►
Description
Rebuilding Together's Navigating the Insurance & Rebuilding Process
November 15, 2010
A
A
So
thank
you
to
Ellen,
clear
and
the
folks
at
the
foundation
for
their
support
of
our
work
here
tonight,
and
thank
you
to
the
folks
here
at
bethany
presbyterian
also
for
hosting
pastor
Don
Smith
and
to
Mitch
as
well
for
keeping
us
in
line.
So
we
have
a
pretty
straightforward
agenda
for
tonight's
meeting.
Our
goal
tonight
is
really
to
provide
some
hands-on
information
to
help
all
of
you,
as
the
homeowners
really
think
about
the
rebuilding
process
that
you're
about
to
be
undertaking.
A
I
know
many
of
you
have
been
working
through
the
claims
process
and
United
policyholders
will
talk
more
about
that
later
on,
as
well.
We're
going
to
start
off
the
evening
with
Erin
Ackman
talking
from
the
city
of
San
Bruno
and
then
we'll
have
United
policyholders,
provide
a
presentation
so
Amy
Bach,
the
executive
director
will
be
leading
that
part
of
the
meeting,
and
then
they
have
also
invited
some
survivors
from
the
San
Diego
firestorm
in
2007,
who
are
here
to
share
their
experiences.
A
Our
organization
has
also
put
together
a
resource
guide
and
referral
list
for
some
of
you
to
help
you
think
about
the
rebuilding
process,
so
I'll
be
going
through
that
part
a
little
bit
later,
then
we
do
have
some
time
at
the
very
end
for
Q&A.
So
we
really
want
to
make
sure
that
you
all
get
your
questions
answered
about
the
process
that
you're
about
to
go
through
just
a
couple
of
quick
housekeeping
notes.
There
are
some
bathrooms
right
outside
this
store.
A
I
I
don't
know
if
any
of
you
did
need
childcare,
but
it's
downstairs
in
the
childcare
room
and
there's
plenty
of
refreshments
out
back
and
there's
handouts
from
both
our
organization
and
all
the
wonderful
organizers
and
jump
drives
that
United
policyholders
bought
for
tonight
are
also
at
the
back
of
the
room.
So
with
that
we
will
get
started
I'm
going
to
invite
urine
to
come
and
join
us.
Erin's
been
with
a
city
for
eight
years
now
and
four
years
as
your
director
of
community
development,
so
Erin.
B
Regarding
the
review
processes,
you've
heard
me
say
that
a
few
times
already,
the
City
Council
adopted
code
changes
or
about
to
adopt
code
changes
which
will
cut
your
review
time
and
about
half
from
what
it
usually
is
for
any
type
of
residential
review.
There's
generally
this
in
any
city,
there's
generally
two
types
of
review,
you
have
your
architectural
review
where
you
take
a
look
at
what
the
home
looks
like
and
make
sure
that
it's
compatible
with
the
neighborhood,
and
then
you
have
your
structural
review,
which
is
actually
based
on
the
building
code.
B
So
that's
when
you
you
look
how
the
homes
going
to
be
supported
the
foundation,
everything
up
it
to
the
roof,
depending
on
how
big
your
home
is
you're,
either
going
to
be
in
a
one-step
process
or
a
two-step
process.
We
have
development
guidelines
which
say
you
could
build
up
to
a
certain
floor
area
on
your
lot.
For
let's
say
you
have
a
standard,
5,000
square
foot
lot,
you
would
be
able
to
build
up
to
about
2,700
2,800
square
square
feet
and
if
you
fall
under
those
guidelines,
they're
just
going
to
be
a
one-step
process.
B
You
turn
in
your
architectural
plans
and
your
structural
plans.
At
the
same
time,
we
take
a
look.
We
review
them
and
we
generally
get
you
back
your
comments
within
a
week
or
two.
Your
architect
will
respond
to
those
and
then
we'll
spawn
back
to
those
in
about
a
week
and
my
guess:
it's
going
to
take
about
a
month
to
22
months
for
that.
B
So
I'd
be
a
slightly
bigger
home,
it's
going
to
take
about
2-3
months,
but
we
always
encourage
everyone
to
do
their
I've
great
planners
on
my
staff,
Matt
and
Laura.
Have
your
architect
call
me
or
call
one
of
the
one
of
the
planners
early,
and
we
could
give
you
initial
feedback
on
your
plans.
I
had
a
couple
people.
This
email
me
plans
over
the
last
couple
days
and
I
could
just
give
them
comments
right
back.
That
could
speed
up
the
whole
process
in
the
long
run.
So
that's
about
it
we're
always
here.
B
You
could
always
call
us.
You
could
email
us
at
planning
at
san
bruno
CA
gov.
If
you
have
any
questions
or
give
us
a
call
and
our
general
number,
which
is
616
70
74
and
we're
always
there
so
give
us
a
call
or
email
we're
happy
to
answer
any
of
your
questions
and
I,
don't
know
if
we
want
to
answer
questions
at
the
end
or
individually
at
the
end.
Okay
I'll
be
here
when
you
all
have
questions.
A
C
Individual
questions
and
I
want
to
acknowledge
Emily
Cabral
who's
back
there
with
the
giant
smile
in
the
back
of
the
room,
and
if
you
didn't
pick
up,
the
tools
that
were
distributing
tonight
feel
free
to
stop
by
there.
The
we
want
to
thank
and
acknowledge
the
Silicon
Valley
Community
Foundation,
that
Kerry
mentioned
and
Ellen
is
here
and
they've,
been
really
showing
up
at
the
town
hall
meetings
and
following
your
recovery
and
I
think
it's
much
appreciated,
and
it's
thanks
to
them
that
we're
able
to
give
out
these
organizers,
which
are
designed
just
to
help.
C
That
means
we
don't
accept
any
money
from
insurance
companies.
We
have
an
independent
voice
and
we're
a
consumer
group
which
means
that
our
main
interest
is
your
interest.
So
we
have
a
national
network
of
volunteers
and
limited
paid
staff,
and
then
we
offer
an
extensive
free
library
of
publications
and
resources
online.
Our
website
is
uph
glp
org
up
health
org.
We
published
a
yellow
book.
The
disaster,
recovery,
handbook
and
household
inventory
guide,
which
some
of
you
may
already
have
gotten.
C
So,
as
I
said,
we've
been
doing
this
sort
of
work
for
19
years
and
we
do
we
in
between
disasters.
We
do
a
lot
of
work
promoting
preparedness,
so
we
help
people
make
sure
they've
got
enough
insurance.
We
help
people
do
things
in
advance
that
make
it
easier
on.
If
you
ever
do,
have
a
loss,
create
an
inventory.
C
And
while
that
is
probably
going
to
be
a
problem
here,
there
is
this
back
up
with
the
pge
fund,
which
is
a
very
unique
and
valuable
resource
for
your
community.
So
next
so
we've
already
talked
about
the
organizer
I
wish.
We
could
have
gotten
them
to
you
a
little
earlier,
but
you
have
it
now
and
it's
a
good
way
of
as
I
said,
staying
on
track,
the
flash
drive
we
mentioned.
We've
mentioned
the
library.
The
fine
help
directory
and
ask
an
expert
are
two
resources
that
we
offer
one.
C
C
We
have
an
understanding
that
they
have
expertise.
That
will
be
helpful
and
then
the
ask
an
expert
is
an
online
Q&A
forum,
but
for
those
of
you
who
are
members
of
the
yahoo
group,
the
glenview
group-
you
you
have
access
to
us
through
that,
because
if
you
have
a
question-
and
you
put
it
up
there
we're
going
to
answer
it,
and
so
our
ask
an
expert
forum
is
just
a
sort
of
another
variation
on
that.
C
Actually
it's
wildfire
all
of
them
at
this
point
and
they've
gone
through
some
training
and
they're
available
to
offer
a
listening,
ear
and
moral
support
and
some
emotional
support,
because
they've
been
in
the
shoes
that
you
in
now
and
they're
just
available
to
help
and
you
can
email
them
or
call
them,
and
we
have
a
list
available
which
you
can
get.
