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From YouTube: Insurance Recovery Forum October 28, 2010
Description
Ca. State Dept. of Insurance hosted Insurance Recovery Forum in San Bruno CA
October 28, 2010
A
B
Good
evening
hear
me
ok,
good
evening:
everybody.
Can
you
hear
me
better?
The
more
example.
Ok
here
be
ok
in
the
back
good
evening,
everybody,
my
name
is
steve
poizner,
I'm,
California,
Insurance
Commissioner,
and
it's
a
my
privilege
to
be
hosting
this
forum
tonight
on
insurance
issues.
I'll
have
a
more
to
say
about
this
in
a
moment,
but
my
pleasure
to
turn
this
over
to
your
city
council.
Here
they
get.
This
event
started
off
tonight.
E
B
Thank
you
very
much.
It's
a
pleasure
for
my
team
and
I
to
be
here
in
san
bruno.
I
live
in
los
gatos,
just
a
few
miles
away.
So,
first
of
all,
I
just
a
show
of
hands
how
many
people
suffered
some
damage
here
in
this
explosion
and
fire
well.
First
of
all,
I
just
want
you
to
know
that
our
thoughts
and
prayers
from
the
my
team
and
I
at
the
department
of
insurance
for
the
suffering
you've
had
to
go
through.
I
know
it's
just
a
terrible
tragedy.
B
I
was
elected
insurance
commissioner
for
years
ago,
and
since
I've
been
Insurance,
Commission
has
been
one
disaster
after
another,
in
terms
of
wildfires
in
the
last
four
years
has
been
over
4,000
people
who've
lost
their
homes
completely
in
one
type
of
disaster
or
wildfire
in
the
state
of
California
Edison
last
few
years,
so,
unfortunately,
my
team
and
I
the
department
insurance.
We
have
a
lot
of
experience
at
helping
people
rebuild
their
lives
and
I
know
it
that
the
odds
seem
insurmountable
when
you've
lost.
B
You
know
your
home
or
a
major
damage
to
your
home,
or
god
forbid,
if
you,
if
you
lost
a
family
member
I.
This
is
just
a
terrible
tragedy,
but
I've
seen
this
over
and
over
again
to
in
other
parts
of
the
state,
people
do
rebuild
their
lives.
It
is
possible-
and
we
are
here
to
help
today
mainly
focus
tonight
on
insurance
issues.
Now,
there's
a
lot
of
issues
facing
this
community,
the
folk
of
the
focus.
B
The
main
purpose
of
this
town
hall
this
evening
is
to
focus
on
insurance
issues
and
what's
the
major
insurance
issue
here,
that
we
care
about
the
most
of
the
Department
of
Insurance
is
making
sure
your
insurance
company
pays
up
completely
and
on
time,
because
that
makes
a
world
of
difference
in
terms
of
helping.
You
begin
to
rebuild
your
lives
as
quickly
as
possible,
and
that's
that's
our
goal
in
the
next
few
days.
B
Few
months
and
however
long
it
takes
to
make
sure
you
know
all
the
leader
of
the
responsibilities
from
the
insurance
company
gets
fulfilled
now
for
all
the
people
here
in
San
Bruno.
Now
we
have
a
large
Department
of
Insurance.
I
have
offices
spread
around
the
state
of
California
I
brought
with
me
tonight.
Some
experts
from
the
Department
of
Insurance,
who,
who
who
specialize
in
helping
people
you
know,
go
through
the
rebuilding
process,
go
through
the
process
of
getting
your
claims
paid
by
the
insurance
industry.
B
B
I've
asked
people
from
the
insurance
industry
and
from
some
consumer
groups
to
come
here
tonight
so
that
you
can
begin
to
meet
some
people
who
can
help
solve
some
of
your
problems.
Now
we're
going
to
provide
you
some
information
this
evening,
because
we
know
there's
some
basic
information.
We
need
to
get
out
there
they'll
help.
You
start
the
process
of
filing
for
claims
and
getting
paid.
But
the
main
purpose
of
this
evening
is
to
answer
your
questions,
so
we're
going
to
have
a
Q&A
session
after
the
panel
has
an
opportunity
to
speak.
B
Ask
any
kind
of
question
you
want
on
any
subject.
For
example,
if
you
have
a
question
about
a
particular
insurance
company,
ask
it
and
name
names,
because
if
these
sessions
we're
going
to
try
to
solve
problems
tonight,
if
there
are
problems
with
a
particular
company,
lay
it
out
and
I'll
put
you
in
touch
with
some
representatives
from
the
insurance
companies
to
have
come
here
this
evening
will
try
to
solve
problems
this
evening
directly.
B
But
some
of
you
might
not
want
to
ask
a
question
in
this
particular
setting,
or
maybe
your
questions
might
come
up
later
tomorrow
or
the
next
week
or
the
next
month.
We've
set
up
a
hotline,
so
please
write
down
this
number
and
tonight
you'll
hear
from
speakers
from
some
of
the
other
government
agencies
call
us
no
matter
what
your
question
is.
Just
call
us
and
we'll
get
you
the
right
place,
but
our
hotline
number
is
1
800
927
health,
1,
800,
927
help.
B
This
number
is
also
written
on
the
literature
that
we're
passing
out
in
the
back
to.
But
that's
our
hotline
number
call
us
about
any
problem
with
insurance
call
us
or
you
can
contact
us
online
at
insurance,
dot,
CA
govt,
and
in
addition
to
that,
if
you
want
to
meet
with
this
one-on-one
in
person
rather
than
over
the
phone
or
over
the
web,
just
let
us
know
we'll
come
back
to
your
community
as
many
times
as
we
need
to
with
my
experts.
B
You
know
to
help
you
through
the
process
of
getting
completely
paid
off
by
the
insurance
companies
that
that
owe
you
money
based
on
the
policies
that
you
purchased
and
been
paying
for
over
many
many
years
now
before
I
go
on.
There's
one
group
of
people
I
do
want
to
thank
heroes.
You
know
they're
400,
first
responders
police
officers,
firefighters
that
came
zooming
in
here
and
did
a
tremendous
job
and
really
risking
their
lives
to
respond
to
this
disaster
or
any
of
them
here.
There's
any
firefighters
or
police
here
this
evening.
B
B
B
Very
good,
any
other
representatives
of
elected
officials
don't
like
they
introduce
themselves.
Okay,
the
insurance
companies
I
know
you're
here
someplace.
So
if
you
represent
an
insurance
company,
we
don't
need
to
meet
every
single
one
of
you,
but
it
is
let's,
let's
just
identify
which
insurance
companies
are
here
this
evening.
Yes,
triple-a.
B
B
F
B
G
B
H
Holders
for
a
non-profit
organization,
we
happen
to
be
based
here
in
the
area
that
our
goal
is
to
help
help
resource.
So
if
you
haven't
already
checked
out
our
web
site
near
the
special
affection
for
your
community
hosting
the
special
rules
that
reporter
negotiated
that
helped
get
advances
on
their
insurance,
we've
been
toasting
documents
from
the
city
and
we're
posting
information
from
our
organization
that
will
help
you
troubleshoot
any
insurance
issues
and
I.
Just
really
want
to
thank
the
commissioner
and
his
staff
for
being
here
and
they've
been
very
much
on
the
ground
from
day.
H
H
B
Just
to
help
you
put
this
in
perspective
that
there's
Amy
represents
a
consumer
group.
It's
a
non-profit.
They
don't
have
any
particular
ax
to
grind
there
there.
It's
a
group
that
that
focuses
on
helping
victims
of
natural
disasters
deal
with
insurance
companies.
It's
a
free
resource.
If
you
deal
with
you
with
folks
from
these
consumers,
are
there
to
help
you,
you
know,
get
some
information
and
help
you
plot
out
strategies,
if
needed,
of
course,
the
Department
of
Insurance.
B
If
you
contact
us,
it
doesn't
cost
you
anything
anything
to
contact
contact
us
at
the
Department
of
Insurance
it
the
only
way
we
can
officially
help
you
with
an
insurance
company,
though,
is
you
have
to
file
a
complaint
at
the
Department
of
Insurance?
If
you
don't
file
a
complaint,
we
can't
help
you
officially,
so
you
need
to
file
a
complaint.
If
you
do
file
a
complaint,
you
don't
lose
any
of
your
legal
rights.
You
know.
Ultimately,
you
can
always
hire
a
lawyer
and
Sue
I
mean
that's
always
the
right
that
people
have.
B
Thank
goodness,
it's
sometimes
something
you
have
to
do,
but
you'll
hear
from
us
this
evening.
There's
a
lot
of
the
things
you
can
do
before.
Getting
that
point,
the
lawsuit
is
like
your
last
resort.
It
takes
a
long
time,
it's
expensive,
it's
risky,
you
can
always
do
it,
but
you
should
we'll
try
to
work
through
the
other
means
of
settling
with
your
insurance
company.
First
like
talking
to
the
insurance
company.
It
often
most
of
the
claims
get
settled.
Just
fine
that
doesn't
work.
You
file
a
complaint
then
tony
and
his
his
enforcers.
B
You
can
can
help
solve
problems
if
that
doesn't
work,
there's
mediation
that
the
insurance
companies
have
to
pay
for
by
California
law,
and
if
that
doesn't
work,
you
can
talk
to
consumer
groups
for
help,
and
if
that
doesn't
work,
you
can
always
hire
lawyers.
You
got
lots
of
options
and
we're
here
to
educate
you
on
your
auctions
this
evening,
now
I
we
have
a
panel.
Do
we
cover
all
the
introductions?
Did
we
cover
all
the
groups?
Yeah?
Okay,
so
we
have
a
panel
this
evening
is
going
to
speak
pretty
briefly
about
certain
things.
B
You
just
need
to
know
and
then
we'll
get
into
QA
and
what
will
stop?
