1 00:00:25,120 --> 00:00:30,320 Speaker 1: And Hi, how are you welcome to the Big Podcast. Yes, 2 00:00:31,000 --> 00:00:35,439 it is Thursday, the twenty seventh day of November, Year 3 00:00:35,520 --> 00:00:38,920 of our Ward, twenty twenty five. It is Thanksgiving Day. 4 00:00:39,840 --> 00:00:43,479 Thank you for stopping by. We are going to are 5 00:00:43,679 --> 00:00:45,799 we are going to scoot today. So we're going to 6 00:00:45,880 --> 00:00:49,960 do a best of This goes back to January eighth 7 00:00:50,039 --> 00:00:53,320 of this year, talking about a show where we talked 8 00:00:53,320 --> 00:00:55,840 about the fires in Los Angeles they had happened just 9 00:00:55,920 --> 00:01:00,039 two days before and the reaction and some of the 10 00:01:00,079 --> 00:01:03,840 ideas and tips and things like that about natural disasters. 11 00:01:04,239 --> 00:01:13,040 It starts with a breaking news Jimmy Carter had recently 12 00:01:13,079 --> 00:01:16,200 passed away. His body was laying in state in the 13 00:01:16,319 --> 00:01:20,319 US Capital, and somebody showed up at the Capital security 14 00:01:20,359 --> 00:01:24,599 gates with a bag full of knives and machetes, and 15 00:01:24,680 --> 00:01:28,680 so that started off the program. But basically it's about 16 00:01:29,599 --> 00:01:32,599 the LA fires and some of the tips that people 17 00:01:32,599 --> 00:01:35,480 that have lived through natural disasters have for all of us. 18 00:01:35,480 --> 00:01:39,480 So again, thank you for coming by. Happy Thanksgiving to you. 19 00:01:40,159 --> 00:01:43,439 Let's go back to January eighth, and so they got 20 00:01:43,480 --> 00:01:45,239 a lot of people there and they're in line and 21 00:01:45,280 --> 00:01:47,519 they're doing all this stuff. They're going to do and 22 00:01:47,560 --> 00:01:54,159 a man carrying a machete and several knives. He had 23 00:01:54,200 --> 00:01:56,719 a bag he carried through the security checkpoint at the 24 00:01:56,760 --> 00:02:01,000 Capital Visitors Center before you get into the Parol building itself, 25 00:02:01,040 --> 00:02:03,439 and inside the bag were three knives and a machete, 26 00:02:05,000 --> 00:02:09,199 and uh he was. He was charged with several counts 27 00:02:09,199 --> 00:02:11,960 of carrying a dangerous weapon and taking into custody. So 28 00:02:12,039 --> 00:02:15,360 I don't know what he was going to do. But 29 00:02:18,159 --> 00:02:21,479 there's a there's a nut burder on every other corner 30 00:02:21,520 --> 00:02:22,280 out there, folks. 31 00:02:22,919 --> 00:02:23,599 Speaker 2: There just is. 32 00:02:24,879 --> 00:02:28,159 Speaker 1: We were talking to Laurie talking about the fact that 33 00:02:29,479 --> 00:02:34,360 she was involved in the the the inspection was it 34 00:02:34,479 --> 00:02:38,080 of the rebuild in Santa Rosa, California, which was a 35 00:02:38,120 --> 00:02:41,759 similar fire. It was in the actual urban part of 36 00:02:41,800 --> 00:02:45,879 the city, which I was. I was mystified at the time. 37 00:02:46,560 --> 00:02:49,360 So what so as has it been rebuilt and if so, 38 00:02:49,479 --> 00:02:51,199 what did the people have to go through? 39 00:02:53,199 --> 00:02:55,319 Speaker 3: Parts of it have been rebuilt. There are still a 40 00:02:55,360 --> 00:02:59,400 few vacant flauts in in the more suburban area, I 41 00:02:59,400 --> 00:03:02,879 mean the more middle class area, the upper class area, 42 00:03:03,759 --> 00:03:10,240 very wealthy expensive homes is maybe forty has been rebuilt, 43 00:03:10,319 --> 00:03:11,960 maybe how long? 44 00:03:12,240 --> 00:03:16,639 Speaker 1: That was two thousand and seventeen, so there's seven seven 45 00:03:16,960 --> 00:03:18,520 seven seven eight years ago. 46 00:03:20,400 --> 00:03:22,719 Speaker 4: I uh won't be either. 47 00:03:23,319 --> 00:03:24,159 Speaker 2: Well, that's the thing. 