You
can
just
call
our
office
in
the
city,
which
is
the
415
393
9990
and
we'll
shoot
that
list
to
you.
C
It's
not
in
here
is
it
m.
It
is
in
here.
Ok,
so
then
never
mind
in
your
packet.
We
actually
have
the
list
of
our
d
SSN
volunteers
and
we
have
them
listed
by
insurance
company.
So
if
you
were
insured
with
state
farm-
and
you
want
to
talk
to
somebody
else
who
was
insured
with
state
farm
who
went
through
the
whole
process
and
repaired
or
rebuilt,
then
you
can
look
on
the
list
under
state
farm,
and
you
can
pick
somebody
from
the
list
and
okay.
C
We
already
talked
about
the
organizer
and
we
can
move
on
the
help
resources
that
are
available
in
the
community.
The
city
has
been
amazing.
We've
worked
in
a
lot
of
disaster
areas
where
the
local
officials
just
don't
know
where
to
begin,
and
this
you
don't
have
that
situation
here.
You've
got
a
very
responsive,
local
government,
that's
been
I.
Think
amazing.
You've
got
a
very
healthy
network
of
faith-based
and
nonprofit
organizations
that
have
been
on
the
ground
from
day
one.
The
Red
Cross
thrive.
C
Our
organization,
Rebuilding
Together,
congresswoman
Speier,
as
you
know,
has
been
a
resource
and
continues
to
be
the
the
two
foundations
we've
got
listed.
There
we
mentioned
Silicon
Valley.
Also
the
San
Francisco
foundation
is
helping
out.
There
are
attorneys
in
the
area
that
are
providing
legal
help
and
damage
compensation,
support
for
all
of
you,
professional
claim
and
construction
help
through
public
adjusters.
The
Greenspan
company
is
here,
I
think
some
people
are
working
with
them
and
they
are
very
knowledgeable
and
available
to
answer
questions.
C
And
then
you
have
the
PG&E
programs,
which
I
think
all
of
you
know
about
the
fund,
the
money,
but
there's
also
some
other
pro
rooms
that
they
are
wanting
to
offer
and
I
think
they're
continuing
to
refine
the
details
and
they
will
be
offering
more
information
on
those
programs
and
I.
Think
it's
good
to
know
that
that
they're
out
there
there's
the
by
your
house
possible
option.
There's
the
will
help
you
with
the
construction
supervision
but
again
you're
going
to
want
to
get
that
information
directly
from
them
and
factor
that
into
your
decision
making.
C
So
our
basic
approach
at
United
policyholders
is
to
give
people
information
and
resources
so
that
they
can
make
good
decisions
because,
usually,
after
a
major
loss,
most
people
primarily
need
money
and
the
place
they
usually
get.
It
is
from
their
insurance
and
because
a
large
insurance
claim
is
not
like
a
car,
your
fender
bender
or
your
typical
interaction
you'll
have
with
an
insurance
company.
Most
people
go
their
whole
lives
without
ever
making
a
claim,
or
maybe
they
make
a
little
theft
claim
or
an
auto
claim
something
in
the
nature
of
five
to
ten
thousand
bucks.
C
Think
of
your
insurance
claim
as
a
business
negotiation.
Try
not
to
get
to
take
it
too
personally,
but
just
understand
that
you're
not
on
a
level
playing
field-
and
you
know
the
adjuster
may
be
friendly,
but
they're,
not
your
friend,
you
know
they
are.
They
have
their
job
to
do,
and
your
job
is
is
to
figure
out
how
much
you
need
to
be
made
whole
and
then
and
then
do
what
you
need
to
do
to
get
that
and
to
buy
and
the
way
to
do.
C
That
is
to
present
clear
request
in
writing
that
explain
what
you
need
and
when
you
need
it,
and
why,
of
course,
very
important
not
to
Pat
or
exaggerate
your
loss
and
then
get
the
right
help.
If
and
when
you
need
it,
and
you
know
for
a
lot
of
you,
you've
had
you
know
just
a
tsunami
of
information
coming
at
you
from
the
beginning.
Much
of
it
is,
of
course
it's
well-intentioned
and
some
of
it
people
are
trying
to
sell
you
things.
C
Some
of
it
is
is,
is
on
the
level
and
you're
trying
to
filter
it
all
through,
but
at
the
end
of
the
day,
whether
you're
going
to
be
getting
your
compensation
from
a
lawsuit
or
from
your
from
an
insurance
company
or
from
PG&E,
you
need
to
understand
what
your
loss
was
and
how
much
is
it
going
to
cost?
To
put
you
back
where
you
were
not
I'm
not
talking
about
your
emotional
losses,
I'm
talking
about
your
your
physical
losses.
C
How
much
is
what
kind
of
work
has
to
be
done
at
your
house
if
you
had
a
partial
loss
who's
going
to
do
it?
How
much
is
it
gonna
cost?
What
kind
of
professionals
do
you
need
and
then
the
same
thing
with
your
possessions,
how
much
of
your
stuff
got
damaged
or
destroyed?
What
were
the
values
of
all
those
things?
How
much
is
it
going
to
cost
to
put
those
things
back
and
until
you
really
get
to
those
numbers,
it's
it's
really
hard
to
move
forward
and
I.
C
Think
one
of
the
challenges
that
I've
seen
for
your
community
and
we've
been
going
to
a
lot
of
the
meetings
and
following
the
developments
with
the
pipeline
and
I,
think
it's
probably
been
a
little
bit
hard
to
focus
on
documenting
your
losses,
because
there's
been
a
lot
of
other
things
going
on,
you
know
am
I
going
who
do
I
go
to?
First,
am
I
going
to
my
insurance
company
am
I
going
to
PG&E,
where
what
am
I
supposed
to
be
doing
here,
and
so
this
is.
C
This
is
why
we
wanted
to
get
together
with
rebuilding
together
and
offer
you
some
some
sort
of
clarifying
guidance
on
okay.
What
what?
What
do
I
need
to
be
focusing
on
and
everybody
goes
at
their
own
pace.
You
know
I
met
people
in
after
oakland.
You
know
people
who
maybe
were
in
the
construction
business
or
guys
and
architect.
Things
like
you
know
what
I'm
going
to
be
the
first
one
back
on
my
block
and
he
was
just
type
a
you
know
he
got
out
there,
and
that
was
his
thing.
C
C
You
know,
and-
and
it's
just
a
matter
of
understanding
that
you've
got
to
document
your
losses
and
if
you
don't
want
to
do
it
yourself,
there's
plenty
of
professional
help
out
there
to
do
it
for
you
and
there,
and
there
are
ways
to
hire
that
help
economically
and
again,
we're
just
here
to
give
you
your
menu
of
options.
Okay,
your
deck
page
is
a
map.
If
you
picked
up
this
folder,
the
deck
page
is
insurance
lingo
for
declarations
page
and
one
of
my
favorite
items
in
our
library.
C
Is
this
guide
to
your
declarations
page
and
your
declarations.
Page
may
not
look
anything
like
this.
How
many
people
actually
have
their
declarations
page
and
no?
No,
what
it
what
it
looks
like?
Okay!
So
that's
that's
basically
that
first
page,
that
of
your
policy
that
tells
you
how
much
coverage
you
have
for
each
of
those
categories,
dwelling
structures,
personal
property,
loss
of
use,
and
then
it'll
have
your
address
and
all
that.
C
So
that's
the
map
to
your
policy
that
will
tell
you
whether
you
have
coverage
for
build
complying
with
building
codes
and
the
deal
with
that
is.
You
know
your
insurance
company
covered
the
house
that
you
had
right
just
the
way
it
was
built
with
the
wiring
and
the
wood
and
whatever,
however,
was
constructed
right
the
foundation.
C
Well,
maybe
the
building
codes
have
changed
since
the
house
was
built
and
you
have
to
put
back
a
slightly
better
house,
be
if,
because
it's
no
longer
safe
to
have
that
old,
wiring
whatever
so
the
insurance
companies
will
say,
we
don't
pay
for
betterment.
