频繁的区真的需要单独买，经纪带我们看山上房子的时候特意提的，价格和普通房屋保险相当，相当于保险要付双倍钱。
是的呀！我家在canyon边上，买fire insurance超级难买，买到的很贵
Sigh
后来不久他家卖房还卖了高价，因为别人家都30几年房龄，他家和左邻右舍的算新的。
是这个道理，重建费心费力不说，肯定也是不能让你从中得利的