The
formal
QA
at
a
certain
point
is
to
try
to
keep
this
on
schedule,
but
we'll
stay
here
till
as
long
as
you
have
questions
and
talk
to
you
all
11,
if
necessary,
tonight,
tomorrow
or
anytime
in
the
future.
So
let's
get
on
with
the
panel
let's,
let's
start
it
Tony's
going
to
be
the
last
speaker
then
introduce
yourself
and
tell
us
how
the
small
business
administration
can
help
after
Thank.
E
You,
commissioner,
my
name
is
Ben
Raju
I'm,
a
public
information
officer
with
the
US
Small
Business
Administration.
What
we
do
is
offer
of
low
interest
disaster
loans
and
to
homeowners
renters,
as
well
as
small
businesses
and
nonprofit
organizations
impacted
by
by
a
disaster
under
declared
disasters.
Earlier
today,
we
received
a
request
from
the
governor's
office
to
D
to
declare
the
area
disaster
area
and
we're
currently
looking
into
that
request
and
will
be
expediting
that
as
quickly
as
possible
to
to
move
forward.
Does.
E
B
E
Sba
has
to
offer
for
homeowners
and
renters
for
loss
of
personal
property
that
is
uninsured
or
underinsured
or
uncommon
sated
for
by
other
sources,
then
SBA
has
up
to
forty
thousand
dollars
available
at
a
low
interest
rate,
which
is
typically
under
three
percent,
and
the
for
homeowners
had
lost
real
estate.
Real
estate
damages
that
were
uncommon
sated
for
by
other
sources.
Sba
has
a
two
hundred
thousand
dollars
available
to
help
cover
any
of
those
losses
that
weren't
covered
by
insurance
companies
or
by
private
parties.
E
The
SBA's
programs
are
available
for
businesses
to
assist
with
up
to
two
million
dollars
and
uncommon
stated
for
losses
as
well.
The
the
funds
that
SBA
has
available
can
be
used
to
help
cover
the
gap
between
what
insurance
may
cover
or
and
what
the
actual
cost
may
be.
We
talked
a
little
bit
or
was
mentioned
earlier
about
verifications
and
lost
adjustments
and
whatnot
SBA
when
somebody
does
apply
for
a
loan.
Sba
does
send
out
independent
loss
verifiers
to
help
you
with
the
assessments
of
your
damage
as
well
and
as
our
other
government
programs.
E
As
the
Commissioner
pointed
out,
there
is
no
cost
for
any
of
these
services.
If
a
disaster
declaration
is
made
and
SBA
does
become
available,
none
of
these
are
there's
no
charge
for
these
services
and
we'll
be
happy
to
meet
with
folks,
and
we
will
have
folks
with
similar
looking
at
higher
here
in
your
community,
ready
to
assist.
Ok.
B
E
E
B
E
B
C
Eve
am
Tom
auriemma
I
like
the
Commissioner
to
live
right
down
the
road
redwood
city,
so
I
was
here
very
early
on
in
this
I'm
responsible
for
mutual
aid
for
law
enforcement
fire
and
are
even
responsible
for
recovery.
So
I've
been
here
30
minutes
into
the
incident
had
been
engaged
with
my
staff
with
the
tremendous
staff
here
at
San
Bruno.
One
thing
I
would
ask
you
to
note,
is
with
SBA.
Sba
was
here
on
the
ground
with
us
very
early
on
doing
a
preliminary
damage
assessment.
C
Sba
did
that
and
when
we
requested
a
presidential
declaration
they
had
to
stop
their
process,
that
that
is
something
that
is
required
with
SBA
and
FEMA.
So
they
don't
have
to
come
in
to
do
the
preliminary
damage
assessment.
It
is
done
so
that
package
as
I've
spoken
to
the
regional
director
is
ready
to
be
forwarded
to
to
Washington
for
review,
but
it
doesn't
have
to
start
all
over.
So
it's
ready
to
go
out.
C
All
they
needed
was
the
formal
request
from
us,
and
the
reason
is
is
that
today,
this
afternoon
we
received
information
from
FEMA
that
the
appeal
for
a
presidential
declaration
has
been
denied.
So
we
only
have
one
appeal:
the
appeal
was
denied
and
I
will
basically
tell
you.
The
reason
it
was
denied
was
that
FEMA
believes
that
it
is
not
beyond
the
capability
of
the
local
and
the
responsible
party.
So
that's
what
it
was
denied
on.
So.
C
C
Other
thing
we're
working
diligently
with
the
county
of
san
mateo
in
this
city
of
san
bruno
on
the
preliminary
damage
assessments
and
writing
the
damage
survey
reports
for
all
of
the
public
infrastructure,
because
until
we
get
the
public
infrastructure
done,
it's
going
to
be
difficult
in
some
areas
to
to
undertake
the
rebuilding
process.
So
we're
trying
to
expedite
that
as
quickly
as
we
can,
with
San
Bruno
and
with
the
County
of
San
Mateo.
F
Right
well,
I'm
from
the
contract
estate
license
florid
I'm
an
investigator.
I
investigate
consumer
complaints
against
licensed
contractors
and
unlicensed
contractors.
Unfortunately,
there
are
people
who
prey
on
disaster.
Victims
and
unlicensed
contractors
go
to
disaster
sites
and
take
advantage
of
vulnerable
homeowners.
So
we
have
posted
disaster
signs
throughout
the
community
here
to
make
sure
that
the
victims
know
their
rights
and
also
to
notify
the
scam
artists
that
we
are
out
there.
We
want
the
homeowners
to
know
that
before
you
hire
contractors
obtain
two
or
three
beds
and
check
their
license.
F
They
contractors
usually
carry
a
pocket
license.
Ask
to
see
that
last
for
other
identification,
when
you
enter
into
a
written
contract,
make
sure
that
all
of
your
verbal
agreements
are
all
delineated
within
the
written
contract.
Make
sure
your
contract
prices,
then
in
the
contract,
the
scope
of
the
work
and
also
the
payment
schedule.
Now
the
most
important
thing
is
there
are
scammers
out
there
who
try
to
get
an
excessive
down
payment.
Then
they
take
off
without
performing
any
work
or
very
little
work.
F
So
the
law
states
that
the
home-improvement
contract
the
payment
should
down
payment
should
not
exceed
ten
percent
of
the
contract
price
or
$1,000.
Whichever
is
less,
you
want
to
make
sure
that
your
payment,
the
contract,
contains
a
progressive
payment
schedule
and
do
not
allow
your
payment
to
exceed
the
value
of
the
work
performed
check.
F
B
Rose
a
couple
dis,
really
key
things.
She
said
three
bids.
Often
working
with
local
contractors
can
be
a
good
option.
You
should
look
at
any
option
you
want,
but
sometimes
local
folks,
you
know
your
neighbors
and
all
make
sure
you
get
multiple
bids
and
compare
and
contrast
make
sure
you
do
reference
checks
on
any
contractor.
You
hire
and
call
rose
on
her
hotline.
B
If
you
want
to
check
to
see
if
the
contractor's
license
you
can,
you
can
check
to
see
if
they're
licensed
in
the
state
of
California
or
not
by
checking
their
website
or
calling
them
on
their
hotline?
Yes,
yes,
very
good!
That's
great
thanks!
Okay
tony
has
been
with
the
department
of
insurance
for
keep
asking
8
to
18
years,
so
we
have
about
a
thousand
employees
all
spread
out
throughout
the
California.
As
I
mentioned,
Tony
runs
my
consumer
services
market
conduct
group.
B
So
he's
the
one
who
audits,
insurance
companies
to
make
sure
they're
fulfilling
all
the
legal
obligations
and
he
has
a
whole
team
of
people
that
take
phone
calls
from
the
public.
We
get
300,000
a
year
where
people
have
questions
or
complaints
about
insurance
companies.
It's
tony
and
his
team
that
are
the
experts
and
making
sure
people
are
getting
what
they
deserve
from
insurance
companies.
So
Tony
a
few
suggestions
for
the
folks
here
sure.
I
Thank
You
Commissioner
I
want
to
leave
as
much
time
as
possible
for
questions
so
I
just
want
to
go
through
a
couple,
just
kind
of
brief
issues
or
topics
just
to
give.
Maybe
people
who
maybe
you'll
lead
to
a
question
that
you
might
have
or
lead
to
a
conversation
later
in
the
in
this
forum.
The
first
thing
is
well
the
first.
I
Let
me
the
very
first
thing
is
this:
is
this
situations
a
little
bit
different
in
that
we
have
a
PG&E
coming
in
to
the
situation,
but
I'm
only
going
to
speak
to
mainly
about
the
insurance
aspect
of
it.
There
will
be
some
nuance
to
the
nuances
to
that
because
of
the
PG&E
issue,
but
let's
first
focus
on
what
your
insurance
companies
obligations
are
and
then
we
can
go
from
there.
You
know
the
first
issue,
the
first
steps
you
know
really
are
and
we're
we're
several
days
in
now
and
I
assume.
I
Oh,
so
you
have
filed
your
claim.
If
you
have
not
filed
your
claim,
you
really
need
to
file
your
claim.
There's
really
no
reason,
and
we
could
talk
about
that.
If
you
have
a
question
to
not
file
your
claim,
their
your
claim
could
be
jeopardized
down
the
road.
If
you
decide
if
you
are
a
late,
filer
or
don't
file
after
certain
periods
of
time,
so
please
file
your
claim.
The
second
issue
is
get
a
copy
of
your
entire
insurance
policy,
including
your
declan.
I
You
walk
you
through
that
process.
The
insurance
company
has
30
days
to
give
you
a
copy
of
that
estimate
once
you
make
that
request,
so
do
so
immediately,
if
you
haven't
already
done
so,
a
third
step
really
is
to
get
organized.