We
don't
pay
for
making
your
house
better
than
it
was,
but
that's
why
you
hopefully
have
building
code
upgrade
coverage
and
if
you
don't
have
it,
then
that's
an
issue
to
take
up
with
your
whoever
sold
you
the
coverage,
because
I
think
everybody
should
have
it
these
days.
It's
pretty
much
required.
C
Okay,
next,
just
a
bit
of
lingo
actual
cash
value,
ACV
replacement
costs,
extended
replacement,
cost
hold
back
and
recoverable
depreciation.
That's
an
important
depreciation
is
one
of
those
sort
of
cold.
You
know
cold
water
in
the
pace
that
a
lot
of
people
have
to
encounter
after
they've
had
a
big
loss,
because
it's
it's
very
confusing.
Why
did
my
insurance
company?
C
Why?
Why
did
they
say
that
this
was
the
amount
of
the
loss,
but
then
they
paid
me
something
less
than
that
I
don't
understand!
Why
are
they
depreciating
my
stuff
and
what
what
happens
and
we're
not
going
to
go
into
like
all
the
details
here,
I
just
want
to
give
you
kind
of
the
gist
of
it
is
generally,
you
can
recover
what
they
held
back.
They
they
will.
They
will
hold
back
a
certain
amount
on
what
they
pay.
C
C
He
did
his
inventory,
he
put
it
in,
they
paid
him
a
depreciated
amount
they
held
back
and
now
that
he's
replaced
a
bunch
of
his
stuff
right,
he's
going
back
to
the
company
and
he
called
us
to
say:
I
didn't
keep
receipts
for
every
single
little
thing
that
I
bought.
You
know
it's
like
years
and
all
this
crap
and
you
know
for
the
kitchen
whatever
but
I
have
my
credit
card.
A
statement
can
I
give
them
that
and
yes,
yes,
you
can
okay
so,
but
you
have
to
have
some
kind
of
proof.
C
You
know
the
insurance
companies
are
just
geared
to
require
the
paperwork,
so
it
doesn't
have
to
be
exactly
the
paperwork
that
they
say
they
need.
You
can
be
a
little
creative
like
we
just
went
through
this
whole
thing
with
PG&E,
where
they
are
asking
people
to
sign
that
release,
asking
giving
them
the
right
to
talk
to
your
insurance
company.
How
many
people
here
had
that
was
were
given
that
released
by
pge
of
giving
them
authorization
to
talk
to
your
insurance
company?
Okay.
C
So
you
know
that
when
they
first
threw
that
out
there
for
those
of
you
who
are
on
the
listserv,
people
thought
well,
if
I
don't
sign,
it
am
I,
not
cooperating,
what's
going
to
happen
and-
and
we
thought
it
through
together
and
we
actually
asked
the
PG&E
folks
at
a
department
of
insurance
forum
that
those
some
of
you
guys
were
there
hey.
You
know
people
don't
feel
comfortable
signing
this
broad
release.
How
would
you
take
some
other
proof?
They
want
to
know
they.
You
know
PG&E
says
we
don't
want
a
double.
C
We
don't
want
people
double
claim.
We
have
to
be
careful,
I
get
that
you
know.
We
want
to
make
sure
that
you
are
not
coming
to
us
for
things
that
your
insurance
company
already
paid
you
for
I
understand
that
that
that's
a
fair
thing,
but
so
we
said
okay
and
they
said
that's
why
we
need
the
release.
So
we
can
talk
to
the
insurance
company
and
make
sure
that
you
are
not
getting
paid
twice
for
the
same
thing
and
we
said
fine
how
about?
C
If
the
person
gives
you
an
alternative
source
of
proof,
they
tell
you
they'll
sign
something
saying
this
is
how
much
I
got
my
insurance
company
is,
that
is
that,
okay,
and
they
said
yes,
so
just
because
you
know
just
if
you
have
some
sort
of
some
proof,
that
is
is
proof.
It
doesn't
have
to
be
exactly
the
way
your
insurance
somebody
says
they
need
it.
C
C
Are
you
probably
already
know
this
are
generally
you
have
to
incur
them,
and
then
you
have
to
go
back
and
ask
for
reimbursement,
but
because
of
this
four-month
deal
you
should,
if
you
haven't
gotten
a
good
half
D
advance,
you
should
ask
for
it
and
again
I
think
I
know
into
too
much
more
detail
here,
but
on
the
aioli,
if
you're
not
sure
of
what
expenses
you
can
be
asking
your
insurance
company
for
and
besides
the
the
ones
everybody
knows
about,
you
know
your
temporary
rent
or
extra
gas.
You
can
ask
them
by
law.
C
They
have
to
give
you
a
list
of
typical
a
only
expenses.
Okay
can
move
on
your
dwelling
claim.
I
want
to
very
briefly
mention
the
key
phrase
you're
going
to
be
hearing
about
that
from
rebuilding
Together
scope
of
loss,
and
that's
really
what
I
was
talking
about
earlier.
What
is
the
size
of
your
loss?
What
are
the
quantities
of
the
items?
What
what
is
it
look?
What
did
it
look
like
here?
Was
it
you
know
if,
in
the
case
of
a
total
loss,
you
know
how
big
was
your
house
how
many
square
feet?
C
What
kind
of
finishes
not
the
pricing?
It's
different,
a
scope
of
loss,
just
talks
about
a
picture
of
everything
right
and
once
you
have
gotten
to
that,
agreed-upon
scope.
Ideally
it's
great.
If
you
and
your
insurance
company
agree,
you
know.
Yes,
it
was
a
two-story
house
and
yes,
it
was
1800
square
feet
and
yes,
it
had.
C
You
know
oak
floors
in
yes,
it
had
double
pane
windows
or
whatever
it
is
that
that's
the
ideal
as
you
and
your
insurance
company
agree
on
that
scope,
and
then
you
get
prices
on
it
and
that's
the
best
way
to
avoid
disputes.
Because
then
you
can
I
if
there
are
disputes,
if
your
insurance
company
says
we
don't
we
think
the
roof,
your
wake,
you
guys,
you
know,
we
think,
there's
your
way
to
I
on
the
roof.
Okay,
you
can
talk
about
that
and
you
can
say
all
right.
C
Let's
isolate
where
the
disagreement
is,
but
if
you're
not
talking
about
the
same
scope,
you
can
be
fighting
for
a
very
long
time.
So
there
are
ways
to
get
help
with
the
scope
of
laws.
You
can
hire
somebody
to
do
it
for
you.
You
can
hire
a
public
adjuster
to
do
it
for
you,
you
can
have
a
contractor,
do
it.
C
C
They're
supposed
to
your
insurance
company
is
supposed
to
relax
the
itemization
rules
on
your
contents
inventory
again,
because
this
is
a
disaster.
They
should
let
you
give
them
grouped
items
in
you
know
hundred
books
instead
of
going.
You
know,
Treasure
Island
Exodus.
Whatever
you
know
listing
every
book,
they
should
relax
that
you
can
ask
them
to
waive
the
itemization
requirement.
I
mean
we
have
found
over
the
19
years.
C
We've
been
doing
this
work
that
one
of
the
most
painful
experiences
for
somebody,
who's
lost,
a
home
or
or
part
of
their
home
is
to
try
to
struggle
to
remember,
on
top
of
all
the
emotional
pain
of
everything
that
they,
the
wonderful
things
that
they
had
and
lost
to
like
relive
that
over
and
over
and
try
to
remember
it's
brutal.
You
know
it's
just
emotionally
devastating
and
it's
really
time
consuming.
So
over
the
years
we
have
tried
to
develop
as
many
tools
as
we
can
to
help
ease
this
burden.
C
That's
why
we
have
the
flash
drive,
but
you
also
can
ask
your
company
to
wave
it
to
say.
Okay,
all
right,
I
had
let's
say
two
hundred
thousand
dollars
worth
of
contents
coverage.
I
know
I
had
at
least
that
amount
of
much
of
stuff,
but
frankly,
I
really
don't
want
to
go
here
with
you,
I
can't
so
I'm
willing
to
accept
eighty
percent
of
the
200.
