Interesting Insurance Article Concerning HiFi.

To the Op, I am sorry for your loss. If you’re alive and toxin free that in itself is a blessing. I have family in Paradise , Ca and watched them suffer with minimal help. When the fire burned Paradise all the PVC melted and polluted the water supply. They received minimal government help as they are not a high profile well to do location. My family member contracted to have his land cleared and promptly filed his new construction plans. He bought a large 5th wheel trailer and put it on his property. He secured a large generator and a water filtration system and started the rebuild process. From the time of the fire to move in was almost 3 years. His homeowners insurance refused to pay for his driveway as the fire ruins concrete. He paid out of pocket to get the land cleared and $125k out of pocket for his concrete. Almost two years after move in he received a notice from his insurance company that he was to be cancelled if he didn’t replace his fence with one that’s fireproof. The people in  Southern California are “ City People “ that have an expectation the the California government is going to fix everything and that insurance will make them whole. It’s not going to happen. I also have friends and family that lost  homes in the Creek Fire, some rebuilt others sold out and left. The only way you stand a chance on a claim is to have documentation and an appropriate Rider. State Fram didn’t become the largest by paying claims. My cousin in Paradise did all his own footwork including authoring and filing his own suit against PG&E. When the fire hit they barely got out alive and they both suffer PTSD from the trauma. My sons close friend lives in So Cal and the family suffered in the Eaton Fire. They literally made 1 house payment. Theirs is one of two houses on the entire block that didn’t burn. All the exterior aluminum is melted and the walls are scorched. The house is SO TOXIC it’s not inhabitable and they have young children. AGIAN I feel your pain and I pray your health is good and that you can recover. Maybe you could do an Audiophile Go Fund Me. BTW my cousin is a hard core fly fisherman, and he was at a trade show and the rep for SAGE found out. They sold him 3 complete rods and reels at production cost and comped him a bunch of miscellaneous gear. So don’t be afraid to humbly ask your favorite manufacturer. Love and Respect, Mike B , Clovis, Ca.