I
know,
that's
not
easy,
but
one
one
thing
would
be
to
make
sure
you're
saving
all
your
receipts
for
everything.
You're
doing
you
may
not
need
them,
and
there
may
be
some.
I
You
know
flexibility
with
insurance
companies
on
what
they
might
ask
for
on
whether
it's
your
additional
living,
expense,
coverages
or
your
personal
property
losses,
or
your
emergency
repairs,
or
even
your
overall
repairs
or
rebuilding,
but
you're,
better
off
saving
everything
he
could
possibly
can
and
if
you
don't
need
it
great,
but
if
you,
if
you
do,
need
it
at
least
you'll
have
it.
So
if
you
have
to
get
a
big
box
and
start
throwing
things
in
it,
that's
probably
a
good
first
step.
I
Additional
living
expenses
is
very
important,
obviously,
because
this
is
a
declared
emergency,
the
insurance
company's
required,
regardless
of
what
your
policy
coverage
it.
Your
time
limit
on
your
policy
might
be
for
additional
living
expenses.
Is
required
to
give
you
24
months
of
additional
living
expenses
covered?
It
doesn't
increase
your
coverage
limit.
So
if
you
have
eighty
thousand
dollars
for
additional
living
expenses,
that'll
still
be
your
limit,
but
you'll
least
be
able
to
use
that
through
a
24-month
period.
Even
if
your
policy,
for
example,
in
a
non
emergency
situation,
might
only
cover
you
for
12
months.
I
Your
your
contents,
your
personal
property,
it's
going
to
be
really
important
to
keep
receipts
as
you
replace
things.
It's
going
to
be
your
at
some
point,
you're
going
to
have
to
itemize
whether
your
insurance
company
is
going
to
be
flexible
in
that
regard
in
terms
of
grouping
certain
items,
you
know
a
hundred
books
versus
naming
every
book
or
your
wardrobe,
those
sorts
of
things
the
Commissioner
poisoner
was
was
instrumental
a
few
years
ago
and
getting
some
voluntary
claim
reforms
which
I
think
helped
a
lot.
I
And
you
know
one
of
those
was
the
insurance
companies
we're
going
to
be
more
flexible
in
terms
of
well
the
strictness
in
the
inventory
that
they
would
normally
require
you
to
do,
which
could
be
pages
and
pages
long
energy
under
in
the
past,
so
hopefully
that
flexibility
is
still
there.
In
addition
to
that,
because
this
is
declared
emergency,
you
know
voluntarily.
Men
and
many
of
these
companies
has
also
have
also
agreed
to
pay
an
upfront
advance
money
for
additional
living
expenses-
our
cyber
contents.
I
I
The
primary
issue
you're
going
to
face
is
determining
how
much
is
how
much
of
the
damages?
What
is
my
loss?
How
much
is
going
to
cost
to
rebuild
how
much
is
going
to
cost
to
repair?
Those
are
really
going
to
that's
going
to
be
the
real
key
issue
in
your
structural
loss
and
whether
you
have
a
total
loss
or
whether
you
have
a
substantial
loss
or
just
a
partial
loss.
I
Let's
say
for
smoke,
damage
you're
going
to
need
to
quantify
what
you,
what
you
lost
for
a
total
loss,
you're
going
to
need
to
quantify
what
it
would
cost
to
rebuild
that
identical
property
if
it's
a
3-bedroom,
2bath
2,000
square
foot
home.
That
is
what
needs
to
be
quantified
so
that
the
insurance
company
can
determine
the
cost
that
it
needs
to
pay
for
its
replacement
cost
for
the
home.
I
If
it's
a
partial
loss,
you're
going
to
need
to
determine
with
it
with
a
contractor's
help,
or
maybe
other
experts
as
to
what
needs
to
be
done
to
replace
the
roof
need
to
be
repaired,
it
doesn't
need
to
be
completely
replaced.
Does
that
need
to
be
completely
repainted
or
partially?
You
know
those
are
going
to
be
some
of
the
issues
so
you're
going
to
need
to
work
with
your
insurance
company
and
getting
their
scope
of
loss
dealt
with
to
give
them
the
information
they
might
need
to.
I
If
we
can't
get
it
resolved
at
the
Department
of
Insurance,
we
do
have
a.
We
have
a
formal
mediation
process.
We
have
about
100
mediators
located
throughout
the
state,
and
many
in
this
area
that
will
for
free
to
the
consumer
will
attempt
to
mediate
the
case
with
the
insurance
company
and
it's
non-binding
on
either
party.
But
we've
had
a
pretty
good
success
in
getting
the
parties
together
to
get
an
agreement
in
a
settlement.
So
that's
one
Avenue.
I
Ultimately,
you
could
there's
an
appraisal
provision
in
your
insurance
policy
and
that's
a
more
formal
process
that
is
binding.
That's
not
something
that
we
deal
with.
That
would
be
something
that
you
would
work
with
your
insurance
company
on
and
you
might
hire
an
adjuster
in
that
case,
to
work
with
you
to
quantify
your
loss
and
at
that
point
a
and
arbitrator
will
an
appraiser
will
end
up
making
a
final,
binding
decision
on
the
cost
of
of
your
claim.
Then
the
insurance
company
will
pay
that
amount.
I
You
know,
then,
if
you
have
a
question,
because
if
you
don't
do
that
from
the
beginning,
you're
going
to
be
starting
from
scratch-
maybe
three
four
six
months
from
now
so
get
into
our
process.
You
know
we
don't
deal
with
it.
When
you
come
to
us,
it's
not
an
adversarial
thing
where
you
know
the
insurance
companies.
You
know
it
shouldn't
be
an
adversarial
thing.
The
insurance
companies
are
fine.
You
know,
I'll
speak
for
them
on
this
they're
fine
with
it.
I
You
contacting
us
and
us
contacting
them
trying
to
work
this
issue,
while
because
in
many
ways
you
know
that
could
assist
in
getting
some
of
these.
These
issues
resolved
in
the
end.
If
we
can't
resolve
it
and
if
it's
something,
let's
say
beyond
our
authority
or
a
legal
issue
and
the
mediation
doesn't
resolve
it,
then
it's
Commissioner
suggested.
There's
always
you
know,
speaking
to
an
attorney,
see
what
can
be
done.
Speaking
of
the
consumer
group
see
if
they
have
us
other
resources
or
sources
for
you.
B
Thanks
Tony,
this
is
probably
our
12th
or
13th
type
of
town
hall.
We've
done
around
the
state
after
these
unfortunate
disasters,
just
quick
question:
how
many
of
you
don't
have
a
copy
of
your
insurance
policy
because
it
might
have
gotten
damaged
or
destroyed?
Okay,
we
get
this
question
a
lot.
How
can
I
get
a
copy
of
my
insurance
policy
Tony?
Can
you
answer
that?
Well,.
I
If,
first
of
all,
if
your
company's
here
I
mean
let's
get
with
them
tonight
and
if
you've
requested
and
hadn't
received
it
or
if
you
have
a
requested,
it
yet
make
sure
make
their
two
best
tonight
and
we'll
make
sure
that
you
get
it,
because
it's
very
important
to
have
that.
It's
really
your!
You
know
your
roadmap
to
to
what
your
insurance
companies
obligation
is
of.
B
Course,
they're
they're,
obliged
by
law
to
give
you
a
copy
of
your
policy
and
within
a
certain
number
of
day
so
30
days,
yeah
PG&E
or
their
Pope
folks
from
PG
in
here,
because
you
I'm
in
to
introduce
your
welcome.
Could
you
just
stand
up
in
here
to
introduce
yourselves?
The
focus
of
this
evening
is
not
on
PG
@
PG,
knee
issue,
so
much
you're
going
to
have
a
think,
a
seminar
or
Town
Hall
tomorrow
night,
which
will
focus
more
on
pge
issues.
B
I
B
Very
good
thanks
thanks
Byron.
So
if
you
have
questions
now,
please
come
to
the
microphone
and
ask
on
really
any
subject,
though.
The
focus
tonight
is
we're
here
to
help
you
on
insurance
issues.
That's
the
focus
tonight
where
we
have
our
team
of
insurance
experts
here
here
in
the
back
of
the
room
and
I
have
a
bunch
of
my
lawyers
from
San
Francisco
here
too
and
Consumer
Services
folks
from
Los
Angeles.
If
you
have
questions,
please
now's
a
good
time.
B
E
Robert
Sherlock
and
my
question
is
pretty
simple,
but
it's
important
to
me
and
my
family.
My
house
is
350
feet
according
to
google
earth
from
the
blast,
crater
will
call
it
and
my
insurance
company
is
farmers.
They've
been
pretty
good
about
replacing
stuff,
but
I
have
ran
into
some
glitches
like,
for
instance,
we
got
three
bids
to
replace
our
windows
and
we
have
premium
windows
and
they
offered
us
four
thousand
dollars
initially
and
that
wouldn't
even
replace
one
of
my
sliders.
E
So
we
had
to
go
through
somewhat
of
a
hassle
to
get
them
to
kick
down
money.
That's
fine,
then
I
see
my
neighbors
are
starting
to
get
their
roofs
replaced
and
they
had
a
roofer
come
out
examine
the
insurance
company.
Had
a
roofer
come
out
on
behalf
of
them
examine
the
roof
about
a
week
ago
we
haven't
heard
anything:
it's
like
they
don't
respond
us.
We
have
to
constantly
call
them
to
get
answers,
so
I
had
a
roofer
come
out
and
looking
he
says
we
need
to
get
it
replaced.
E
Okay-
and
my
question
basically
is:
why
does
it
take
so
long
for
one
insurance
company
respond
while
another
one's
real
quick,
because
where
I
am
3a
is
being
great
at
replacing
my
neighbor's
roofs
and
more
specifically,
my
neighbor
next
door,
who's
technically
further
away
from
the
blast
greater
than
my
house,
his
roofs
already
been
removed,
replaced
and
it's
over
and
done
with.