If
I
can
just
not
have
to
list
everything
now
you
can
ask,
there's
no
guarantee
they're
going
to
say
yes
and
you
know
that
it's
been
entirely
possible.
C
They'll
say
no,
but
you
know
nothing.
Ventured
nothing
gained
and
in
the
last
wildfire
that
we
worked
on
in
San
Diego,
we
encourage
people
to
try
it
and
some
of
the
insurance
companies
went
for
it
and
we
have
a
survey.
That's
posted
on
our
website
that
showed
that
state
farm,
for
example,
waived
the
itemization
I'm
talking
about
waiving
the
requirement
that
you
list
every
every
pepper,
salt
shaker
every.
C
You
know,
box
of
aspirin,
whatever
we
have
proof
that
State
Farm
among
other
companies
did
waive
that
requirement
for
a
lot
of
people,
so
you
can
ask
their
contractually
allowed
to
say
no,
but
they
might
say
yes,
okay,
moving
along
partial
loss,
fires
can
be
harder
to
adjust
than
total
losses.
There
can
be
a
lot
of
dispute
how's
their
quality.
You
know,
can
you
paint
over
this
or
do
you
have
to
tear
it
out?
You
know.
A
lot
of
you
are
having
issues
with
your
roof.
Is
the
seal?
Bad
is
the
seal.
C
Okay,
do
I
have
to
replace
the
whole
roof
part
of
the
roof,
and
you
know
there's
there
can
be
a
lot
of
you
know.
Was
this
damage
pre-existing
or
was
it
from
the
fire?
Was
it
the
heat?
You
know
you
can
have
a
lot
of
arguments
between
experts.
You
know
one
guy
is
amazing
how
you
can
have
a
damaged
home
and
you
can
bring
in
five
guys
who
have
similar
skill,
set,
they're,
all
builders
and
you're,
going
to
get
five
opinions
/?
What
needs
to
be
done?
Hopefully
you
know
you
pick
your
guy
or
gal.
C
You
know
that
you
feel
comfortable
with
and
you
can
go
with
their
opinion,
but
unfortunately,
these
are
not
you
all
that
black
and
white,
when
you
have
a
partial
loss.
Okay,
other
items,
a
lot
of
you
had
trees
and
shrubs
that
that
were
destroyed.
You
have
insurance
coverage
for
that.
Your
collections
and
valuables
people
very
often
find
their
under
ensure
on
those
items.
That
would
be
something
where
you're
going
to
go
to
PG&E.
C
The
vehicle
claims
again
that
same
special
agreement
that
applies
to
disasters
with
insurance
is
that
vehicle
claims
are
supposed
to
be
settled
on
an
expedited
basis.
So
if
you
haven't
already
gotten
a
vehicle
claim
settlement,
you
you
can
call
the
department
of
insurance
and
and
get
help
from
them
and
then
finally
subrogation,
and
that
just
means
that
probably
what's
going
to
happen
here
is
whatever
your
insurance
company
pays
you.
C
C
Ok,
so
we
already
talked
about
our
wonderful
disaster,
survivors
support
network
volunteers
and
the
can
and
Nancy
who
came
up
here
to
to
share
their
some
of
their
experiences
with
you
and
I'm,
going
to
just
briefly
run
through
your
whatever
you
have
in
here.
Is
it's
a
more
detailed
explanations
of
some
of
the
topics
I
covered?
We
have
a
sample
letter
in
here
that
you
can
use
if
you
think
about
your
additional
living
expense
coverage
with
your
insurance.
C
If
you're
you
want
to
get
more
information
from
your
company
and
we've
got
tips
on
on
a
le
we've
got
the
guide
that
I
told
you
about
for
your
deck
page.
We
have
a
wonderful
tip
sheet
here
on
how
to
write
good
letters
to
your
insurance
company,
how
to
communicate
with
your
insurance
company.
How
does
what
we
call
speak
up
and
in
closing
I'll
just
tell
you
what
that
means
strong
as
possible
under
the
circumstances.
C
Politely
assertive
or
don't
make
enemies,
if
you
don't
have
to,
but
don't
be
a
pushover,
educated
and
empowered.
That's.
Why
you're
here
asking
questions,
keeping
a
claim
diary?
That's
why
we
gave
you
the
organizer,
unwilling
to
be
short-changed.
That's
the!
U
and
P
proactive,
so
speak
up
and
thank
you
for
your
attention.
D
D
D
Ken
and
I
took
a
pretty
much
a
teamwork
approach,
even
though
we
both
worked
on
all
aspects
of
the
claim
of
it.
Kind
of
fell
down
into
ken
was
handling
the
coverages,
a
and
B
for
dwelling
and
other
structures
and
I
kind
of
got
the
contents
and
the
additional
living
expenses
things.
But
there's
a
lot
of
crossover.
We
were
doing
a
lot
of
stuff
together,
just
the
detail.
Work
kind
of
broke
down
along
those
lines.
D
That's
what
we
got
after
all
of
our
hard
work
and
we're
I
were
recovered,
but
you
know
you
still
have
a
lot
of
stuff
that
that
follows
you
along
for
a
while,
and
you
still
remember
stuff,
and
you
still
want.
Oh
did
we
get
that
on
the
list,
and
you
know
what
happened
to
that.
It's
that
the
kind
of
stuff
will
stay
with
you
and
you
just
you
get
over
it.
D
You
you
learn
to
accept
it
and
you've
got
this
whole
new
life
that
you're
looking
forward
to
with
a
new
house
go
ahead,
one
of
the
things
that
happened
at
first,
the
first
week
after
the
fire
I
got
a
call
from
an
acquaintance
of
mine.
Who
was
an
attorney
that
I
really
didn't
even
know
that
well,
but
he
called
and
said
I
just
want
to.
Let
you
know
that
your
adjuster
is
not
your
friend.
D
He
didn't
go
into
a
lot
of
detail,
except
that
you
know
he
says
that
insurance
adjuster,
while
compassionate
and
looking
and
representing
your
claim,
he's
really
looking
out
for
the
company.
First,
the
insurance
company
be
careful
what
you
say:
don't
start
sharing
things
like
well,
this
wasn't
all
that
bad
or
this
this
was
yeah.
It
it'll
come
back
to
haunt
you.
You
want
to
just
be
pretty
straight-up
honest,
but
not
getting
carried
away
with
what
you
share
with
them,
because
ultimately
it
will
go
back
to
the
company
and
it
could
be
held
against
you.
D
D
We
were
going
very
watching
what
our
expenses
were
and
what
our
coverage
was
and
very
concerned
for
the
longest
time
that
we
were
not
going
to
have
enough
to
rebuild
the
house
until
we
had
assurance
that
that
extra
fifty
percent
was
going
to
be
there
large
loss
claims
are
not
treated
equally,
we
had
people,
we
were
with
Hartford
and
we
had
other
people
in
our
group
who
were
with
Hartford
and
in
these
meetings
and
afterwards
we
have
a
talk
and
share
notes,
and
it's
like
wow.
They
were
there.
D
Hartford
a
gesture
was
doing
things
differently
than
our
Hartford
I
gesture.
So
you
can't
count
on
what
state
farm
does
is
what
all
state
farm
people
are
going
to
do.
The
adjusters
have
a
lot
of
latitude
to
handle
the
claims
kind
of
differently
in
some
ways,
I
say
avoid
a
public
adjuster.
That's
pretty
much
a
individual
decision
that
we
made.
That
was
another
one.
A
yearly
calls
I
got
after
the
fire.
D
Was
a
public
adjuster
offering
your
services
and
saying
it's
not
going
to
cost
you
anything
not
going
to
cost
you
anything
I
said
well
yeah.
It
is
it's
going
to
come
right
off
the
top
of
my
insurance
money
and
I'm
going
to
need
that
money
to
make
sure
I
can
rebuild
my
house.
We
didn't
feel
that
that
was
a
good
use
of
that
money.
