Live updates: Brush fire burns in Pacific Palisades as Santa Ana winds blast Southern California - Live video at link

I believe the way insurance works in California is that you get a choice to rebuild or take a lump sum payout. But the payout doesn’t cover replacement cost, only the dwelling coverage (which does not include the value of the land). A lot of people will probably choose this option and buy homes elsewhere.
That's just how insurance works. If you have a "rebuild rider" you're better off rebuilding, even if it takes ten+ years (and it will sometimes)

Even with that rider, the insurance company will offer you a lump-sum (as it gets rid of you as a liability on the books) and that sum can be negotiated, and you probably should.

Since you have to live somewhere whilst it is being rebuilt, you might as well take the money and run, selling the land.

Interesting to note, that this means whomever buys it from you will pay updated Prop 13 taxes, so CA may actually financially benefit in the long run.
 
We're not all West Coast Elite stereotypes. An awful lot of us are folks whose families have lived here for generations and love the rugged beauty and yeah, even the people. I dunno. I'm proud of our response, and am off to find some different way I can help.
You’re folks, huh? How folksy. Try not to fuck the disaster dogs, we know how Californians are
please I'm begging you all don't start this up again we finally got some informative pages without the slapfights shitting it up
 
Biden is trying to cover for the Los Angeles Mayor by claiming that the reservoirs supplying the hydrants had their power shut off so they couldn't be refilled.

The power shut off was due to winds and transmission line and has been a thing for a few years yet it didn't strike the minds of such planners to have generators at pump stations?
 
Fire got big. Sorry to those kiwis affected, hope you and your families and pets are okay.

Want to add that I saw a few suggested videos of crying celebrities who filmed their reaction to their homes burning down. Is it just me who found it quite distasteful? I’m pretty sure their insurance is good, and they have the means to rebuild. Filming yourself crying? Way to milk the situation.
 
That's just how insurance works. If you have a "rebuild rider" you're better off rebuilding, even if it takes ten+ years (and it will sometimes)

Even with that rider, the insurance company will offer you a lump-sum (as it gets rid of you as a liability on the books) and that sum can be negotiated, and you probably should.

Since you have to live somewhere whilst it is being rebuilt, you might as well take the money and run, selling the land.

Interesting to note, that this means whomever buys it from you will pay updated Prop 13 taxes, so CA may actually financially benefit in the long run.
They people in the Palisades will get nearly all their money back. Too much political power in that area for the insurance company to play games.

Just get ready for sky high premiums.
 
Fire got big. Sorry to those kiwis affected, hope you and your families and pets are okay.

Want to add that I saw a few suggested videos of crying celebrities who filmed their reaction to their homes burning down. Is it just me who found it quite distasteful? I’m pretty sure their insurance is good, and they have the means to rebuild. Filming yourself crying? Way to milk the situation.
I feel like most of them do feel genuine emotion but their brains are so malformed from the thrill of being the center of attention and being famous that they NEED to immediately bring as much attention as possible to themselves.
 
Biden Surges Aid to California to Address ‘Catastrophic’ Fires
Bloomberg (archive.ph)
By Josh Wingrove
2025-01-09 22:07:01GMT

Biden says federal funding to cover 100% of costs for 180 days
President Joe Biden said he was increasing federal assistance to California as the state deals with raging wildfires that have ravaged communities and that he had urged Governor Gavin Newsom to spare no expense in combating the deadly flames.

“The devastation out there is catastrophic,” Biden said Thursday as he and Vice President Kamala Harris received a briefing from administration officials on the fires in the Los Angeles area and sought to assure residents of the response to a disaster that has challenged their administration in its final days.

The president said he had increased the federal funding to cover 100% of costs for 180 days and that he was surging all possible US government resources to help the region, including 400 additional federal firefighters and over 30 firefighting helicopters and planes. The Department of Defense has also authorized 500 wildfire ground clearing personnel, he added.

