posted on October 27, 2003 09:03:41 PM new
The Insurance Companies ARE NOT,,,,,, your GOOD NEIGHBOR......Others will jump in and tell it like it is from past experiences. The BEST of The BEST for you all. Our thoughts and prayers are with you ALL. Much Good information WILL arise from this post. God Bless you all for going through what you have endured. Horrible!
posted on October 27, 2003 09:53:39 PM new
In the event of a pending claim on building insurance.
It may be to your detriment if information is offered to, or discovered by insurer, to show that a building was in some way inadequately maintained.
As I understand it, it is common for domestic building policies to limit or deny claims in the case of a building, which is deemed to be or to have been inadequately maintained at the time of the loss.
Cases have also been won against insurers even when the premium had not been paid.
Eg. Where people, have had an arrangement to acquire insurance but the premium had not been yet paid. Ie. It’s in the post as arranged; or where you have a history of paying your premium late and the insurer has backdated the policy period from the time of payment to the time of previous policy lapse.
Misrepresentations made by staff, agents, or servants of insurers, which you accepted in good faith and were of the essence in determining the suitability of the cover provided, can make the insurer liable; although it may be difficult to demonstrate, and that may be in spite of any claims on a policy document disclaiming liability for misrepresentations made by staff etc.
…………………………………………………………..
In the interest of protecting my A$$ets
I hereby, forthwith, disclaim any accuracy in the content of the statements I have made above.
For reliable representation, consult a solicitor.
Whenever we have fires here, and we have our share, I often hear that the most prized possession (after their very lives) that people think to save from their home in the last moments as fire approaches, is the family photo album.
People that haven’t, often deeply lament this as their greatest regret.
I agree 100% "The Insurance Companies ARE NOT,,,,,, your GOOD NEIGHBOR"
They are after all only a 'legal entity' and not a 'human/humane' entity.
I hope that I have been of some help,
And (to use an Australianism) good luck to all 'True Blue' American 'Battlers'.
(ie. Genuine, Patriot & Hard Working Strugglers)
[ edited by austbounty on Oct 27, 2003 09:56 PM ]
posted on October 28, 2003 08:47:26 AM new
Helen - that was one of the lucky streets that had surviving houses. Scripps Ranch alone lost 300 homes. the full area oveerhead shots are just mindboggling - block after block of nothing.... Fro the lack of smoke I'm assuming that picture was taken last night or this morning. A lot of the smoke has cleared out overnight - I actually woke up this morning to light coming in the windows that was not orange.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
That photo is amazing. The grass is even still green.
I wish the best for everyone there. I just couldn't imagine the horror of all of this. Our biggest worry here in northeast Ohio are occasional tornado warnings and blizzards. They seem so mild compared the the fires in California.
Cheryl He has his own throne (Revelation 13:2) and his own worshipers (Revelation 13:4).
The news isn't reporting much about the fire....They are too busy trying to spread Bush's lies and propaganda about how positive the war is now that attacks and killings are increasing.
posted on October 28, 2003 02:33:10 PM new
kd. "Speaking of insurance, all of these homes will be covered, won't they? (If insured.)"
Sure they'll be coved if insured.
Just like all the stuff we post that sells through ebay.
Have you read the insurance most sellers offer.
"+ Insurance"
covering what?
Excluding what?
Limited to what?
Not withstanding What?
Non-Disclosure?
'Reasonable This' & 'Reasonable That'.
Insurance policies are often not writen in proper English.
Some are known to contain several paragraph or even several page long sentences, without a full stop.
‘Let the buyer beware’ because the buyer is certainly not ‘aware’.
A gaggle of Judges often can’t agree on what a policy means.
Some policies are limited; if for example your house is in a river flood plain even if the last flood occurred in that area 120years ago.
Who knows; I wouldn’t be surprised if some insurance is limited if the house is built primarily of wood when in a high fire risk zone.
These companies have been creaming it for years, and after 9/11 even my premiums shot up, many are still paying 50% more, and then some. And not just for buildings but for all types of insurance.
posted on October 28, 2003 06:01:56 PM newThe news isn't reporting much about the fire....They are too busy trying to spread Bush's lies and propaganda about how positive the war is now that attacks and killings are increasing.