48 00:03:24,199 --> 00:03:29,319 Speaker 1: And I look at the scars of natural disasters. I've 49 00:03:29,400 --> 00:03:31,919 always had a theory that it takes about five years 50 00:03:31,960 --> 00:03:34,639 before everything's back to normal. 51 00:03:34,719 --> 00:03:38,039 Speaker 2: You're telling me, though, it's not. People haven't rebuilt. 52 00:03:38,080 --> 00:03:41,000 Speaker 4: Oh not even close, not even close. 53 00:03:41,960 --> 00:03:45,680 Speaker 3: No, No, there was a lot the majority of my 54 00:03:45,759 --> 00:03:51,360 inspections were done in those middle class, upper middle class areas, 55 00:03:51,560 --> 00:03:59,159 and the emotional part was the same. And these people 56 00:03:59,159 --> 00:04:03,840 are about to run into a collision between laws, rules 57 00:04:03,840 --> 00:04:07,719 and regulations and their emotions and there's nothing they can 58 00:04:07,759 --> 00:04:11,280 do about it because there's certain things they are going 59 00:04:11,319 --> 00:04:13,240 to have to go through. Now. FEMA is going to 60 00:04:13,280 --> 00:04:17,199 get involved, oh boy, And there's a lot of environmental 61 00:04:17,199 --> 00:04:19,040 things that have to happen. And I watched this first 62 00:04:19,040 --> 00:04:22,120 time with my brother because his house burned down. So 63 00:04:22,240 --> 00:04:26,160 I saw all the preliminary stuff. They're going to bring 64 00:04:26,240 --> 00:04:28,759 the bulldozers in, and I talked to the female people. 65 00:04:28,800 --> 00:04:31,439 They're going to bring the bulldozers in and they're going 66 00:04:31,480 --> 00:04:34,480 to start scraping soil because they've got to do soil sampling, 67 00:04:34,480 --> 00:04:36,800 which either the home owner is going to pay. 68 00:04:36,600 --> 00:04:41,399 Speaker 1: For or the Oh wait wait, why why why do 69 00:04:41,439 --> 00:04:44,680 you need a soil sample your house burned. 70 00:04:45,360 --> 00:04:50,839 Speaker 3: The homes are filled with copper and all kinds of 71 00:04:51,639 --> 00:04:55,680 junk that they In fact, my brother's neighbor's wife had 72 00:04:55,720 --> 00:04:59,519 a big, huge copper bowl as a decor, and they 73 00:05:00,240 --> 00:05:05,199 sample right right where it was, right where it was, 74 00:05:05,399 --> 00:05:07,279 and they had to scrape. 75 00:05:06,759 --> 00:05:11,240 Speaker 1: Again, so they failed the test. Oh my gosh, so 76 00:05:11,480 --> 00:05:14,759 I get one part. I get one part of this. 77 00:05:15,240 --> 00:05:18,199 I don't like it, but I understand. So I built 78 00:05:18,199 --> 00:05:21,240 my house. The house that I bought was built in 79 00:05:21,319 --> 00:05:25,759 nineteen fifty, let's say, and the building codes in nineteen 80 00:05:25,920 --> 00:05:29,360 fifty were a lot different than in twenty twenty five. 81 00:05:29,800 --> 00:05:32,839 So I can see where they go to rebuild their 82 00:05:32,879 --> 00:05:35,399 house and they say, I want to build a house 83 00:05:35,480 --> 00:05:38,920 like I had, Well, you can't do that because the 84 00:05:38,959 --> 00:05:44,040 code has changed. So I can see that coming at them. 85 00:05:44,439 --> 00:05:48,800 Speaker 3: Man, And that costs money because now if you have 86 00:05:49,000 --> 00:05:52,319 the plans that were recorded with the county, you can 87 00:05:52,360 --> 00:05:55,639 go get the plans to your house. But those plans 88 00:05:55,680 --> 00:05:57,240 are old, so now they've got to be upgraded. So 89 00:05:57,240 --> 00:05:59,319 now they've got to go to an architect. So you 90 00:05:59,399 --> 00:06:02,800 have to pay for that at But my brother's case, 91 00:06:02,959 --> 00:06:07,439 they never recorded the plans, so he had to find 92 00:06:07,839 --> 00:06:10,199 something that was going to be equivalent to the square 93 00:06:10,240 --> 00:06:14,360 footage that the insurance company in the bank would accept, 94 00:06:15,279 --> 00:06:17,879 and he never did rebuild, ended up buying last year. 95 00:06:19,040 --> 00:06:21,439 Speaker 4: Yeah, they went around for years trying to fine persic. 