My
house
is
closer,
but
yet
my
insurance
company
seems
to
take
a
long
time
to
get
anything
done.
Okay,.
B
I
And
in
general,
they're
required
to
respond
within
15
days
to
every
communication.
You
know
that
you
make
and
there's
some
there's
some
nuance
that,
but
you
know
you
should
know
you
should
be
hearing
back
from
your
insurance
company,
and
you
know-
and
that's
one
of
the
reasons
why
we're
having
this
forum
is
to
to
a
life
your
company's
here,
which
they
are:
okay,
where's,
the
farmers
chief
up.
You
know
to
get
with
them.
I
You
know
and
figure
that
out,
and
you
know
make
sure
that
the
the
estimate
gets
done
from
the
insurance
companies
end
and
that
you
examine
it.
You're
comfortable
with
it
and
the
decision
that's
being
made
going
forward,
you're
comfortable
with
in
the
end,
once
you
do
get
the
insurance
companies
estimate
and
in
either
the
amount
is
not.
There
is
not
what
you
or
what
you're
either
your
contractor,
suggesting
it
should
be,
or
if
these
the
scope
of
what
the
insurance
company
is
willing
to
replace,
is
not
the
same
as
let's
say,
a
full
replacement.
I
If
that's
what
your?
What
your
claim
is,
then,
you
need
a
year
to
need
a
document
that
you're
going
to
need
to
get
your
estimate
from
your
contractor,
so
that
and
then
go
to
go
to
the
insurance
company,
provide
that
information
event
or
maybe
have
them
talk
to
each
other.
That's
probably
the
best
thing
in
the
meantime,
we're
always
there
available
to
intercede
and
look
at
it
and
say:
okay
is
the
insurance
company
fulfilling
its
obligation
in
terms
of
paying
the
claim
plank
to
replace
the
damage
that
was
caused
by
the
fire?
Okay?
Well,
while.
E
I'm
up
here
then
I'm
on
a
roll
specifically
than
one
give
you
the
example:
the
houses
next
door
to
mine,
that's
technically
further
away
from
the
fire
they're
inch
there
there.
My
roof
was
put
on
brand
new
in
2002,
my
neighbor
that
had
his
replaced.
That
is
further
away.
His
roof
was
newer
than
mine
and
his
has
already
been
replaced.
Now,
let's
assume
that
farmers
comes
back
says:
oh,
no,
your
roofs
find
that
I'm
curious.
E
I
I
You
know
in
theory,
that's
that's
that's.
If
that's
the
case.
That's
then
you
have
a
very
good,
very
good
point,
but
we
have
to
look
at
your
particular
roof.
Does
your
particular
roof?
Did
it
suffer
damage
such
that
it
needs
to
be
replaced
or
partially
repaired?
So
it's
very
difficult
to
kind
of
look
at
other
houses
and
say
well.
This
one
was
replaced
on
mine
should
be,
but
you
know
you
know
what
you
know
more
than
I
do
I
haven't
seen
your
roof,
but
we
have
to
really
look
at
your
roof.
I
Does
your
guru
suffer
damage
such
that
it
needs
to
be
replaced
and
that's
the
question
that
needs
to
be
answered
first
and
the
insurance
coming
needs
to
make
a
decision,
an
initial
decision.
You
need
to
be
comfortable
with
that
decision
and,
if
not,
you
need
to
go
back
to
the
company
and
ultimately
to
us
to
see
if
we
can
archive
result.
B
G
James
Swardson
I
live
on
17
21
Earl,
it
was
completely
destroyed,
I
was
33
houses
tomorrow,
site
I
have
a
couple
questions.
One
thing:
we
start
out
really
good
with
farmers
that
the
initial
estimates
and
everything
they
came
out
with.
Then
they
looked
at
the
property
and
they
said
I
was
over
insured.
G
So
they
want
to
cut
my
claims
now
by
a
third
of
what
the
initial
estimates
were,
because
they
said:
I
had
too
much
insurance
on
my
house,
which
policies
that
they
wrote,
I
didn't
write
them,
I,
sign
them,
but
I
don't
write
them
and
now
they're
saying
everything
should
be
cut
by
a
third.
Is
there
anything
to
do
with
over-insured
things
that
can
be
resolved?
Well,.
I
I
mean
there
really
should
not
be
an
issue
with
you
being
over-insured.
You
entered
into
a
contract
for
a
policy
limit
right.
You
know
they
should
stand
by
that
I
mean
the
will
need
that.
We
would
need
to
look
at
see
whether
the
reason
why
they're
cutting
your
claim
by
a
third
or
a
third
of
what
your
claim
is
is
because
of
your
policy
limit
or
because
they
just
believe
the
overall
cost
to
replace
is
less
than
what
they
originally
wrote.
It
dis.
I
In
terms
of
holding
them
to
it,
I
mean
you
should
do
that.
You
should
certainly
do
that.
Legally
I
mean
we
wouldn't
be
able
to
say,
okay,
insurance
company
must
be
held
to
that,
but
we'll
certainly
look
at
that
and
if,
if
it
must
are
some
extenuating
circumstances,
if
they
wrote
the
estimate
and
the
estimate
was
accurately
reflecting
what
you
what
you
lost,
that
you
know
the
size,
the
square
footage
is
the
number
of
better.
G
I
G
G
That
I
have
one
other
question.
Sure
they've
also
told
me
what
we
we
live
in
an
earthquake
zone,
there's
no
additional
expenses
for
a
living
in
an
earthquake.
Film
such
as
shear
walls,
bolding
houses,
down
folding,
my
chimney
down,
so
it
doesn't
fall
down
and
it
said,
there's
no
cost
involved
in
that
it
should
be
it
shouldn't,
be
added
to
the
estimates.
Is
it
in
a
and
I
went
to
the
building
department
in
san
bruno?
They
said:
there's
an
issue
section
issued
by
the
state
of
california.
I
G
I
I
Okay,
so
it
should,
it
should
be
included
as
long
as
was
included
in
the
description
of
your
property
in
in
general
terms,
it
wasn't
norge
if
you
added
square
footage.
Your
case
doesn't
matter
because
you
have
more
square
footage
apparently
anyway,
but
but
it
really,
it
shouldn't
be
an
issue
then,
but
you
know
we
don't
have
the
facts
to
be
able
to
figure
that
out,
but
we'd
be
happy
to
take
a
look
at
it
and
the
farmers
would
be
happy
because
you've.
G
Only
have
one
other
question
sure
is
when
they
determine
the
cost
of
repairs,
they're
repairing
on
what
they
call
a
computer
program
for
national
average,
not
local
rate.
So
if
you
want
to
rebuild
your
house,
it's
not
based
on
building
a
house
here,
it's
built
based
on
building
the
house
anywhere
in
the
United
States.
It.
I
G
I
H
B
H
So
it
sounds
like
maybe
you
haven't
gotten
your
own
estimate
for
what
not
yet
okay
I
think
that
will
help
our
that
will
help
very
much
because
I
think
a
lot
of
times.
Your
insurance
company
adjuster
will
take
a
sort
of
a
first
pass
at
estimating
the
replacement
costs
and
maybe
they'll
use
this
program
called
Xactimate,
which
spits
out
a
pretty
impressive
looking
computer-generated
estimate.
But,
as
we
often
say,
computers,
don't
build
houses.
You
know,
builders
build
houses,
so
you
really
are
going
to
have
to
get
your
own
estimates,
at
least
as
the
Commissioner
suggested.
H
It's
a
good
idea
to
get
more
than
one,
and
that
does
take
a
little
bit
of
time,
and
one
of
the
important
but
kind
of
difficult
things
to
do
is
to
get
the
estimate
to
replace
the
home
that
you
had.
Even
if
you
have
no
intention
of
replacing
that
exact
house-
and
it's
very
in
fact
it's
very,
very
rare.
After
a
total
loss
or
even
a
very
serious
loss,
somebody
wants
to
put
back
the
exact
same
house.
H
People
always
think
well,
I
could
make
like
it
could
be
a
little
better
this
way
or
that,
but
what
your
insurance
company
owes
you
is
to
put
back
what
you
had,
and
so
you
have
to
take
that
extra
time
and
sometimes
even
expense
to
to
get
to
an
apples-to-apples
agreement
with
your
insurance
company
and
and
very
often
people
will
go
off
track
and
they're
in
their
discussions
with
their
insurance
company,
because
they're
just
not
talking
about
the
same
thing.
Your
insurance
company
is
talking
about
replacing
like
honey
quality.
H
What
you
had
hopefully
and
you're
talking
about
what
you
want
to
do
so,
if
you
can
get
back
to
first,
your
back
a
step
get
get
back
to
that
hypothetical,
as
if
you
were
going
to
replace
what
you
had
try
to
come
to
an
agreement,
the
insurance
company
and
then
figure
out
what
kind
of
one
you
have
available
to
do.
What
you
want
so
that
that
I
think
is
a
very
crucial
step.
H
E
Name's
Jerry
Guernsey,
we
lost
everything
and
I
have
a
lot
of
collections.
My
insurance
company,
3a
is
told
me
I'm
supposed
to
list
everything
and
I
have
a
lot
of
tools.
They're
telling
me
they're
going
to
devalue
my
tools,
no
matter
what
condition
they
were
in
lifetime
guarantee,
doesn't
matter
and
I've
got
22
pages
of
stuff
I've
written
up
so
far
and
I'm
wanting
to
know
number
one
when
do
I
have
to
file
by
how
many,
how
many
days
months
or
whatever
do
I
have
and
number
two
do.
I
At
the
end
of
that
process,
he
told
me
the
right.
So
if,
if
that's
the
case,
then
you
know
that's
valid
and
legal
to
do
if
there's
something
else
going
on,
then.