D
Wasn't
sure
that
it
was
in
our
best
interest
to
allow
them
to
do
that
and
really
bothered
us
that
the
adjuster
would
become
the
official
contact
person
for
between
us
and
the
insurance
companies,
so
that
if
we
wanted
to
talk
to
our
insurance
company,
they
would
no
longer
talk
to
us.
That
adjuster
then
takes
precedent
and
we
would
not
have
the
ability
to
negotiate
directly
with
them,
and
we
didn't
like
that
idea.
We
were
more
of
a
hands-on
way
that
we
wanted
to
handle
our
claims.
D
So
that
was
what
that
was
the
point
I
wanted
to
make
on
that
separate
bank
accounts.
Hopefully
somebody's
already
told
you
this,
but
it's
a
whole
lot
easier
on
your
accounting.
If
you
just
you
open
up
an
account
that
handles
all
your
construction
type
of
money,
a
separate
one
for
your
contents
and
a
separate
one
for
your
additional
living
expenses
and
then
the
accounting
is
always
very
easy.
D
What
went
in
what
went
out
and
you
don't
have
to
keep
separate
Ledger's
and
it
just
made
things
a
lot
easier
and
more
straightforward
for
us
scope
of
loss.
We
did
not
do
one.
There
was
a
lot
of
talk
about
us
doing
one,
but
that's
really
it's
not.
Everyone
does
not
need
one.
It
really
depends
on
how
your
insurance
company
wants
to
work.
Your
claim
with
you
and
actually
our
adjuster,
didn't
even
know
what
scope
of
loss
was.
So
we
thought
that
at
that
point
we
thought
is
not
someplace.
E
E
I
just
want
to
reiterate
that
the
United
policyholders
and
all
the
affiliated
organizations
that
are
involved
with
you.
They
are
your
friends
and
please
use
them.
They
were
lifesavers
for
us
and
guiding
us
through
this.
This
long
path
of
recovery
so
make
sure
you
over
use
them.
If
anything,
the
other
thing
I
want
to
say
is
your
neighbors
who
are
going
through
this
they're.
Your
friends
also
and
I,
know
a
lot
of
our
neighbors
that
we
didn't
know
very
well
before
our
fire
event.
E
We
know
them
a
lot
better
and
just
constant
communication
with
between
yourselves
and
comparing
notes
and
asking
questions.
That's
a
tremendously
powerful
tool.
It
really
educated
us
as
a
group,
as
opposed
to
individual
islands,
trying
to
find
this
stuff
out
by
yourself
and
and
the
listserv
was
especially
powerful,
you're
a
pretty
tight-knit
community.
E
You
know
our
event
was
30
45
miles
spread
throughout
the
county,
so
our
listserv
was
really
effective
because
we're
talking
to
people
30
miles
away
and
comparing
notes
and
there's
a
lot
of
commonality
so
use
the
listserv.
It's
very
powerful
talk
a
little
bit
about
coverage,
a
our
experiences
and,
to
be
honest,
I,
didn't
know
a
lot
of
these
terms
before
this
happened.
E
Obviously,
coverage
a
covers.
The
rebuild
and
design
of
your
of
your
home
code
upgrades
I,
wasn't
I,
didn't
know
that
I
think
someone
told
me
make
sure
you
have
code
upgrades
and
your
policy
and
find
out
what
it
is.
So
you
need
to
ask
those
questions
because,
as
Amy
said,
insurance
needs
to
pay
to
rebuild
your
house,
and
you
won't
be
able
to
rebuild
your
house
unless
you
upgrade
the
current
codes.
E
E
So
we're
talking
about
scope,
a
loss,
we
didn't
do
one
well,
it
largely
depends
on
your
insurance
company,
whether
you
need
to
do
one
or
not.
We
approached
it
a
little
different
because
Hartford
in
the
end
actually
treated
us
pretty
well,
but
in
the
beginning
we
had
to
work
with
them.
It
wasn't
as
forthcoming
as
we
thought
it
should
be.
I
know.
The
first
thing
in
Hartford
did
was
send
to
I'll
call
him
an
appraiser.
They
were
doing
their
own
scope,
a
loss,
even
though
they
didn't
know
what
they
were
doing
its.
E
They
were
appraising
what
I
had
lost
I.
Remember
a
week
after
the
fire
and
I'm
standing
over
my
my
home
site
and
the
debris
still
there
and
he's
interviewing
me
and
I'm
still
in
a
kind
of
a
state
of
shock
and
he's
asked
me
how
many
bedrooms
did
you
have?
What
was
the
flooring
in
the
kitchen?
What
kind
of
countertops
did
you
have
to
be
honest?
I,
probably
wasn't
totally
accurate.
You
know,
you're
kind
of
in
a
fog
and
I
know
you
you've
been
where
I
was
so
the
bottom
line.
E
Is
they
do
their
own
appraisal
most
of
the
time
they're
not
accurate
I
mean
they
don't
know
the
construction
quality
of
their
house.
They
didn't
even
ask
me
the
questions
that
would
have
led
them
to
the
construction
quality
of
the
house.
So
that's.
Maybe,
if
there's
a
differential
there,
that's
maybe
it
I
me
want
to
do
a
scope.
A
loss
and
I'll
explain
what
our
approach
was
in
a
little
bit.
Can
you
go
back
one.
E
Even
if
you
get
a
scope,
a
loss-
and
it's
probably
obvious
but
I'll-
just
reiterate
it
and
don't
settle
your
claim
based
on
the
scope
of
loss,
I
mean
you
want
to
make
sure
your
house
is
rebuilt
before
you
settle
the
claim
so
go
to
the
next.
One.
I
want
to
talk
a
little
bit
about
construction
contractors.
E
You
can't
separate
that
from
your
insurance
again
the
insurance
is
supposed
to
rebuild
your
house,
so
you
have
to
have
some
knowledge
of
what
it's
going
to
take
from
a
real
contractor
who's
going
to
build
your
house,
get
your
design
done
as
soon
as
you
can
for
us.
It
really
helped
us
move
forward
emotionally.
E
It
starts
you
thinking
forward
instead
of
what
happened
to
you,
you're,
starting
to
think
of
your
future,
and
actually
it
helped
helped
us
kind
of
heal,
because
we
were
thinking
well.
What
remodels
were
we
going
to
do
in
the
house?
Anyways,
we
had
a
whole
list
of
things
and,
like
most
of
you,
our
budget,
we
can
only
do
things
piecemeal,
so
everything
that
we
wanted
to
remodel
least
as
well.
E
It's
now
is
the
time,
let's
put
it
into
our
design
and
that
really
helped
the
healing
process
and
helped
us
move
forward,
create
your
own
specification
sheet,
even
if
you're
not
a
contractor.
Even
if
you
don't
know
construction,
you
know
what
you
want
in
a
house
just
list
room
by
room.
What
kinds
of
things
you
want
I
mean
you
might
want
brown
switch
plates,
put
it
in
there.
If
you
want,
can
lights
in
your
dining
room
and
put
it
in
there.
If
you
want
a
recirculating
hot
water
pump.
E
Put
it
in
your
specification,
just
in
layman's
terms,
list
everything
you
want
room
by
room
in
your
house
and
I
call
that
a
specification
sheet.
This
is
going
to
help,
whoever
designed
your
house
or,
if
you
choose
an
architect,
it'll
help
them
incorporate
all
these
elements,
and
you
use
that
as
a
checklist
as
you're
reviewing
your
plans.
It's
also
going
to
help
I
also
provided
this
to
my
contractor
for
the
bid
process.
E
Biggest
one
and
I'm
amazed
how
many
of
my
neighbors
didn't
do
this?
They
just
went
to
the
first
contractor.
They
thought
they
liked
and
said.
Okay,
give
me
the
bid
and
let's
go
get
multiple
bids.
This
is
probably
because
of
my
background.
I
am
a
process
of
manufacturing,
engineer
by
profession.
I,
do
a
lot
of
project
management,
I,
never
built
a
house
before
I
never
wanted
to
build
a
house,
but
at
least
some
of
these
tools
in
my
project
management
background
do
apply
and
I
really
am
a
proponent
of
getting
multiple
bids.