96 00:06:21,600 --> 00:06:23,759 Speaker 3: So anyway you're gonna they're gonna end up with the 97 00:06:23,759 --> 00:06:26,079 FEMA thing. They're going to have to record it with 98 00:06:26,120 --> 00:06:28,920 the insurance company. The insurance company's going to give them 99 00:06:28,920 --> 00:06:32,720 an initial payout answer some money and there, and usually 100 00:06:32,759 --> 00:06:36,319 people use their contents money, but that's a lump sum. 101 00:06:36,519 --> 00:06:39,399 And that was another problem, which I think they've corrected, 102 00:06:39,519 --> 00:06:41,720 is that my brother spent hours trying to remember what 103 00:06:41,800 --> 00:06:42,480 was in that house. 104 00:06:43,439 --> 00:06:44,480 Speaker 2: Well that's what, that's what. 105 00:06:45,040 --> 00:06:47,800 Speaker 1: That's why I thought the guy who was his house, 106 00:06:47,879 --> 00:06:50,360 I mean, the fires all around his house and he's 107 00:06:50,399 --> 00:06:54,360 there with his iPhone taking videos, and I thought, oh, 108 00:06:54,439 --> 00:06:56,639 please run for your life. But then if they know, 109 00:06:57,399 --> 00:07:00,600 because could you remember everything in your house? 110 00:07:00,720 --> 00:07:03,959 Speaker 5: No, no, no, my house didn't burn. 111 00:07:04,240 --> 00:07:06,920 Speaker 3: But I think she may have changed that. I'm not 112 00:07:07,000 --> 00:07:10,759 sure they The insurance commissioner, I think stepped in and 113 00:07:11,319 --> 00:07:15,680 stopped that because all of a sudden he stopped having 114 00:07:15,720 --> 00:07:19,560 to do all of this nitpicky, what the heck did 115 00:07:19,560 --> 00:07:22,360 we have? And then we're going back to old photos. 116 00:07:21,639 --> 00:07:23,879 Speaker 4: Yea, yeah, you know it was. 117 00:07:24,240 --> 00:07:25,120 Speaker 3: It was a nightmare. 118 00:07:25,360 --> 00:07:27,160 Speaker 5: So then after you get your you're. 119 00:07:27,000 --> 00:07:29,399 Speaker 3: Getting started money as I called it to them, because 120 00:07:29,439 --> 00:07:32,439 I would try to explain this process to people because 121 00:07:32,480 --> 00:07:36,399 their emotions are just like, I mean, build a house, 122 00:07:36,480 --> 00:07:42,120 lose a spouse. Okay, it literally was that. And and 123 00:07:42,199 --> 00:07:44,839 once you get all the environmental stuff done, you get 124 00:07:44,839 --> 00:07:49,079 your architect upgrades done, you get all the all the processing, 125 00:07:49,480 --> 00:07:51,879 you know, the everything you need, all the ducks in 126 00:07:51,879 --> 00:07:54,199 a row, you got to get the power dropped, and 127 00:07:54,240 --> 00:07:56,120 you get scrape things all done. Then you put the 128 00:07:56,160 --> 00:07:58,959 foundation in, and then you get the foundation and then 129 00:07:59,040 --> 00:08:02,079 just step by step by step. 130 00:08:01,920 --> 00:08:04,319 Speaker 1: Let me ask you what I would do as I well, 131 00:08:04,439 --> 00:08:08,680 let me ask you if we're talking about major wildfires 132 00:08:08,680 --> 00:08:12,759 that you experienced and they're experiencing today in Los Angeles, 133 00:08:13,160 --> 00:08:15,800 But what of my if it wasn't a major wildfire, 134 00:08:15,879 --> 00:08:19,680 my house burned down, just me, me, myself and I 135 00:08:19,199 --> 00:08:21,800 I left something on the kitchen and the house burned down. 136 00:08:22,079 --> 00:08:25,600 Speaker 2: Do I have to go all through that too, same thing. 137 00:08:25,519 --> 00:08:30,439 Speaker 3: Same process, same thing. It's all the same. It doesn't matter, 138 00:08:30,519 --> 00:08:33,000 it doesn't matter if you have a leak in your house, 139 00:08:33,320 --> 00:08:37,039 doesn't matter. It's the same process, exactly the same process. 