Thas is not true Helen, thats all I've been seeing in the news all day!
posted on October 28, 2003 06:15:58 PM new
Unbelievable pictures, Near. I hope your friend's neighbourhood escapes the fire. I just keep thinking about how helpless I would feel, taking that picture outside my front door.
posted on October 28, 2003 11:10:35 PM new
I am indescribably lucky enough to say that I live downtown and away from the fires. We are smoke filled and covered with ash here near the water but not seeing the fires. I spent part of the day with friends that have been evacuated. Another friend was able to return to her home yesterday and one of my clients left me a message that she is leaving town for a couple days as her area was hard hit and she just needs to regroup and get away before she goes back to find out if her home survived. I'm feeling very helpless, and although illogical, somewhat guilty these past couple days.
The most heartbreaking part has been watching some of the effects tonight, basically an entire town burned and as I am typing they are reporting that eforts to keep the flames from entering another of the mountain communities are failing as well. As effected as I have been by watching footage of some of the homeowners it's the firefighters reaction that has really touched me tonight. The frustration in their voices a they talk about unsuccessful fights then head off for the the next one is really just indescribable. The San Diego firefighters have been on this since Sunday with little to no breaks and the guys coming in from other areas have been doing this for nearly a week in different areas of the state. I am just left in awe of their dedication and determination.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
posted on October 28, 2003 11:23:47 PM new
BTW- the posters ion the link that Bear posted are complete uninformed idiots. Fires caused by lack of logging? I guess I was unaware of lowland suburban logging efforts......... The matter of fact statements by completely clueless, insensitive, heartless and aparently brainless twits is just boggling... I had to close the page, my head was about to explode.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
posted on October 29, 2003 12:57:49 AM new
fenix03 “posters ion the link that Bear posted are complete uninformed idiots. Fires caused by lack of logging? “
I couldn’t find the posts you mentioned; So I’ll just guess judging by your question.
Some times old men even like bear could be right. . oops correct. (No Compliment intended)
Controlled ‘back burning’ of large areas is used as a fire fighting method or as a precautionary measure in Australia, I would have thought in US too.
When the advancing fire gets to the pre-burnt area, there is no fuel left for it to advance, and it just burns out where it is.
Australian Aborigines have been lighting fires for tens of millennia, it promotes new lush growth which can be more easily exploited and another advantage, although perhaps not intentional (I don’t know), it also prevented future massive fires fuelled by big old gum trees trees.
An area with larger older trees will give off & maintain more heat in a fire.
Firebreaks are also widely used, ie; removing large paths of forest so animals can escape and it also retards the advancing of fires.
Although this is a good method for escape, I don’t think it’s as good a weapon for fighting fires as backburning, these are only wide paths which cinders can fly over.
I’m sure your Gov’ is well aware of these techniques, but (out on a limb here) perhaps your general public is not as aware as in Australia.
Because our country is very dry and our gum trees provide great fuel, we have been trained to be very fire conscious. With many fire restrictions, ie. No open fires or types of barbeques on National park lands.
Signs all over country roads leading out of major cities warning of high penalties for throwing cigarette butts out of windows. And colour coded signs which local fire services move arrow points on to indicate the level of fire risks in certain seasons or periods or days.
Perhaps you guys are just as aware, but I am surprised to see that fenix doesn’t believe that reducing trees can’t prevent fires.
In spite of these laws and safeguards we still get idiots, usually young males, intentionally lighting fires.
Strange image of "The Scripps Ranch section of San Diego" which Helen posted.
Houses Burnt, But not the Trees???
Obvoiusly not Australian Gum Trees
This shows [url]http://sres.anu.edu.au/associated/fire/IUFRO/CONFLAG/ASHWED83/Otways.mov[/img] the spread of our worst fire in recent history on what we here now know as ASH WEDNESDAY 16th February 1983.
It shows wind changes and a back burning area.
Seventy-five people lost their lives (47 in Victoria, 28 in South Australia), and nearly 2,500 houses were destroyed (2080 in Victoria, 380 in South Australia).
[url=http://www.adelaide.edu.au/pr/media/releases/2003/ashwed.html] Lessons learned from Ash Wednesday
[/url] Professor Sandy McFarlane, now Head of the University_s Department of Psychiatry at the Queen Elizabeth Hospital
"Disasters remind us that healthy societies are built upon people who act collectively, rather than in self-interest. Volunteer organisations such as the CFS epitomise this spirit," he says. (CFS=country fire service)
OHH_Poor Insurance Company
Re: Canbera Fires in 2003.
No mention of low road accident claims that year because of highly dry road conditions that year.
posted on October 29, 2003 06:10:51 AM new
I just heard, twelve that the winds would be blowing toward Julian today. What a disaster!
There is some discussion that firemen
are discussing building materials...
cedar shake roofs in particular, that
spread fire more easily that other
materials. The weird photo that I posted
above from the NYT was the topic.