Obviously
we
want
to
know
about
that.
There
may
be
some
issues
with
tools
in
terms
of
what
are
called
sub
limits
on
tools
that
that
would
like
further
reduce
how
much
they
might
pay
on.
I
You
know
various
issues
like
tools,
automobile
parts,
cash
jewelry,
that
sort
of
thing
there
could
be
sub
limits
of
a
thousand
dollars
or
five
hundred
dollars
or
two
thousand
dollars,
depending
on
what
your
policy
says.
So
they're
raised
those
things
to
look
at
too,
in
addition
to
the
depreciation
that
they
might
be
doing
on
the
on
the
front
end.
But
you
would
in
theory,
get
that
back
once
you
spent
the
money
to
actually
do
the
replacement.
No
he's
told
me
if
I.
E
Replace
things
okay,
it
the
problem
is
we
have
no
house
so
I'm
not
going
to
go
out
and
buy
a
whole
bunch
of
stuff
to
put
in
the
rental
house-
and
we
probably
won't
have
another
home
for
a
couple
years
so
and
I'm
67
years
old,
I,
don't
necessarily
want
to
have
50
years
of
tools
again
plus
they
lost
a
57
Chevy.
That
was
my
pride
and
joy
and
I'm,
not.
I
Going
to
build
another
car
right
and
you
so
work
with
your
insurance
company
I
mean
you
have
time
before
you
need
to
actually
replace
it,
and
then
your
policy
will
have
the
time
limit
on
there.
It's
typically
it'll,
say
they're
hundred
eighty
days
or
you
know,
or
12
months
or
something
and
take
a
look
at
that.
You
know.
B
I
So
you
know,
hopefully
we
won't
get
to
that
point,
but
but
I
mean
I'd
say
you
know
come
in
come
into
our
process
and
let
us
at
least
you
know,
answer
some
of
the
questions
more
specifically
based
on
your
exact
case,
your
exact
policy
and
then
maybe
walk
you
through
any
other
issues
that
you
might
have
to.
Okay,
thank.
B
You
and
Jerry
Tony
mentioned
that
I
was
successful,
negotiating
with
insurance
companies
a
few
years
ago
after
those
terrible
2007
fires
to
ease
up
when
there's
a
total
loss
on
on
inventory
requirements,
because
gosh
is
practically
impossible
right
so
triple
a
or
is
there
someone
yet
could
you
could
you
get
with
this
gentleman
afterwards
and
see
if
you
can
help
them
simplify
the
inventory
process?
Thank
you.
Okay.
Next
question.
F
I
would
like
you
to
address
the
meaning
of
the
privacy
portion
of
your
insurance
policy,
not
to
be
shared
with
other
entities
and
what
you
do
if
that
has
been
violated
or
prospectively
violated,
and
then
the
other
thing
I'd
like
you
to
address
is,
if
you
would
give
me
a
thorough
explanation
of
what
the
living
expenses
per
diem
maximum
would
be.
If
you
were
staying
in
a
hotel
or
and/or,
eventually
get
into
a
rental
home.
I
In
terms
of
additional
living
expenses,
you're
going
to
have
a
a
policy
limit
I-
let's
say
it's
fifty
thousand
dollars
and
it
may
there
may
even
be
a
time
limit.
You
know
some
policies,
don't
have
a
time
limit.
It
could
be
to
up
until
the
point
where
you
can
reasonably
rebuild
and
move
back
in
other
ones,
we'll
say
six
months
or
12
months
or
24
months,
because
this
is
a
an
emergent,
a
declared
emergency.
The
law
requires
your
additional
living
expense
coverage
to
be
24
months.
I
I
F
I
What
you
would
look
at
is
what
were
your
costs
before
and
then
you
would
look
at
what
are
your
costs
now,
so
the
additional
amount
and
and
then
there's
different,
there's
uniqueness
depending
on
what
your
policy
is.
The
additional
amount
is
typically
what
you're
owed,
not
the
full
amount.
If
you're,
if
you
were
spending,
if
your
household
was
spending
2,000
a
month
and
and
now
you're
spending
three
thousand
a
month,
then
your
additional
living
expenses
would
be
a
thousand
a
month.
I
In
theory,
some
policies
may
opt,
or
you
may
have
an
option
in
some
policies
to
go
with.
What's
called
a
fair,
enter
value
option
which
is
to
just
get?
What
would
what
would
that?
What
would
your
property
rent
for,
and
instead
of
going
through
the
cost
incurred
basis
of
every
receipt
and
every
meal
on
every
monthly
hotel
bills
and
everything
it
would
mainly
be?
What
is
the
fair
rental
value
of
your
home,
and
that
would
be
the
amount
that
you
that
you
could
get.
Not
all
policies
have
that,
and
sometimes
it's
not
an
option
in.
F
D
I
I
mean
assuming
you
know
that
your
situations
finite
it's
it's
over
right
now,
you're
just
looking
at
here's,
the
cost
I
incurred
and
how
much
insurance
company
are
you
going
to
pay
me
for
these
incurred
costs
that
I'm
submitting?
I
assume
you
know
work
with
your
insurance
company,
but
certainly
come
to
us,
we'll
take
a
look
at
that
and
see
what's
what's
fair
and
reasonable,
and
what
the
insurance
companies
obligation
is
and
what
they
should
be
paying.
You
now.
B
I
know
Tony's
mentioned
it
several
times.
You
know
come
ask
those
questions.
The
insurance
policies
are
these
legal
documents
that
are
complicated.
So
if
you
send
us
a
copy,
we
have
teams
of
experts
that
know
how
to
read
these
things
and
interpret
them.
If
we
get
a
copy
of
your
insurance
policy,
we
can
help.
You
understand,
you
know
what
you're
owed,
but
we
need
to
see
the
actual
policy
to
help
there
with
regards
to
the
privacy
question.
Do
you
know
about
that?
Well,.
I
Yeah
I
mean
in
terms
of
the
privacy
issue,
I
mean,
certainly
if
the
we
would
have
to.
We
have
we'd
have
to
understand
what
information
was
being
transmitted
into,
and
why
and
look
at
what
your
policy
provisions
are
and
look
at
the
policy
statutes
and
the
policy
and
the
privacy
statute
to
the
privacy
regulations
that
we
have
in
place
and
ensure
that
the
insurance
company
is
following
that.
Certainly
well.
F
I
was
told
in
this:
could
this
is
just
hearsay,
but
from
a
manager
at
servpro
that
only
farmers
had
that
up
this
privacy
thing
that
could
be
basically
violated
in
their
policies,
but
all
the
other
insurance
companies
do
not
have
that
so
that
they
can't
violate
your
privacy
as
an
insurance
company
by
giving
out
any
information
about
your
claim
to
anybody,
and
so
I,
just
like
generally
for
you
to
address
that
to
the
public.
Well,.
I
Yeah,
it
really
depends,
I
mean
they.
They
have
a
lot
they're
able
to
provide
information
to
claims
a
clearinghouse.
You
know
data
gatherers,
that
sort
of
thing
they
provide
information
to
their
adjusting
staff
and
some
outside
adjusters
and
outside
you
know,
affiliated
service
people
that
might
be
working
on
your
case
other
than
that.
We
really
need.
We
need
to
know
more
information,
but
certainly
if
an
insurance
company
is
providing
personal
or
privileged
sensitive
information
that
they
shouldn't
be,
and
we
would
like
to
know
about
it
so
that
we
can
do
something
about
it.
Certainly
Adam.
B
Do
anything
to
add
on
that?
Okay,
all
right!
Thank
you
for
those
questions,
anything
the
other
questions,
and
there
are
questions
for
the
group.
Now
you
may
prefer
to
ask
these
questions
after
we
wind
up
this
portion.
If
you
prefer
to
ask
questions
one
on
when
I'll
introduce
my
CD
I
team
here
in
a
moment
and
go
up
to
any
see
any
Department
of
Insurance
person
seeking
get
help
to,
or
course
the
insurance
folks
are
going
to
be
sticking
around.
B
J
B
I
B
That's
relatively
new
and
make
sure
you
understand
that
option
and
you
don't
have
to
rebuild
your
existing
location.
I
mean
separate
from
what
the
pge
is
offering.
You
may
be
some
additional
options
you
should
seriously
consider
just
so
you
understand
all
your
options,
but
the
California
law
says
that
if
your
house,
you
know
burns
down,
then
you
can
take
that
replacement,
cost
valued
your
policy
and
go
build
someplace
else
or
go
buy
an
existing
house.
That's
already
built
someplace
else.
You
know
up
to
the
policy
limits.
B
You
got
lots
of
options,
make
sure
you
think
through
all
the
options
that
makes
most
sense
for
you,
let's
see
it
so,
while
you're
looking
at
those
questions,
what
I
can
do
is
the
people
from
the
Department
of
Insurance.
Can
you
introduce
yourselves
so
that
people
know
who
you
are
and
that
way
in
case
they
want
to
ask
you
a
question
afterwards:
go
Ahead's
to
introduce
yourselves
in
the
background.
B
So
feel
free
to
talk
to
any
of
these
folks
afterwards,
if
you'd
like
or
come
up
to
tuck
any
people
up
here
on
the
panel,
any
people
from
pge
city
officials,
insurance
company
folks
will
all
be
sticking
around
here
for
for
a
period
of
time
after
we
wind
up
here
any
any
other
questions
from
the
audience
yes,
ma'am
come
on
up
and
didn't.
Tony
will
be
getting
this
on
these
written
questions
here
in
a
moment.
J
My
name
is
Milan
I
live
on
2781
conquer
way.
You
know,
I
just
want
to
say
my
house,
a
very
serious
smoke
damage
and
then
restoration
came
in
and
clean.
The
house
and
I'm
wondering
you
know
I
just
don't
feel
very
safe
to
live
in
the
house,
because
I
have
serious
allergy.