E
We
got
five
bids
and
they
were
all
over
the
map.
It
really
educates
you
every
bit
that
you
look
at
educates
you
every
time
you
talk
to
those
contractors
that
educates
you
and
if
they
look
at
your
plans
and
they'll
question
something,
maybe
that's
a
good
question.
Maybe
you
need
to
go
back
to
your
designer
and
iron,
something
out
in
your
plans.
So
multiple
bids
is
really
a
benefit
and
it's
going
to
help
you
with
your
insurance
company
I'll,
throw
this
term
out
here.
Fun,
control,
I,
didn't
know
what
the
term
was
before.
E
I'll
just
say
it
really
helps
you
manage
your
construction
project
and
contractors
really
like
it.
Some
of
them
may
not
know
it,
but
they
really
do
like
it
and
just
write
down
the
term
fun,
control
and
I
hope.
There's
some
organizations
here
who
do
that
up
here,
but
it
really
helped
me
out
so
I
recommend
it.
E
Once
you
choose
a
contractor
and
you
have
a
contract,
that's
really
what
it's
going
to
cost
to
rebuild
your
house
and
to
me
that's
where
the
rubber
meets
the
road.
That
is
the
one
dollar
figure
that
you
can
take
to
your
insurance
and
say
this
is
what
you
need
to
pay
me.
So
I
can
get
my
house
back.
Scopa
loss
is
fine,
but
no
one's
going
to
build
a
house
based
on
scope,
a
loss
and
appraisals.
Fine,
but
no
one's
going
to
build
a
house
based
on
an
appraisal.
E
E
Obviously,
the
insurer
is
not
going
to
pay
for
improvements
to
your
house,
something
above
and
beyond
what
you
lost.
I
said
that
now
it's
kind
of
a
vague
area.
You
know
code
upgrades,
that's
a
vague
area.
If
you
had
a
high-end
home
that
was
build
30
years
ago,
like
ours
was,
and
you
had
formica
countertops
that
was
fine
30
years
ago,
you're
not
going
to
get
the
value
out
of
your
home
if
you
put
formica
countertops
back
in
so
that's
the
negotiation
point,
that's
where
it's
a
little
bit
vague.
E
Again,
obvious:
don't
settle
your
claim
until
you
after
you
rebuild
your
house,
there's
constructing
a
house
is
very
complex.
It's
almost
no
way
that
you
can
foresee
everything
in
your
design
that
you
need
to
rebuild
your
house
example
for
us
right
away.
We
were
preparing
the
pad
recomp
acting
the
pad
and
we
had
some
compaction
problems
apparently
30
years
ago
they
didn't
have
the
same
requirements
as
they
do
now.
So
our
soils
engineer
says
well
you're
going
to
have
to
put
some
more
stabilization
and
we
had
more
expenses.
There's
no
way.
E
You
would
have
known
that
until
you
started
with
the
graders
in
there
moving
something
simple
like
we
didn't
put
in
for
our
window
coverings,
we
had
shutters,
we
forgot
to
put
it
in
into
our
scope,
a
loss
into
our
our
specification.
We
just
went
back
to
the
insurer
and
says:
hey.
We
forgot
this.
Obviously
we
need
window
coverings
and
hartford
was
very
good
about
the
one
reason
they
were
good
to
us.
E
E
2007
construction
business
was
in
the
tank.
A
lot
of
good
contractors
were
hurting
for
work,
so
we
had
a
little
advantage
that
we
got
some
real
good
bids
from
some
real
high
quality
contractors.
I,
don't
know
the
exact
situation
in
this
area.
I
know
construction
is
still
slow,
so
you
may
still
have
some
advantages
there
in
terms
of
getting
some
some
pretty
good
bids
for
reconstructing
your
house.
E
Little
bit
about
code
upgrades
under
coverage
a
they
have
to
cover
it.
They
have
to
provide
you
to
rebuild
your
house.
You
need
to
push
back
on
them
if
they
are
resisting
I
still
say
you
push
back.
You
can't
they're,
trying
outlast
you.
If
you
have
the
wherewithal
push
back
as
off
as
you
can
eventually
you'll
probably
win,
because
they
want
to
close
out
close
out
the
claim.
E
Some
of
the
things
we
had
to
do
had
to
put
temper
dual
plane.
Pane
windows
now
we're
in
a
little
different
we're
not
as
urban
as
you
are
we're
a
little
bit
on
the
fringe
called
the
wildland-urban
interface.
So
we
have
more
codes
to
code
requirements
to
meet.
We
had
to
put
interior
fire
sprinklers,
that's
six
thousand
dollars,
and
normally
you
wouldn't
have
to
put
in
up
here.
You
may
have
earthquake
improvements
depending
on
how
old
your
house
is
just
some
example.
E
E
Think
you
guys
have
already
done
this,
but
this
money
doesn't
come
from
your
rebuilding
coverage,
a
it's
another
pot
of
money
based
on
a
percentage
of
your
coverage,
a
so
don't
rob
from
your
rebuild
to
pay
for
your
demolition
inside
clearing
landscaping.
This
is
interesting
again.
It's
a
separate
pot
of
money,
separate
from
your
rebuilding
account
that
should
be
in
your
policy.
So
you
want
to
ask
the
questions
you're
almost
assuredly
underinsured
again,
ours
is
a
little
different
situation.
We
had
some
50-foot
pine
trees
along
one
side
of
our
property.
E
So
I'm
going
to
recommend
just
make
every
effort
to
get
your
maximum
landscaping
allowance
from
that
from
that
percentage,
because
if
you
had
mature
plants,
you're,
probably
not
going
to
be
planting
mature
plants,
you
should
be
compensated
for
that
and
there
are
things
such
as
landscaping,
scope
of
law.
So
if
there's
any
questions
about
what
it's
going
to
take
to
real
and
scape
your
property,
there
are
landscape
contractors
or
some
nurseries
that
do
landscaping
that
might
provide
you
a
scope,
a
loss.
E
If
you
can
list
all
the
plants
and
other
aspects
of
your
landscape
that
you
lost
other
structures,
I
didn't
know
what
this
meant
either
I
thought.
Oh
I
have
two
sheds.
That's
all
it's
going
to
cover
it's
more
than
that
again,
don't
Rob
from
your
rebuild
account
to
do
anything
outside
of
your
house.
That's
what
I
call
hardscape
or
a
rigid
nonliving
part
of
your
landscape.
E
It's
things
like
fencing's,
fencing,
sidewalks,
driveways,
irrigation
drainage,
retaining
walls.
And,
of
course,
if
you
had
sheds
it
should
all
come
out
of
that
separate
landscaping.
Pot
of
money,
I
have
to
say
a
little
bit
about
your
mortgage
holder.
If
you
have
a
mortgage
and
I'll
say
what
we've
said
about
other
entities,
your
lender
is
not
your
friend
and
I.
Was
amazed
just
be
prepared
to
battle
to
get
releases
of
your
money
to
get
your
rebuild
underway
and
progressing,
and
you
may
already
have
you
probably
already
seen
this
when
they
I
always
thought
insurance.
E
Just
pays
me
to
check
and
I'm
ready
to
go.
I
can
rebuild
my
house,
oh
no,
they
pay
the
check
to
you
and
your
lender.
The
lender
makes
you
sign
it
over
to
them
and
they
manage
your
money
for
you
and
they
have
release
schedules.
In
our
case,
the
release
schedules
didn't
match
the
construction
schedules.
So
if
I
went
with
their
release
schedules,
my
construction
project
would
have
stopped
dead
in
the
water.
E
D
Organized
from
the
get-go,
so
our
receipts
were
already
going
into
the
right
folders
so
that
we
would
have
our
documentation
on
top
stay
on
top
of
it
get
on
your
list
early.
If
you
haven't
started
it,
it's
amazing
how
quickly
your
mind
starts
to
fade
on
the
small
details
and
we
were
constantly
asking
ourselves:
did
we
get
that
on
the
list?
Every
time
every
conversation
it
seemed
like
we
had
stuff
that
we
were
asking
ourselves.