Biden also thanked Canada, saying the allied nation had secured additional firefighters and fire-fighting equipment.

The blazes have killed at least five people and put almost 180,000 under evacuation orders as the Los Angeles region grapples with its worst natural disaster in decades. Over 29,000 acres have been charred and the two biggest fires are uncontrolled.

Strong hurricane-like winds in recent days have fanned the flames, decimating neighborhoods in Pasadena and coastal Pacific Palisades. The wildfires are poised to become among the most costly in US history, with insurers potentially incurring losses of over $20 billion, according to analysts at JPMorgan Chase & Co. The blazes are likely to cause between $52 billion to $57 billion in damages and economic loss, according to a preliminary estimate by AccuWeather Inc.

“We’re going to keep at it. We’re sticking with this,” Biden said, even as he acknowledged the following days would be critical.

“We expect there may be a temporary break in the winds, but in some areas, the winds are likely to continue well in the next week, and so we’re going to continue to spend everything, literally every resource we can find that’s appropriate to help the governor and the first responders.”

Harris, who was born in the state and has a home in Brentwood — a west Los Angeles enclave — with her husband, Second Gentleman Doug Emhoff, called the situation in southern California “apocalyptic.”

The vice president highlighted the uncertainty facing first responders as they deal with the weather conditions.

“We are literally waiting to see which way the wind blows,” Harris said.

The president was in Los Angeles earlier this week to mark the declaration of two new national monuments and attend the birth of his great grandchild but was forced to cancel an event focused on the monuments because of the weather conditions. He also scrapped plans he had to leave Thursday for Rome and Vatican City, on what was his last planned trip abroad as president, to focus on directing the federal response.

On Wednesday, Biden visited a fire station in Santa Monica, California, alongside Newsom.

President-elect Donald Trump, who is awaiting his inauguration on Jan. 20, has criticized both Newsom and Biden for the disaster, seizing on issues firefighters have faced with water pressure as they battle the large Palisades fire.

“Now the ultimate price is being paid,” Trump wrote, calling the fires a “true disaster.”
 
I’m pretty sure their insurance is good, and they have the means to rebuild. Filming yourself crying? Way to milk the situation.
I thought several homeowners were DROPPED from their insurance before the fire. Assuming the number is bigger than projected, a reckoning may soon happen again.
 
Californians should never, ever be allowed to live this down. Ukraine feels so sorry for your worthless asses they's sending back your broke-down firetrucks.
Check the date on the image.

edit: If an image, especially one without a link, makes you feel a strong emotion (especially one you agree with), always check to see if it's actually real.
 
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I thought several homeowners were DROPPED from their insurance before the fire. Assuming the number is bigger than projected, a reckoning may soon happen again.
I'm always wary of things I see online, especially Twitter, but yesterday I remember seeing a graphic about the number of dropped policies per all the different towns; and Palisades had over 1,000. If it's true, well, guess we'll see what happens.
 

"50 fire starts have been ended"
"three current fires"
"water shortage?... Utilities turned off electricity so lines wouldn't fall and start fires"
"sending all possible resources... 400 firefighers... 30 helicopters and planes... 8 C130s"
"500 wildfire ground clearing members"
"Canada"
"winds are likely to continue until next week"
"FEMA has been working with the state"
loses thought while talking about firefighters are heros
"God made man then he made a few firefighters, to run into the flames"
"you fire away"



"this is an urgent matter"
"what we have seen is apocalyptic"
"extremely dynamic, very much in play, and to some degree unpredictable, because we are literally waiting to see which way the wind... blows"
"[firefighters] working 12 hour even longer shifts"
"this will have an impact for months and years to come"
"many insurance companies have canceled insurance for a lot of the families who have been effected"
"Many of the families will not have the resources"
Kamala explains what a firefighter is

"no, turn it back to me [Biden]"
"the a look, I've talked to a lot of [politicians in the region]"
"chief why don't you fire away"
 
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