So
I'm
wondering
what
it's
my
option.
You
know
whether
can
I
ask
insurance
company
come
up
to
coming
and
tests
the
air
in
my
house
to
make
sure
I
safe
to
live
in
a.
I
J
I
You
can
certainly
ask
your
company
to
come
in
and
check
it
out
and
in
some
cases,
although
it
could
be
an
expense
of
considerable
expense,
an
insurance
company
can
send
out
a
hygienist
to
really
do
a
some
testing
on
the
air
quality
and
that
sort
of
thing
to
make
sure
that
there
isn't
any
residual
smoke
and
other
issues
there.
You're
always
free
to
do
that.
Obviously,
that's
an
extra
expense
on
your
site.
I
You
know
whether
or
not
that's
something
that
if
the
insurance
company
just
you
could
come
to
us,
we
take
a
look
at
it
and
see
whether
the
insurance
company
is
willing
or
we
can
have
the
insurance
company.
They
can
request
to
them
to
truly
ascertain
what
the
situation
is
if
it,
if
it's
something
that
ultimately
isn't
done,
that
way,
whether
or
not
you
know
PG&E,
we
willing
to
to
cover
that
you
might
might
be
an
alternative
to
to
see
if
they're
willing
to
cover
the
cost
of
a
hygienist
coverage.
B
B
B
So
stay
farm
raised
your
hand,
okay,
first
of
all,
talk
to
state
farm
person
afterwards
and
see
what
their
policy
is
about.
This
a
signal,
LP
Cheney,
have
you
thought,
through
this
issue
of
what
to
do
about
people
wondering
about
the
weather
it's
safe
to
be
in
homes
that
had
serious
smoke
damage?
Let
me
have
you.
Is
this
an
issue.
E
Once
again,
my
name
is
Dustin
Perkins
with
that
PG
nice
claims
department,
like
I,
said
ideally
we'd
like
them
to
pose
the
question
to
their
insurance
company
first
see
if
that's
something
that
can
be
covered
under
their
policy,
but
they're
always
free
to
come
to
us
and
made
a
claim
and
ask
us
to
get
involved
at
that
point
in
time,
and
everybody
should
have
their
claims,
manager's
name
and
relationship
managers
name.
So
that's
that's
the
process
I'm
getting
them
in
touch
with
us.
How.
B
E
B
J
Another
question:
okay,
so
my
back
is
completely
burned
down
is
completely
you
know,
it's
very
badly
damaged,
so
I
believe
my
ensuring
you
know
like
a
lot
of
trees
as
well,
so
I
believe
the
engine
cover
five
hundred
dollars
per
tree,
but
I
do
not
believe
I
can
replace
the
tree
in
my
backyard
with
that
amount.
So
what
what
can
I
do
even
I
think
I,
don't
know
what
is
a
total
backyard
replacement
or
Lansky
replacement?
I
I
That
estimate
you'll
at
least
know
what
your
insurance
company's
going
to
pay
and
in
this
particular
case
I,
don't
want
to
speak
for
PG&E.
Obviously,
but
there
is
an
alternative
source
that
you
could
approach
similar
to
the
other
issue
of
once
you're
clear
as
to
what
the
insurance
company
is
going
to
pay
or
what
their
limitations
are.
If
you
think
they're
not
paying
the
rightful
amount.
I
B
E
B
C
B
C
Please
I
just
wanted
to
make
sure
that
everybody
understands
that
the
governor
side
in
the
executive
order
to
help
you
all
with
your
important
documents,
the
replacement
of
those
that
are
governmental
documents,
whether
it's
driver's
license
first
certificates
or
other
types
of
governmental
documents.
If
you,
if
you
didn't
participate
when
we
had
the
local
assistance
center,
that
is
still
available
to
you.
So
if
you
haven't
replaced
those
documents,
please
get
with
me
and
I'll
direct
you
to
one
of
my
staff
members
so
that
you
can
get
those
those
important
documents.
B
C
D
My
name
is
Bryan
Perkins
I
work
for
congresswoman
Speier,
and
you
can
call
our
office
and
get
your
federal
government
documents
replaced
and
we
have
a
couple
of
people
that
are
dedicated
to
doing
that,
both
for
yourself
and
also
for
the
people
that
will
watch
this
on
tape.
Let
me
give
you
our
phone
number:
it's
3,
4,
20,
303,
420
300.
We
deal
with
the
naturalization
papers,
the
passports
and
any
other
papers,
the
green
cards
and
the
rest
of
it.
C
C
B
D
D
D
You
tomorrow
night
there's
going
to
be
a
town
hall
co-hosted
by
city
of
san
bruno
and
congresswoman
Speier,
and
we're
going
to
be
giving
an
update
from
the
National
Transportation,
Safety
Board
and
also
from
enough
a
number
of
other
governmental
agencies
and
will
be
responding
to
a
lot
of
these
questions
as
well,
probably
for
somewhat
larger
audience
and
we'll
also
be
talking
about
moving
in
the
pipe
and
it
is
going
to
get
moved
as
I
think
you
know.
So.
The.
D
J
B
E
I
I
Well,
I
would
say
you
know,
the
best
bet
is
to
get
everybody
involved
and
whether
that's,
whether
that
would
come
under
your
personal
property
for
one
or
the
others.
Homeowners
coverage,
whether
there's
some
small
coverage
in
there
on
an
auto
policy
for
personal
property
that
might
have
been
you
know
in
a
vehicle,
but
certainly
pursue
ticketmaster
and
any
other
sources
you
have.
But
it's
definitely
worth
looking
at
Amy.
B
H
H
H
Actually,
this
relates
to
your
request
that
people
sign
the
consent
form
for
pge
to
talk
to
their
insurance,
company
and
I.
Think
a
lot
of
people
have
a
concern
about
the
a
bra
that
is
and
why
you
need
that.
So
I
would
love
to
know
why
you
can't
just
accept.
If
people
give
you
their
policy
or
their
deck
page,
then
you
can
see
what
their
limits
are.
You
can
see
what
their
deductible
is
and
then
you
can
ask
them
to
to
tell
you
how
much
they've
gotten
from
their
insurance
company.
E
And
in
the
case
where
the
authorization
really
comes
into
play
is
in
the
event
where
you
have
your
underinsured
and
you
submit
a
claim
to
pge
to
make
up
the
difference
of
what
you're
under
insured
for
and,
like
I,
said,
to
make
the
process
as
seamless
as
possible.
So
we
can
rather
than
sit
back
and
wait
six
to
eight
months
for
the
insurance
company
to
submit
their
subrogation
claim
to
us.
E
We
can
get
out
in
front
of
that
and
say
you
know
if
you
allow
us
to
speak
to
them
now
they
can
provide
us
the
information
about
your
claim
now,
so
we
can
handle
the
claim
in
a
more
timely
manner.
Otherwise
we
really
can't
do
much.
We
have
to
sit
and
wait
for
their
claim
to
come
in
so
that
that's
really
the
need
for
the
authorization.
E
Yeah,
if
they
can
provide
us
with
a
detailed
statement
of
loss
from
their
insurance
company
or
the
settlement
documents
from
their
insurance
company
in
a
Dec
page
that
could
probably
suffice.
We
could
probably
work
with
that,
but
in
the
event
that
that
they
can't
provide
that
it
might
be,
it
might
be
best.
Yeah,
okay,.
H
My
name
is
terry
alberto
lien.
We
lost
our
house
on
concord
way
and
I
was
just
wondering
like
property
tax.
Wise
say
that
we,
when
you
were
saying
that
you're
not
committed
to
build
in
the
same
place
and
you
decide
to
build
somewhere
else.
I
mean
say
that
we
build
on
the
same
place
or
is
their
property
going
to
be
re-assessed
again
and
our
property
tax
is
going
to
go
up
because
all
of
a
sudden,
our
property
is
worth
more
or
if
we
decide
that
we
want
to
buy
a
new
house.
E
D
So,
in
this
case,
I'm
not
actually
going
to
offer
the
answer,
I'm
going
to
offer
the
phone
number,
because
tomorrow
night,
the
assessor's
office
will
also
be
at
this
meeting
and
they
can
answer
questions
like
that.
But
for
those
of
you
that
can't
make
it
tomorrow
night
or
if
you
want
to
just
call
tomorrow
the
phone
number
for
the
assessor,
except
for
the
fact
that
I
need
my
reading.
Glasses
is
650
599,
129,
1650,
599
1291,
and
so
you
just
give
joel
morris
who's
the
man
who's
at
that
phone
number,
Joel
Morris!
D
I
Yeah
now
I'll
just
add
that
you
know
in
past
like
wildfire
events
and
other
disaster
related
events.
There
has
been
situations
where
the
the
homeowner
was
able
to
keep
their
tax
basis
in
the
rebill
home
or
in
some
cases
in
a
replacement
home
I,
don't
know
the
law
enough.
Obviously,
it's
a
question,
as
mr.
Perkins
suggested
that
you
might
want
to
ask
specifically
with
your
case
with
the
Assessor,
but
I
think
there
is
something
in
place
at
the
state
level
or
county
or
local
levels
that
might
help
them
might
provide
some
benefit
there,
I
just.
F
Wanted
to
add
to
Brian's
comments
that,
if
you're
not
able
to
make
it
tomorrow
night,
that
meeting
will
also
be
videotaped
by
several
cable
television
and
will
be
replayed
on
channel
one
at
a
later
time.
Unfortunately,
it
will
not
be
able
to
be
telecast
live
because
we're
holding
a
meeting
at
st.
Roberts
church
if
you
are
not
able
to
view
it
on
channel
one,
and
you
would
like
to
see
the
whole
of
the
meeting
and
you're
not
able
to
be
there.
J
Hi,
my
name
is
Liz
tube
and
I'm.