D
We
had
a
Hartford
sent
out
a
third
party
company
called
in
sirvio
calm
that
got
us
started
on
list,
but
you
guys
have
these
great
flash
drives
that
look
like
they've
already
got,
got
that
going
for
you,
so
I
gave
you
that
website,
because
I
didn't
realize
you
were
going
to
have
this
flash
drive,
so
you
may
not
need
inserbia,
but
there
is
there.
Are
companies
out
there
to
help
you
with
that?
At
the
very
least,
you
know
get
the
item,
the
estimated
replacement
cost
and
make
sure
you
include
sales
taxes.
D
That's
a
big
chunk
of
money
that
you
know.
We
forgot
about
that
for
quite
a
while
that
that
that
needs
to
be
included
on
there
and
we
broke
it
down.
We
just
went
room
by
room
and
you
know
close
our
eyes
and
just
go
around
the
room
and
do
a
brain
dump
of
everything
we
could
envision
that
we
had.
We
would
mentally
open
up
drawers
and
try
to
remember
everything
that
was
in
there,
but
you
know
we
did
a
lot
of
backtracking
as
we
were
remembering
things
over.
You
know.
D
The
next
two
years
intensely
go
ahead,
keep
a
little
notebook
in
your
pocket
or
wife's
purse.
Whatever
every
time
we
were
at
the
store,
we
saw
something
we
said:
hey,
we
had
one
of
those,
so
we
were
writing
it
down
right
and
down
the
price.
So
we
already
had
the
estimated
replacement
cost
right
there.
We
matched
a
lot
of
items.
Hartford
gave
us
no
problem
with
that.
So
there
are
a
lot
of
items
that
that
we
were
able
to
just
chunk,
but
that
didn't
make
the
list
any
shorter.
D
Yes,
okay,
go
ahead
to
the
next
slide,
refine
your
list
regularly.
This
was
this
was
just
an
ongoing
event
and
we
didn't
close
out
our.
We
didn't
close
out
our
list
until
last,
not
this
last
August
August,
OBO
9,
that
was
22
months
after
the
fire
we
just
kept
working
it
and
working.
It
I
think
our
ensure
got
pretty
tired
of
us
wanting
to
keep
working
it.
They
wanted
to
try
to
close
it
out,
but
that
was
only
going
to
benefit
them.
We
just
said
no
we're
still
working
it.
D
D
D
Sometimes
there
are
expenses
related
to
your
you're
in
your
displaced
situation
that
you
don't
think
of
that
that
apply.
We
when
we
lost
the
house,
we
had
a
cell
phone
plan
that
was
clearly
inadequate
for
the
volume
of
calls
we
were
now
going
to
have
to
handle
strictly
from
our
cell
phones,
because
we
had
no
land
line
for
until
we
got
relocated.
D
Because
we
could,
we
could
demonstrate
that
those
were
all
directly
related
to
being
displaced
from
the
fire.
We
had
utilities
running
at
the
rebuild
site,
even
though
we're
living
in
another
place
and
paying
utilities.
Those
utilities
that
are
going
on
at
the
rebuild
site
become
additional
living
expenses
like
if
you're
keeping
water
going
to
keep
your
any
existing
landscaping
going.
D
Even
though
you're
rebuilding
around
it
and
electricity
we
had,
we
had
to
bring
in
electric
there,
so
we
had
those
bills
and
so
make
sure
that
you
include
those
ever
just
ask
yourself:
everything
that
will
cost
you
that
you
wouldn't
have
had
to
pay
for
because
of
the
fire
should
qualify
as
an
additional
living
expense
and
there's
there's
money
that
the
insurance
will
pay
for
that
I.
Think
that's!
D
D
The
one
thing
we
learn
most
is
a
politely
challenge.
Things
that
you
don't
agree
with.
The
insurance
company
is
not
gospel
on
on
the
what
should
be
done,
what
can
be
done?
What
will
be
done,
especially
if
you've
got
the
proof
I
think,
especially
if
you
had
you
have
proof
that
they
are
wrong
and
you
are
right
insurance
that
they
didn't
give
us
that
hard
of
a
time,
because
we
showed
that
we
had
the
information
to
justify
it.
D
Getting
organized
gives
you
a
sense
of
control
over
something
at
a
time
when
you
really
don't
feel
like.
You
have
a
lot
of
control
over
a
lot
of
things.
This
process
is
as
long
and
there
are
times
where
you
feel
like
you.
Just
don't
aren't
in
a
position
of
control,
so
those
things
you
can
control
make
sure
that
you
you
stay
on
top
of
them.
It'll
make
you
feel
more
confident
about
where
you're
going
get
everything
in
writing.
Insurance
companies
are
loath
to
put
stuff
in
writing.
D
I
think
they
don't
want
it
to
be
held
against
them
later.
So
that's
pretty
hard
to
get,
but
I
then
went
out
of
my
way
to
document
all
my
conversations
that
I
had
with
them
and
then
I
would
send
it
to
them
and
say
this
is
just
a
document,
a
conference,
the
conversation
we
had
on
such-and-such
a
date
about
x,
y&z
so
that
we
were
all
on
the
record
and
they
could
tell
I
was
covering
our
rear
end
in
case
something
came
up
later,
stay
directly
involved
in
the
claim
and
in
the
construction
project.
D
I
think
that
when
your
hands
on
you
can
keep
it
moving
and
there's
there
isn't
somebody
to
throw
a
monkey
wrench
and
stuff.
So
I
think
that's
that's
more
important
as
just
being
personally
involved
and
just
keep
in
mind.
This
is
a
big
elephant.
Ken
lexus
use
this
term
that
you
can
only
eat
an
elephant
one
bite
at
a
time-
and
this
is
just
one
big
project
that
you
just
have
to
take
one
bite
at
a
time
and
you
do
get
over
it.
A
So
I
want
to
make
sure
that
we
get
to
your
questions
so,
instead
of
going
through
my
part
of
the
presentation,
I
think
I'm
just
going
to
point
out
to
you
all
what
I
what
we
have
in
the
back
and
my
hope
is
that
will
work
with
the
city
to
try
to
make
these
available
in
the
section
of
the
website
that
was
put
together
for
all
of
the
homeowners
so
that
you
all
can
access
those
materials
online
so
just
kind
of
quickly.
So
you
know
what
we
have
here.
A
There
is
a
resource
guide
that
we
put
together
many
of
the
things
that
can
and
Nancy
touched
on.
We
also
put
in
there
really
helping
you
to
think
through.
Are
you
prepared
to
start
having
those
conversations
with
your
contractor
or
vendor?
Do
you
know
what
you're
going
to
need?
Have
you
thought
about
the
spec
sheet
that
was
mentioned
earlier,
and
then
how
do
you
go
about
finding
the
right
contractor
or
vendor
and
to
assist
you
all
with
that
process?
A
We
did
work
on
pulling
together
a
referral
list
of
different
architects
contractors
and
vendors
that
rebuilding
Together
Peninsula
has
worked
with,
but
also
these
are
some
vendors
and
contractors
that
the
city
recommended
folks
from
the
Central
Labor
Council,
the
unions,
as
well
as
the
National
Association
for
the
remodeling
industry
or
naari,
and
so
we
talked
to
all
those
folks.
They
understand
kind
of
the
situation
that
you
all
are
in
because
it
is
more
complex.
A
Not
every
contractor
is
going
to
be
a
good
fit
for
really
working
with
all
of
you,
and
so
all
of
the
folks
who
are
here
are
understanding
of
your
situation,
willing
to
work
with
you
and
have
been
vetted
and
have
a
little
bit
of
information
here.
So
it's
just
a
resource
for
all
of
you
and
then
again,
the
resource
guide
offers
you
some
some
general
questions
to
to
think
about
along
the
process.
A
So
on
that
note,
I
want
to
move
on
and
give
you
all
a
chance
to
ask
some
questions.
So
we
have
a
microphone
up
here.
The
front
if
you'd
like
to
just
state
your
name
and
who
you'd
like
to
direct
the
question
to
whether
it's
aaron,
maybe
some
questions
about,
there's,
been
a
lot
of
talk
about
code
upgrades.