140 00:08:37,200 --> 00:08:41,159 So what the insurance company does is they give you 141 00:08:41,480 --> 00:08:46,799 the money, the entire money that you received, so rebuild 142 00:08:46,799 --> 00:08:51,080 your house based upon your contract. And that is chea. 143 00:08:51,320 --> 00:08:54,480 This is where the problem comes into. This is where 144 00:08:54,480 --> 00:08:58,320 the class comes in, because everybody who signs a contract 145 00:08:58,679 --> 00:09:03,080 with your insurance company has You don't see it, but 146 00:09:03,200 --> 00:09:08,759 there's a payout for everything concrete. 147 00:09:08,840 --> 00:09:13,240 Speaker 2: Tile work, sure, heat block, sure. 148 00:09:13,320 --> 00:09:19,919 Speaker 3: Running the interior, the ductor. And what happens is with inflation, 149 00:09:20,159 --> 00:09:22,679 those prices go up. I mean I was seeing people 150 00:09:22,720 --> 00:09:26,559 rebuilding their homes. Their foundation cops went up forty dollars 151 00:09:27,759 --> 00:09:28,480 from what day. 152 00:09:28,679 --> 00:09:31,679 Speaker 5: Well, yes, yes, it's on their contract. 153 00:09:31,720 --> 00:09:36,759 Speaker 3: Now you can negotiate that, but it's it varies from 154 00:09:36,840 --> 00:09:38,120 insurance company. 155 00:09:37,799 --> 00:09:40,120 Speaker 2: To well, well it goes back on you when you buy. 156 00:09:40,240 --> 00:09:43,879 Speaker 1: When you buy home insurance, they can sell you a 157 00:09:44,240 --> 00:09:48,399 cash value policy, which says that they'll take a look 158 00:09:48,399 --> 00:09:51,399 at your sofa and they'll say, well, you bought that 159 00:09:51,480 --> 00:09:56,679 sofa six years ago. Now it's worth much less, so 160 00:09:56,759 --> 00:09:59,000 we'll give you the much less price, or you can 161 00:09:59,039 --> 00:10:04,360 buy a more expense policy that says replacement value. And 162 00:10:04,399 --> 00:10:07,240 that's where you say, I had a sofa and then. 163 00:10:08,080 --> 00:10:09,039 Speaker 2: I want to replace that. 164 00:10:10,120 --> 00:10:12,200 Speaker 3: Well, but that doesn't even matter. 165 00:10:12,679 --> 00:10:14,840 Speaker 2: It should the lawyers will make them happens. 166 00:10:16,039 --> 00:10:17,200 Speaker 6: No, it does, it doesn't. 167 00:10:18,080 --> 00:10:21,600 Speaker 3: It's supply and demand. It's like, yeah, you can give 168 00:10:21,679 --> 00:10:25,919 replacement value. I currently have two times over my replacement value. 169 00:10:25,919 --> 00:10:27,840 But I did that two years ago and I need 170 00:10:27,840 --> 00:10:30,440 to look at it. People had replacement value. But the 171 00:10:30,519 --> 00:10:32,960 problem was when you have a big fire like that, 172 00:10:33,320 --> 00:10:34,679 there's no supplies. 173 00:10:35,960 --> 00:10:42,799 Speaker 1: Oh yeah, sure, yeah, yeah, yeah yeah, all of a sudden, 174 00:10:42,799 --> 00:10:45,399 all the furniture stores are out of furniture. 175 00:10:45,639 --> 00:10:48,120 Speaker 2: Yeah they're all they're something everything they got. 176 00:10:48,200 --> 00:10:52,080 Speaker 3: Yeah yeah, So all of a sudden, a ten dollars 177 00:10:52,120 --> 00:10:54,960 back of concrete is not going for twenty five It's 178 00:10:55,039 --> 00:10:58,759 not just anybody's lounging anybody. It's just simply what happens. 179 00:10:58,919 --> 00:10:59,120 Speaker 4: Yeah. 180 00:10:59,120 --> 00:11:06,320 Speaker 3: No, it go through this process of rebuilding and it's 181 00:11:06,360 --> 00:11:07,879 going to be two years. I mean there was a 182 00:11:07,879 --> 00:11:11,519 house that burned a couple of blocks from two, three 183 00:11:11,559 --> 00:11:15,080 or four blocks to them two years. It didn't even totally. 184 00:11:15,120 --> 00:11:17,919 I mean it didn't even just get in the house. 185 00:11:17,919 --> 00:11:19,440 Speaker 2: It was over to the garage. 