The
owner
and
I
have
a
house
in
mass
crime,
I'll
Drive
and
I'm,
renting
it
to
a
car
to
attendant
when
the
fire
exposing
happening,
and
then
my
tender
decides
not
to
come
back
and
then
they
went
another
house.
So
right
now
my
house
was
only
three
houses
from
the
last
house
guangzhou
and
the
COS
tree
from
my
house
is
also
10.
So
my
trophies
help
us
some
damage.
J
I
cost
they
found
my
interest
in
mighty
big
temple
more
than
30
years
and
they
said
someone
come
over
to
look
at
my
loaf
and
then
they
said
the
damage
is
about
4,000
or
something
and
one
thousand
dollars
deductible.
They
send
me
a
check
for
3,000
to
repair
the
roof,
so
I
caught
a
PT
and
ye,
and
then
they
send
the
insurance
people
to
come
over
and
then
the
PG&E
concerns.
First
concern
went
up
to
my
roof
and
then
he
said
this
move
has
to
be
replaced.
J
I
Can
we
do
to
help
well
I
mean
it
shouldn't
be
too
late,
I
mean.
Obviously
you
need
to
get
back
with
your
insurance
company.
They
need
to
get
either
back
out
to
inspect
it,
and
you
may
need
to
get
of
your
a
contractor
to
provide
an
estimate
of
what
it
would
cost
to
repair
the
damage
if,
if,
in
fact,
it
needs
to
be
fully
replaced
the
cost
to
fully
replaced
the
roof.
At
that
point,
the
insurance
company
needs
to
consider
that
estimate
and
make
a
decision
on
it
if
they
ultimately
pay
it
great.
I
If
they
ultimately
don't
pay
it,
and
you
know
we
wouldn't
want
to
make
sure
that
they
were
fulfilling
their
obligations.
If
there's
a
difference
there
that
you
think
you
want
to,
you
know
talk
to
p
g
m-e
about
certainly
should
do
that,
but
I
would
say
it's
not
over.
You
know
definitely
get
the
process
going
again
and
get
some
information
and
get
the
insurance
company
back
on
it,
and.
J
The
second
question
is,
since
my
rental
move
out-
and
that
was
the
rent
income
and
I
gave
my
tender.
Some
more
security,
deposit
and
22
pays
off
when
we
pay
from
September
and
I
have
for
that
chat
and
I
have
a
letter
from
Montana
that
they
move
out
and
I've
sent
it
to
stay
from
influence.
Why
not
I'm
losing
the
running
time
and
space
them
bigger?
When
do
I?
Have
a
good
rental
users
and
pace
to
send?
J
I
I
mean
certainly,
let's
get
you
hooked
up
with
state
farm
tonight,
but
if
you
have,
if
you
have
a
landlord's
policy
and
you're
eligible
for
loss
of
rents
coverage,
then
you
should
be
getting
it
and
you
should
be
getting
it
in
a
timely
fashion.
So
obviously,
let's
take
a
look
at
it.
Let's
get
what
state
farm
and
let's
figure
it
out
so.
B
A
A
We
get
the
runaround
constantly.
We
have
to
stay
on
the
phone
and
call
them
they
do
not
call
us
back
unless
we
call
them
we
are.
We
do
have
a
new
adjuster
at
this
time
that
we
are
working
with
with
state
farm,
but
so
hopefully
this
is
going
to
get
resolved
now,
but
wear
it
to
work
almost
two
months
past
the
date
of
the
explosion.
A
A
That's
bad
enough!
They're
trying
to
get
the
insurance
companies
just
to
do
their
due
diligence
and
maybe
even
pge,
but
what
is
their
obligation
on
when
do
they
have
to
start
the
work
and
end.
We
leave
our
house
in
the
morning
and
we
hear
hammering
and
saws
and
people's
rules
are
getting
fixed
and
people's
property
or
being
painted,
but
yet
ours
nothing,
but
we
keep
getting
phone
calls
we
get.
We
have
to
call
them
and
the
story
we
get
is:
oh
we're
going
to
have
to
send
this
person
out
and
we've
had
all
our
inspections.
A
We've
had
home
inspector
structural
engineers
chimney
inspectors,
Ruth
inspectors,
and
just
today
we
had
another
structural
engineer
come
out
from
state
farm.
It
is
tiring.
It
is
it's
a
it's
a
whole
bag
with
mixed
mixed
emotions.
If
it
wasn't
for
city
officials
from
San,
bernal,
Bryan,
Perkins
helping
us,
we
don't
know
where
is
going
to
be
right
now.
So
if
you
can
just
kind
of
give
us
a
deadline
on
when
are
they
supposed
to
at
least
get
the
work
started?
We
can't
get
a
straight
answer.
They
say
it's
their
contractor.
I
I
mean
I
mean
thanks
to
to
mr.
Perkins,
providing
you
know
your
information
to
us.
We
were,
you
know,
certainly
the
last
few
months.
It
appears
as
though
that
you
know
things
weren't
on
track
and
obviously
we
hope
that
they
are
close
to
being
on
track.
Now,
we've
had
several
cut,
you
know,
we've
had
several
conversations
with
a
couple
conversations
with
you
from
someone
from
my
staff
as
well
as
Lyon,
Tiffany,
I.
Think
folks,.
I
That's
why
you
know
you're
the
only
one
that's
come
to
us
and
you
came
to
us
through
the
congresswoman's
office
and
that's
why
I
really
urge
others
that
that
do
have
these
situations
to
not
wait,
because
once
you
have
a
problem,
it's
not
too
late,
but
it
causes
this
additional
time
before
we
could
get
involved
and
perhaps
intercede
and
get
get
the
case
back
on
track
in
terms
of
what
the
time
frame
is.
You
know
the
the
bottom
line
answer
is
that
the
contractor
is
yours.
I
You
know
you're
the
one
that
signs
the
authorization
to
get
the
work
done.
It's
it's
confused
by
the
insurance
process.
The
insurer
has
to
come
and
inspect
it
quantify
the
damages.
In
many
cases,
they'll
make
a
referral
of
a
contractor
to
you,
which
do
you,
then
sign
up
with
and
have
the
work
done
by
them.
A
That's
what
we
want
we
went
with
their
preferred
contractors,
for
the
11
reasoning
is
that
they
take
all
the
responsibilities
of
contracting
every
sub
contr
subcontracting
everything
out
so
I
thought.
That
would
be
less
of
a
headache
too.
You
know
we
don't
need
any
more
headaches
at
this
time,
but
it
did.
It
appears
that
this
time
it
doesn't
seem
to
be
going
that
way.
We
hope
that
is
changing
course
we
hold.
B
I
B
I
B
Are
the
state
farm?
Okay?
Oh,
you
got
a
whole
bunch
of
people
here,
good
I'm,
glad
I'm
glad
you've
got
some
customers
here.
That
needs
your
help.
So
can
you,
in
addition
to
what
you've
already
done
and
talk
to
these
folks
tonight
to
absolutely
and
then
can
you
report
back
to
Tony
and
let
us
know
you're
getting
some
movement
absolutely.
Thank
you
thanks
for
answering
thank
you.
Yeah.
C
I
just
want
to
take
off
of
what
Mike
said
like
I
just
got
a
briefing
from
the
National
Weather
Service
the
other
day,
there's
a
couple
of
things
that
I
would
hope
that
that
you
would
remember-
and
hopefully
the
insurance
folks
will
will
hear
this
out-
we're
starting
to
get
into
the
rain
period
now
and
certainly
last
year
was
a
heavy
rain
time
for
us.
But
it
looks
like
we're
going
to
get
significant
rain.
C
So
with
that
said,
the
Commissioner
has
been
doing
this
for
two
and
a
half
years
and
I've
seen
firsthand
the
fruition
of
these
types
of
meetings
where
folks
get
up
and
speak
and
they
speak
and
other
folks
who
are
listening,
say:
gee
I
have
that
same
problem.
Orgy
I
I
think
I'm
getting
to
that
period
where
it's
gone
from
two
weeks
now
to
four
weeks
to
six
weeks.
C
So
this
is
a
perfect
venue,
even
if
you're
shy
to
get
up
and
speak
so
that
someone
else
might
have
the
same
issue
that
you're
having
that
can
get
resolved
and
keep
the
resolve
tonight
with
the
insurance
companies.
Here,
it's
been
very
fruitful
for
the
two
and
a
half
years,
I've
been
working
with
a
commissioner
and
his
staff.
So
please
voice
some
of
your
issues
and
understand
that
you
know
you
don't
have
somewhere
any
longer.
You've
got
the
weather
coming
about,
and
time
is
of
the
essence.
Yeah
good
points.
D
It
I
can't
just
use
mr.
Zapatas
example
for
a
broader
point.
Roofs
ruse
are
a
particular
problem
in
this
case
and
I.
Don't
know
how
many
more
there
will
be,
but
insurance
companies
typical
obligation
in
a
roofing
situation
is
probably
different
than
the
legal
obligation
of
PG&E
and
what
we
have
in
mr.
Zapatas
case
and
others
is
the
next
instance
of
dueling
experts
and
it's
very
frustrating,
I'm
sure,
there's
other
examples
to
hear
of
dueling
experts
and
he
went
out
and
he
got
a
structural
engineer
and
then
another.
D
You
know,
roofer
comes
by
and
says:
oh
no,
you
can
repair
up
but
of
course,
I
won't
guarantee
it.
If
I
repair
it,
you
know
if
it
leaks,
it
leaks,
that's
hardly
a
roofing
job
and
so
I
guess
what
I
would
suggest
is
the
department
of
insurance
and
PG&E
in
particular,
need
to
work
hand-in-hand
to
figure
out
the
legal
lobby.
You
know
where
the
insurance
companies
obligation
starts
stops.