So
I
don't
know
if
there's
questions
for
aaron
about
that
piece
or
for
Amy
and
United
policy
holders
or
Ken
and
Nancy,
based
on
their
own
experience
or
if
I
can
be
of
help.
A
A
D
F
D
Knew
we
were
going
to
rebuild,
but
there
were
some
people
in
our
neighborhood
who
were
clearly
on
the
fence.
You
want
to
comment
more
on
that
there
were
some
who
were
they
sold
their
interest
to
a
builder
who
wanted
to
buy
that
land
and
and
redevelop
it
for
someone
else,
and
they
that
worked
out
well
for
them.
They
could
see
that
it
was
beyond
their
ability
or
desire
to
take
on
that
kind
of
a
project.
So.
E
You
want
to
consider
you
don't
get
that
fifty
percent
total
loss
part
of
the
money.
If
you
decide
to
walk
away,
you
just
get
your
basic
coveri
day,
especially
now,
if
home
real
estate
values
kind
of
depressed,
it's
a
little
tougher
decision
to
just
take
that
basic
money
and
leave
as
opposed
to
rebuilding
a
house
where
you
get
more
value
out
of
it.
So
again,
I'm
not
a
financial
planner,
but
you
have
to
kind
of
run
the
numbers
and
make
sure
thank.
A
C
The
intention
tonight
wasn't
to
cover
every
possible
issue
and
we
actually
wanted
to
kind
of
gauge
a
little
bit
of
where
people
want
more
information
and
we
did
in
in
their
community
and
many
other
communities
offer
like
a
one-night
program
just
about
rebuild
or
by
to
help
people
make
that
financial
decision.
And
of
course
here
you
have
this
extra
curveball
with
with
one
of
the
PG&E
programs,
would
buy
you
out
and
so
I'm
very
much
interested.
C
F
F
C
E
Add
something
in
our
own
experience:
we
actually
used
a
designer
architects
are
usually
higher
in
a
little
more
expense
a
lot
more
expensively.
It
just
depends
on
your
comfort
level.
I'm
got
some
background
in
manufacturing
facilities,
so
I
I
knew
what
I
wanted
in
a
design.
So
I
basically
told
the
designer
how
to
design
it
and
he
did
all
the
blueprints
it
saved,
probably
fifteen
to
twenty
thousand
dollars.
E
F
Then
I
had
another
question
as
well:
I
don't
know
if
it's
necessarily
a
group
question,
but
initially
our
insurance
was
saying:
we'd
get
a
certain
amount
of
money
for
the
house
back
and
then
they
said
Oh
based
on
your
appraisal,
it's
less
than
what
we
were
going
to
give
you.
So
at
this
point,
we're
not
sure
I
haven't
contacted
my
insurance
company
about
it,
but
I'm
not
sure
if
they're
going
to
stick
to
what
they
said
the
first
time
or
go
with
our
appraisal
amount.
A
C
E
C
F
A
C
E
C
F
Hi,
this
question
is
for
the
city
and
Erin.
You
mentioned
something
about
the
city,
we'll
go
over
the
plans
and
the
architects
drawings
and
approve
or
disapprove,
and
what
I'm
wondering
is
how
San
Bruno
is
going
to
control
visually.
What
gets
put
back
because
many
neighborhoods,
it's
very
obvious
when
new
structures
go
in
and
you
have
a
lovely
single
floor
home,
that's
50
years
old.
Next,
to
a
two
and
a
half
story,
you
know
2010
home
and
how
how's
the
city
going
to
keep
unity
it
within
the
neighborhood.
We.
B
Coincidentally,
just
adopted
three
months
before
this
happened,
something
called
residential
design
guidelines
and
those
were
exactly
because
of
situations
that
you
saw
up
there
where
their
work,
homes
that
were
just
built
to
big
large.
You
know
next
to
smaller
homes
or
a
one
that
was
completely
out
of
context
architectural
e
from
the
existing
neighborhood.
So
we
just
adopted
these
residential
design
guidelines
and
they're,
really
not
a
document.
That's
there
to
restrict
creativity.
B
If
you
want
to
have
a
home
when
you
know
meet
your
individual
needs,
but
it's
just
something
that
says
when
you're
going
to
design
at
home,
take
neighborhood
context
in
mind.
So
we
have
those
and
is
we
were
we
work
with
architects
in
the
area
in
developing
them?
So
that's
what
we'll
base
our
approvals
architecture,
but.
B
There's
two
things:
if
you,
regardless
of
the
size
of
your
home,
your
home,
has
to
be
consistent
with
these
residential
design
guidelines.
If
you
decide
to
build
a
home
as
bigger
than
those
development
standards,
what
we'll
do
is
we're
going
to
post
those
poems
the
design
of
those
homes
for
10
days
on
our
website
and
allow
anyone
to
comment
on
them.
You
know
I,
think
this
window
shouldn't
be
placed
here
that
it's
going
to
look
down
in
my
yard
or
I.
Think
this
fortress
2
hive
is.
B
A
What's
the
resource
group
I
guess
that's
part
of
the
long-term
recovery
effort
for
semper.
You
know
that
that
thrive
and
American
Red
Cross
are
helping
to
coordinate.
So
we
would
be
happy
to
kind
of
follow
up
on
on
those
needs.
We
want
to
be
responsive
to
you
all.
Are
there
other
topics
or
key
resources
or
workshops
that
you
all
really
feel
would
benefit?
You.
F
E
B
Well,
obviously,
any
of
the
streets
that
were
damaged
by
the
disaster
going
to
be
repaved
ones
that
are
outside
the
area
that
weren't
damaged
I,
don't
know
the
exact
details
on
those
you
know
the
city
has
a
schedule
that
they
go
through
for
all
their
streets
and
it's
dependent
upon
how
bad
some
other
areas
are
that
that
you
pay
me,
but
definitely
the
ones
that
were
impacted
by
this.
The
sidewalks,
the
streets
or
any
of
the
infrastructure
that
was
impacted
by
this
is
going
to
be
replaced.
B
Working
on
that
right
now,
I
don't
have
an
exact
date,
but
we're
working
with
this
for
a
PG.
You
need
to
help
us
out.
Obviously,
what
would
the
cost
of
that
survey
initially
the
control
properties
following
us.
A
lot
of
the
survey
monuments
in
the
area
obviously
aren't
there
anymore,
so
the
surveying
test
it
even
more
than
it
would
be
when
you're
just
serving
an
individual
line.
F
Our
home
was
a
corner
lot,
so
it
was
the
power.
Pole
was
right
there
and
lots
of
people
have
them
run
through
their
backyard.
So
now,
when
the
when
power
is
restored,
is
there
an
opportunity
to
put
that
underground
for
some
of
those
homes,
or
are
we
just
putting
up
telephone
poles
again?
Do
you
know.
F
F
B
First,
answer
is,
usually:
is
the
private
private
property
owners
responsibility
to
get
their
own?
Usually,
insurance
companies
help
facilitate
that
process
of
getting
an
individual,
every
property
surveying
or
before
the
individual
property.
But
since
there's
so
many
at
the
same
time,
but
we're
looking
into
right
now
is
getting
it
done.
Working
with
PJ
need
to
get
it
a
get.
It
funded
to
get
them
all
done
at
the
same
time.
That
way,
there's
some
economies
of
scale
when
you're,
getting
all
the
lots
done
at
one
time
rather
than
each
individual
home
or
having
to
go
okay.
A
A
Yeah,
so
so
Amy
and
I
will
do
some
we're
talking
to
see
how
we
can
make
these
events
happen
for
you
all
and
will
certainly
continue
to
be
in
touch
with
you
all
through
the
city,
and
that
was
how
we
did
a
lot
of
our
outreach
at
through
thrive
as
well,
and
we'll
definitely
try
to
get
all
of
our
materials
from
tonight.
I
was
up
to
the
city's
website
irin.
If
you
can
help
us
with
that,
and
we
thank
you
all
for
spending
your
evening
with
us
and
certainly
will
all
be
around.