186 00:11:19,759 --> 00:11:19,919 Speaker 4: Yeah. 187 00:11:19,960 --> 00:11:23,759 Speaker 1: So these so these people whose house is burned down, 188 00:11:24,840 --> 00:11:28,399 spent their first night at some place else last night, 189 00:11:28,480 --> 00:11:31,799 hotel or friend or some other place, and they're going 190 00:11:31,879 --> 00:11:33,720 to they're basically not going to be back in a. 191 00:11:33,720 --> 00:11:35,720 Speaker 2: Home for a couple of years, is what you're saying. 192 00:11:36,120 --> 00:11:37,159 Speaker 4: Yike, a couple of years. 193 00:11:37,279 --> 00:11:37,480 Speaker 5: Yeah. 194 00:11:37,879 --> 00:11:42,120 Speaker 3: Yeah, these are really wealthy people. They may have different resources, 195 00:11:42,159 --> 00:11:44,960 but this is what I saw with the middle the 196 00:11:45,000 --> 00:11:48,960 middle class, upper middle class homes. But they're not going 197 00:11:49,000 --> 00:11:50,639 to get around these environmental things. 198 00:11:50,720 --> 00:11:54,840 Speaker 1: They're No, no, they won't. But it doesn't it doesn't matter. 199 00:11:55,039 --> 00:11:59,559 It doesn't matter how wealthy you are, your your wedding album, 200 00:12:00,039 --> 00:12:03,320 photo of the kids when they were little, right, all 201 00:12:03,360 --> 00:12:06,759 of that. It's it pings your heart no matter how 202 00:12:06,840 --> 00:12:07,639 much money you have. 203 00:12:08,559 --> 00:12:10,200 Speaker 2: It's it's sables. 204 00:12:10,519 --> 00:12:14,480 Speaker 3: It's absolutely horrible. It's it's a and for on the 205 00:12:14,519 --> 00:12:17,360 other side of it, that didn't when you when you're 206 00:12:17,399 --> 00:12:21,399 first there, it first hits you that you got to evacuate. 207 00:12:21,519 --> 00:12:24,720 You don't want to take you really truly. 208 00:12:24,440 --> 00:12:25,159 Speaker 4: Don't, you know? 209 00:12:25,600 --> 00:12:30,039 Speaker 1: And I mean, like I said, This fire started yesterday 210 00:12:30,480 --> 00:12:35,159 at ten thirty in the morning, and people were kind 211 00:12:35,159 --> 00:12:38,720 of going, I don't know what do we do? Even 212 00:12:38,759 --> 00:12:41,120 if somebody was Johnny on the Spot and said, let's 213 00:12:41,200 --> 00:12:41,799 let's go. 214 00:12:41,879 --> 00:12:44,519 Speaker 2: What do you take? What do you grab? Where's your 215 00:12:44,559 --> 00:12:45,120 go bag? 216 00:12:45,639 --> 00:12:46,039 Speaker 4: Exactly? 217 00:12:46,679 --> 00:12:47,320 Speaker 2: What's in it? 218 00:12:48,080 --> 00:12:48,320 Speaker 4: Yeah? 219 00:12:49,360 --> 00:12:52,440 Speaker 1: I mean I you know, most everybody. 220 00:12:52,000 --> 00:12:55,080 Speaker 3: Puts things online now, which is what we're doing now, 221 00:12:55,159 --> 00:12:57,759 is we're putting it on clouds and smart. 222 00:12:58,000 --> 00:13:00,879 Speaker 1: I grab my you know what that's that's so smart 223 00:13:00,879 --> 00:13:04,200 as yes, put him in the cloud, take photos, take videos, 224 00:13:05,039 --> 00:13:07,360 and have it someplace so that if your house burns 225 00:13:07,360 --> 00:13:10,559 down tonight, you got it all. 226 00:13:11,519 --> 00:13:15,039 Speaker 2: You've got it documented. Yeah, that's good advice. All right, Gloria, 227 00:13:15,080 --> 00:13:17,000 I got It's going to be a while for them. 228 00:13:17,240 --> 00:13:22,840 Speaker 1: Oh yeah, I feel terrible for them. Got to run, Laurie. 229 00:13:22,840 --> 00:13:27,279 Thank you for the information. I do appreciate your call. Yeah, 230 00:13:27,440 --> 00:13:31,919 I say your prayers for them. It's all you can do. 231 00:13:33,279 --> 00:13:37,559 Phone numbers here is eight five, five, two, nine, five 232 00:13:37,960 --> 00:13:40,000 sixty six hundred. Will be right back. 233 00:13:41,000 --> 00:13:43,360 Speaker 4: Tom. If you're a straight up guy, I love the show. 234 00:13:43,559 --> 00:13:47,600 Speaker 6: He's the smartest guy in the room. 235 00:13:47,840 --> 00:13:51,919 Speaker 2: Well. President Biden was in Los Angeles. I was in 236 00:13:51,960 --> 00:13:52,960 California to. 237 00:13:55,000 --> 00:14:01,159 Speaker 1: Declare some land off limits of the National Landmarks or 238 00:14:01,200 --> 00:14:04,399 whatever they were, and so he's done that and he's 239 00:14:04,440 --> 00:14:07,360 now winging it back to Washington, d C. He's got 240 00:14:07,399 --> 00:14:10,919 to get back for Jimmy Carter's funeral service tomorrow. 