D
Excuse
me,
where
p
genies
can
pick
up
the
difference
and
how
you
get
it
resolved
quickly,
because
it's
not
that
big,
a
deal
I'm,
not
a
roofer
I,
have
actually
roofed
three
homes.
In
my
life
and
I
can
tell
what
guy
is
going
on
with
mr.
Zapatas
roof
and
I.
Think
personally,
that
mr.
Zapatas
owed
a
new
roof
and
I
think
that,
ultimately,
if
PG&E
were
to
take
a
look
at
that,
they
would
probably
agree
because
the
question
boils
down
to
one
of
G.
What
does
a
roof?
D
Look
like
after
it's
had
a
blast
from
AG
natural
gas
line,
and
the
answer
is
probably
no
one
on
earth
can
say.
They're
for
PG&E
is
probably
going
to
have
a
liability
here
and
they
need
to
step
in
because
the
insurance
company
is
probably
not
going
to
acknowledge
that
very
easily
they're
going
to
see
a
depreciated
roof
they're
going
to
be
seeing
something.
That's
got
some
of
that.
D
So
I
would
appreciate
it
if
the
legal
department
of
the
Department
of
Insurance
would
work
with
the
legal
department
at
PG&E
to
make
these
kinds
of
situations,
particularly
in
cases
of
depreciation
as
seamless
as
possible.
This
didn't
have
to
go
on
as
long
as
it
did.
It's
very
frustrating
when
you
have
dueling
experts.
B
J
My
process
totally,
he
said
that
if
you
make
a
cram
to
your
insurance
company,
leave
my
premium
go
up
next
year
in
the
next
time
and
I
told
her
I
told
him:
it's
not
my
fault.
So
at
my
question.
Yes,
because
I
make
a
claim
to
my
insurance
company.
The
premium
goes
up
in
the
future.
That's
my
question.
Yeah.
I
You
know
in
general
it
should
not
go
up,
especially
in
situations
like
this.
We
would
have
to
look
at
the
specific
company.
The
specific
rate
plan
that
you
that
you're
under
that
would
be
under
now
or
that
or
the
persons
under
and
evaluate
whether
it
would
go
up.
It
would
certainly
go
up
if
you
replaced
and
you
needed
more
coverage,
so
you'd
be
paying
for
more
coverage.
I
If
you
have
a
total
loss
and
you
had
a
$300,000
home
and
you've
built
a
four
hundred
thousand
dollar
home
and
I
need
to
four
hundred
thousand
dollars
worth
the
coverage
your
premium
would
go
up,
but
that
we,
because
you
have
bigger
house
or
more
expensive
house
now
in
terms
of
just
merely
your
because
you
had
a
claim
your
premium
going
up.
It
would
really
be
in
a
company
by
company
basis.
We
have
to
look
at
it.
I
The
only
way
I
really
see
that
happening
is
if
let's
say
you
had
a
claims
free
discount
and
and
then
you
filed
a
claim,
then
that
discount
might
may
be
removed.
But
all
of
us
has
to
be
on
record
with
the
Department
of
Insurance.
You
know
approved
by
by
the
Commissioner's
Office
as
a
rate
filing,
and
so
you
know
we
could
take
a
look
at
any
particular
case,
any
particular
company
and
provide
a
more
specific
idea
to
you
or
anyone
else.
Insurance.
B
Policies
already
include
the
likelihood
there
may
be
some
disasters
and
wildfires
and
so
that
the
price
you
already
pay
includes
the
possibility
for
this,
and
so
the
insurance
companies,
you
know,
aren't
going
to
receive
commission
to
raise
prices
just
because
there's
a
you
know
of
some.
Some
claims
that's
already
built
into
the
pricing
structure
that
we
oversee,
but
how
about
the
ivory?
And
thank
you
very
much.
Is
there
any
questions?
We've
gotten
in
writing
that
or
haven't
been
covered
yet
by
my
speakers
and
then
we'll
wrap
up
here
in
a
second
and
adjourn
formally.
I
I
You
know,
and
let
me
just
so
let
me
go
through
a
kind
of
the
scenario
here
again.
You
need
to
be
clear
that
the
contractor
that
comes
into
your
home
is
your
contractor,
whether
the
insurance
company
referred
that
contractor
to
you
or
whether
you
hired
your
own
contractor,
and
so
you
need
to
be
clear
with
that.
There
may
be,
it
may
create
obligations
on
the
insurance
company
if
they
referred
the
contract
to
you.
I
In
other
words,
if
they
referred
the
contractor
to
you
and
you
use
that
contractor,
you
know
the
insurance
company
then
has
to
warrant
the
work.
That's
you
know
warranted
the
works
done
in
a
workmanlike
manner,
etc.
So
they're
very
there's
that
additional
protection
there,
but
you're
not
obligated.
You
know
first
off
you're
not
obligated
to
use
the
insurance
company
recommended
contractor.
I
If
you
want
to
get
an
estimate
just
to
feel
comfortable
in
terms
of
what
the
price
is
and
then
still
go
with
the
insurance
company
contractor,
once
you
come
to
an
agreement
with
the
insurance
company
on
that
price,
go
ahead
and
do
that,
but
so
in
the
in
so
in
other
words,
the
answer
to
the
question
of
timing
is
really
it's
your
contractor
and
therefore
your
contractor
should
be
doing
it
as
quickly
as
possible
again
with
the
insurance
company
inserted
into
this
process
a
little
bit.
The
issue
is
not
so
much.
I
I
I'll
bring
up.
One
last
point
in
terms
of
contractors
and
repair
estimates
you
need
to.
The
price
is
going
to
be
key,
whether
you
use
what
your
contractor
or
the
other
contractor.
If
the
insurance
company
comes
up
with
a
price
to
repair
your
home
and
you're
comfortable
with
it,
fine
go
with
it
if
you're
not
comfortable
with
it,
and
you
get
a
contractor
estimate.
The
insurance
company
is
obligated
to
consider
that
estimate.
Once
you've
turned
that
estimate
over
to
the
insurance
company,
it
triggers
three
options.
I
They
either
have
to
pay
the
higher
estimate
they
either
have
to
refer
you
to
a
contractor,
will
do
it
for
their
low
arrest
in,
but
only
if
you
request
the
name
of
another
contractor
or
they
have
to
reasonably
adjust
your
estimate.
You
know
it.
The
key
is
what
is
reasonably
adjust
me.
That's
something
we
could
assist
with
in
terms
of
whether
the
insurance
company
is
probably
evaluating
any
reductions
that
it
does
place
on
your
contractor's
estimate,
but
until
you've,
provided
that
alternate
estimate
that
higher
estimate
it
will
delay
ultimately
number
one
year.
I
And
the
other
one
we
somewhat
touched
on,
but
it
involves
the
issue
of
the
owner
of
the
property
versus
a
rental
property
and
the
owner.
In
this
case,
the
owner
was
feeling
that
they
weren't
inserted
into
the
process
or
weren't
provided
the
information
that
the
renter
was
being
provided
without
more
specifics.
It's
really
it's
hard
to
answer
that
question,
but
the
owner
of
the
property
should
certainly
be
involved
with
their
insurance
company.
I
You
know
in
certain
situations
if
that
gets
put
into
place
for
their
own
financial
loss
that
they
suffered,
and
so
there
should
be
there
shouldn't
be
a
situation
where
either
of
PG&E
or
an
insurance
company
is
not
talking
to
the
owner
of
the
property,
especially
if
it's
the
owners,
insurance
company.
So
without
more
steps.
I
can't
really
answer
that
question,
but
we
would
have
to
go
look
into
it
if
someone
to
provide
information-
and
the
other
question
was
personal
contents
list-
is
there
a
time
limit
by
when
you
need
to
get
started
and
it's
completed?
I
I
know
it's
there's
no
real
answer
of
that.
The
answer
is
we
certainly
understand
at
the
beginning
of
this.
You
know
no
one's
at
the
right
line
set
to
enter
into
this
process,
but
get
started
as
quickly
as
you
can
save.
Your
receipts
use
your
insurance
company
to
assist
you
to
as
much
as
you're
comfortable
with
that
use
the
consumer
groups
that
have
the
ability
to
assist
with
you
know
they
have
computer
programs
and
inventories
that
could
assist
you
and
kind
of
giving
you
an
idea
of
what
you
might
have
had
in
your
home.
I
You
know,
group
lists
of
various
items
that
are
in
the
general
home
that
you
can
check
and
kind
of
you
know
refresh
your
memory
and
that
sort
of
thing
in
terms
of
the
ultimate
time
period.
You
know
your
policy
will
dictate
that,
but
you
know
you're
generally
going
to
have
about
a
year
if
you're
rebuilding
completely
you're
going
to
have
longer
than
that,
and
if
there's
an
issue
with
the
insurance
company,
as
you
approach
that
time
period
of
time,
then
you
know
let
us
know,
and
we
can
work
with
the
insurance
company
on
that.
F
B
I
G
I'm
somewhat
familiar
with
the
process,
we've
dealt
with
it
somewhat
and
I
would
recommend
anybody
just
to
get
outside
the
preferred
service
preferred
list
for
the
insurance
companies
for
the
contractors.
I'd
recommend
anybody
to
get
an
actual
bid
from
multiple
contractors
outside
of
that
specifically
because
they
use
humans
about
the
Xactimate,
not
the
exact
mates,
not
accurate.
It
is
an
estimated
program,
but
sometimes
it
is
a
little
unrealistic
on
certain
things.
G
I
have
seen
the
numbers
that,
if
it's
spit
out
of
the
system
and
it
you
know
it
is
black
and
white
numbers,
but
you
look
at
some
of
the
hours
for
certain
things,
and
you
know
it
is
unfortunate
what
happened,
but
don't
let
people
who
your
house
back
together,
you
know
just
make
sure
it's
done
right.
So
good.