Two thousand homes destroyed and more threatened today!
posted on October 29, 2003 07:20:08 AM new
Aust - the reason I found the the logging statements so ridiculous is that the fires are really just now entering forested areas. The majority of area burned in the beginning were lowland brush, Nothing even close to being loggable. Even Rancho Cucamunga up in LA is a predominantly residential area. There simply is nothing to log there so for people to say that anti logging sentiment resulting in these fires really have no clue what they are talking about.
As for controlled burns - they happen here all the time. We have them at the beginning of every season but unless you adopt a scorched earth policy there is no way to eliminiate all threat. The thing you have to understand about San Diego County is that we get rain for only about two months a year (January & Feb) and our average rainfall is under a foot. By the time October rolls around, everything is very dry. Add to that that the fact that the forest areas in Southern Califnoria suffered from a pine beetle infestation this year leaving millions of dead trees in the hills and this has been a recipe for disaster. These fires got out of control not so much because of things that wer not done but because with seven different fires burning at once, the manpower is not available to be able to devote to them. When the San Diego fires broke out, many of our firefighters were up north in the LA area along with all of our water dumping aircraft and because of procedure, we could not get them back.
Twelve - the town I was talking about last night where the fight was beginning to be lost was Julian. I have not heard yet how it has faired.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
posted on October 29, 2003 07:28:04 AM new
Fenix is right. The thing is, every single time there is a big fire, you can count on the environmentalists (pronounced as if it's a curse word) to be blamed for it by the right-wing commentators. Regardless that most of these big fires in California are brush fires, the fact that some people fight against strip logging is blamed as the cause... Censorship, like charity, should begin at home; but unlike charity, it should end there --Clare Booth Luce
posted on October 29, 2003 08:46:53 AM new
twelvepole - I know how you feel. As I watched Arrowhead go up in flames last night, I was sadden. Our family spent many, many years enjoying the beauty of that area both during the summer and winter seasons.
------------------
Reported on NewsMax and WND -
Dems Pressured to Stop Abetting Fires Reply to: [email protected] (NewsMax.com)
Oct. 29, 2003
News Alerts and Special Offers from NewsMax.com
Breaking News from NewsMax.com
Dems Pressured to Stop Abetting Fires
You know that environment-destroying "environmentalists" have gone too far with their deadly anti-human extremism when Sen. Dianne Feinstein is on President Bush's side.
Feinstein, D-Calif., urged the Senate last night to pass Bush's Healthy Forests Restoration Act.
Democrats, pandering for donations from "Club Sierra" and other wealthy groups of self-styled enviros who are so fanatically anti-logging they'd rather endanger entire forests and those who live nearby, have obstructed the measure.
"With the drought, the devastation caused by the bark beetle and the dangerous buildup of dry tinder and undergrowth, I feared that California could face a devastating season of wildfires. Sadly, that seems to be happening now," she said.
posted on October 29, 2003 09:09:13 AM new
Helen - shake singles have been illegal for installation in Californias for a while now but there are home that grandfathered in. Every year homeowners with shake roofs are urged to replace them but someeither choose not to or are not able to afford the replacement and their homes go up. There have been a few cases where less that reputable contractors put the new fire retardent materials over the old roof rather than removing it. Those tend to spell complete disaster since when the shake material catches a spark or an ember, the roof will burn down into the house while the new fireproof material acts a a shield against any firefighting efforts and insultating the flames.
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
[ edited by fenix03 on Oct 29, 2003 11:06 AM ]
Fenix explained it and bunnicula hit the nail on the head when she said,
"The thing is, every single time there is a big fire, you can count on the environmentalists (pronounced as if it's a curse word) to be blamed for it by the right-wing commentators"
And along comes lindak to blame the environmentalists and the Democrats.
posted on October 29, 2003 11:18:12 AM newLindak
It is a very uninformed low blow to use this disaster too take a shot at the Liberals. I have friends in Julian, Arrowhead, Claremont, and San Diego and some of them may lose their homes.
By the way the clear cutting that the idiots want to do is what CAUSES the thick second growth forests that burn so fast and most of these fires started as brush and scrub fires. Please try to be at least a little more informed and try have at least a tiny bit of heart.
[ edited by miscreant on Oct 29, 2003 11:19 AM ]
posted on October 29, 2003 11:22:45 AM new12
Very nice little town. It has a very special meaning for me and Milady.
[ edited by miscreant on Oct 29, 2003 11:23 AM ]