241 00:14:12,440 --> 00:14:13,639 Speaker 2: That's what's going on with him. 242 00:14:14,600 --> 00:14:20,879 Speaker 1: Dave's Waterfall is a guy who lived in Pacific Palisades 243 00:14:21,879 --> 00:14:26,679 and this is his description cut six about what happened 244 00:14:26,679 --> 00:14:28,039 when he was told to evacuate. 245 00:14:28,679 --> 00:14:32,799 Speaker 7: We've had the misfortune of having the fire come to 246 00:14:32,840 --> 00:14:33,639 our neighborhoods. 247 00:14:33,639 --> 00:14:34,320 Speaker 4: So we were. 248 00:14:34,159 --> 00:14:38,840 Speaker 7: Forced to evacuate around nine pm last night, and so 249 00:14:38,960 --> 00:14:41,960 my family and I we evacuated to our dealership here 250 00:14:42,519 --> 00:14:46,360 in Santa Monica. So we took a bunch of video 251 00:14:47,519 --> 00:14:49,720 just so we could share and document it as well. 252 00:14:49,840 --> 00:14:55,240 Speaker 2: But my wife favorite go bag, and she over the 253 00:14:55,240 --> 00:14:59,159 close break. She actually filed everything. So we have all of. 254 00:14:59,120 --> 00:15:02,399 Speaker 7: Our important docum, his papers, a couple of hard drives, 255 00:15:02,480 --> 00:15:05,679 our pets, our kids, and our kids packed a backpack 256 00:15:05,720 --> 00:15:08,720 of essentially anything I did. 257 00:15:08,879 --> 00:15:09,480 Speaker 4: Sneak out of. 258 00:15:09,480 --> 00:15:13,320 Speaker 7: Here on a motorcycle this morning and go see my 259 00:15:13,360 --> 00:15:20,000 neighborhood and it is blocked by the police. There's a 260 00:15:20,000 --> 00:15:23,000 lot of wind damage. I saw my house. We lost 261 00:15:23,000 --> 00:15:25,799 our gate and our fence. There's trees down that have 262 00:15:25,840 --> 00:15:29,759 crushed cars and on top of houses. And the fire 263 00:15:30,000 --> 00:15:32,679 is the fire lines eight blocks from our home. 264 00:15:33,399 --> 00:15:39,440 Speaker 1: No, see what he did. He took photos and video 265 00:15:40,919 --> 00:15:42,440 and he took his heart. He took a couple of 266 00:15:42,519 --> 00:15:47,600 hard drives, portable hard drives, I imagine. But put stuff 267 00:15:47,639 --> 00:15:50,799 in the clouds. Take photos and videos of your possessions, 268 00:15:51,120 --> 00:15:54,320 because you will never remember everything that you have. The 269 00:15:54,440 --> 00:15:56,639 insurance dude's going to be saying, all right, what did 270 00:15:56,639 --> 00:15:59,840 you have in the family room? Well, we have so 271 00:16:01,200 --> 00:16:05,480 and we had a couple of lamps, and try and 272 00:16:05,519 --> 00:16:10,399 remember all that stuff. What did you have? Any artwork? 273 00:16:10,600 --> 00:16:18,000 Any any vases? And hard to remember, very hard to remember. 274 00:16:19,200 --> 00:16:26,679 Eight nine five sixty six hundred, Danielle, I understand you 275 00:16:26,799 --> 00:16:27,639 work in insurance. 276 00:16:27,679 --> 00:16:28,559 Speaker 2: Is that right, Danielle? 277 00:16:29,879 --> 00:16:32,720 Speaker 5: That is correct? Tom yay, thanks for having me on. 278 00:16:32,679 --> 00:16:35,399 Speaker 2: The showf you bet what's your what's your Reactually? 279 00:16:37,879 --> 00:16:39,919 Speaker 5: I was calling in regards to Laurie what she said. 280 00:16:39,960 --> 00:16:42,279 I actually was a claim's adjuster that worked the napp 281 00:16:42,320 --> 00:16:47,080 of fires and the evacuation center for a large insurance 282 00:16:47,080 --> 00:16:50,120 company for many years and during that time, and even 283 00:16:50,159 --> 00:16:54,200 now California does not have something in place where they're 284 00:16:54,240 --> 00:16:56,919 going to pay seventy five percent of all the content. 285 00:16:57,039 --> 00:16:58,639 Let's say, of the limits that you have in a 286 00:16:58,720 --> 00:17:02,639 large lost fire especial play a wildfire. Some insurance companies 287 00:17:02,679 --> 00:17:05,440 do the particular one I work for to this day. 288 00:17:05,559 --> 00:17:09,319 Even if you do not have a catastrophic wildfire, you 289 00:17:09,440 --> 00:17:12,960 are responsible for listing everything you have in your home. 290 00:17:13,839 --> 00:17:17,319 I would always tell people traveling across the country. I've 291 00:17:17,359 --> 00:17:20,599 done hurricanes, fires, I'd say, anything you do, put it 292 00:17:20,640 --> 00:17:24,440 in a safe deposit box at the bank. Okay, don't 293 00:17:24,440 --> 00:17:26,240 put it in It's not going to do any good 294 00:17:26,240 --> 00:17:27,599 if you have it at your you know. 295 00:17:27,599 --> 00:17:28,839 Speaker 2: Well what do you hold? 296 00:17:28,920 --> 00:17:29,039 Speaker 3: No? 297 00:17:29,039 --> 00:17:31,160 Speaker 1: No, no, but what do you think about the idea? 298 00:17:31,279 --> 00:17:34,359 Just take photos and videos and store it in the cloud. 299 00:17:35,160 --> 00:17:35,599 Speaker 2: That way. 300 00:17:35,880 --> 00:17:38,559 Speaker 1: Well, when I come into your office and you say 301 00:17:38,599 --> 00:17:40,839 what do you got, I'll say here, here it is. 302 00:17:42,559 --> 00:17:42,960 Speaker 4: Assuming. 303 00:17:43,000 --> 00:17:44,799 Speaker 5: Yeah, but I'm a little old school Tom, I kind 304 00:17:44,799 --> 00:17:47,960 of like I would do both just because just to 305 00:17:48,000 --> 00:17:51,000 cover myself, just because you know, there is a claim. 306 00:17:51,039 --> 00:17:52,759 I would say this if I had a wood clogs 307 00:17:52,799 --> 00:17:55,640 that nobody knew nobody had anything though, photos, no, nothing. 308 00:17:55,680 --> 00:17:57,640 The only way we were able to pay it was 309 00:17:57,759 --> 00:18:00,359 based on sign affidavits and the gentlemen that I finally 310 00:18:00,359 --> 00:18:02,240 figured out it was from the you know, he was 311 00:18:02,240 --> 00:18:04,759 from the historic examp. I mean, the guy was just 312 00:18:05,720 --> 00:18:08,079 so that was pretty easy, but it's it's difficult. I 313 00:18:08,079 --> 00:18:11,720 would tell people, when you are going through this catastrophic situation, 314 00:18:12,160 --> 00:18:14,039 keep a notebook by your bed. You're going to wake 315 00:18:14,079 --> 00:18:15,160 up in the middle of the night and say, oh 316 00:18:15,200 --> 00:18:17,640 my god, I forgot about my great grandmother's hairloom. 317 00:18:17,960 --> 00:18:23,039 Speaker 2: Yeah, yeah, it is. It's those are those are the things. 318 00:18:23,160 --> 00:18:27,039 Speaker 1: They're priceless to you, but to the insurance company, they're 319 00:18:27,160 --> 00:18:28,160 just an item. 320 00:18:29,519 --> 00:18:30,359 Speaker 4: It's just property. 321 00:18:31,319 --> 00:18:33,559 Speaker 5: So I mean I always tell people, please look at 322 00:18:33,559 --> 00:18:36,359 your limits because people don't change the limits and you 323 00:18:36,400 --> 00:18:39,039 can go years and years and years. Yeah, just in 324 00:18:39,359 --> 00:18:41,880 just in, just in property damage, because as you know, 325 00:18:41,960 --> 00:18:44,480 when you have a catastrophic loss, you have you know, 326 00:18:44,519 --> 00:18:46,960 supplying demand, so you can only imagine what's going to 327 00:18:47,039 --> 00:18:50,400 happen with dry wall, roofings and all those type. 328 00:18:50,200 --> 00:18:54,559 Speaker 2: Of especially Yeah, in a situation like this, yes, absolutely. 329 00:18:54,640 --> 00:18:57,480 Speaker 5: Well, this is have all the ambulans, tasers. 330 00:18:57,400 --> 00:19:01,440 Speaker 1: Yeah, yes, and and the the contractors that are not 331 00:19:01,519 --> 00:19:05,519 really contractors, scam artists and stuff like that. I got 332 00:19:05,519 --> 00:19:10,200 to hit or break, But that's good advice. Daniel Primetime 333 00:19:10,599 --> 00:19:13,920 all the time with Tom Sullivan Primetime. It is. 334 00:19:15,559 --> 00:19:15,759 Speaker 4: Yeah. 335 00:19:15,799 --> 00:19:19,960 Speaker 1: The whole insurance business is another story. And I think 336 00:19:20,000 --> 00:19:23,359 I first saw the insurance company starting to cancel people. 337 00:19:23,960 --> 00:19:26,839 First stories I saw of that time flies. But I 338 00:19:26,839 --> 00:19:29,599 want to say three or four years ago in Florida, 339 00:19:30,559 --> 00:19:34,519 there was a series of hurricanes that had gone through 340 00:19:34,559 --> 00:19:38,839 that area and they just started canceling people. And there's 341 00:19:38,839 --> 00:19:41,079 people that are crying the blues in Florida trying to 342 00:19:41,079 --> 00:19:44,640 get home insurance. Well, California is kind of on the 343 00:19:44,680 --> 00:19:51,079 same path. In April of last year, so eight months ago, 344 00:19:51,200 --> 00:19:54,799 nine months ago, State Farm, one of the biggest private 345 00:19:54,880 --> 00:19:58,519 insurance companies in the state of California, announced that it 346 00:19:58,599 --> 00:20:05,279 had canceled seventy two thousand policies, thirty thousand of which 347 00:20:05,319 --> 00:20:09,279 were homes, and many of them were in high risk 348 00:20:09,400 --> 00:20:14,880 areas and upscale neighborhoods in Los Angeles now being affected 349 00:20:14,880 --> 00:20:21,759 by these fires. So that they I mean, State Farm 350 00:20:21,759 --> 00:20:25,440 paid out a bunch In twenty seventeen, twenty eighteen from wildfires, 351 00:20:25,480 --> 00:20:30,720 and they said, we're going to reduce our exposure. So 352 00:20:30,799 --> 00:20:34,680 it's state law does not require you to have fire insurance. 353 00:20:34,720 --> 00:20:38,440 But your mortgage lender, if you have a mortgage on 354 00:20:38,480 --> 00:20:40,200 your house, they're going to want you to have. 355 00:20:41,759 --> 00:20:42,319 Speaker 2: Insurance. 356 00:20:43,720 --> 00:20:48,480 Speaker 1: And they have a program if you can't get insurance, 357 00:20:48,519 --> 00:20:52,440 a state program, but it doesn't pay ditaly. Those programs 358 00:20:52,440 --> 00:20:57,480 are terrible, better than nothing, but it's not a lot 359 00:21:01,599 --> 00:21:03,680 sixty six hundred. 360 00:21:04,519 --> 00:21:05,200 Speaker 2: How you doing Q? 361 00:21:07,599 --> 00:21:10,400 Speaker 4: Good afternoon, mister Sullivan, How good afternoon. 362 00:21:10,480 --> 00:21:12,000 Speaker 2: I'm great going on. 363 00:21:12,400 --> 00:21:17,279 Speaker 4: That's good. Yeah, So you might have to check your 364 00:21:17,319 --> 00:21:21,359 portfolio now and say, hmmm, with these fires that's going 365 00:21:21,440 --> 00:21:24,680 on right now, I think I'm gonna get some more 366 00:21:25,240 --> 00:21:29,519 not exposure, but maybe I might start building building up 367 00:21:32,039 --> 00:21:38,200 with the building materials company, all right. And the reason 368 00:21:38,240 --> 00:21:39,079 why I say. 369 00:21:38,880 --> 00:21:44,680 Speaker 1: That is, hold, go ahead, hold hold the horses. 370 00:21:45,680 --> 00:21:48,440 Speaker 2: Are you trying to make money off of this tragedy too? 371 00:21:50,759 --> 00:21:52,160 Of course yes, with. 372 00:21:52,640 --> 00:21:56,839 Speaker 4: Any of course, any business executive is gonna say, wow, 373 00:21:57,039 --> 00:22:00,920 hey man, even though we're gonna lose multi millions of 374 00:22:00,960 --> 00:22:04,759 dollars doing with these claims, at least we can get 375 00:22:04,799 --> 00:22:08,880 dealing with the building products and try to recove my money. 376 00:22:09,079 --> 00:22:13,839 Yeah all right, yeah, But honestly, but think about this. 377 00:22:15,039 --> 00:22:18,640 What do you think your insurance executives are thinking right now? 378 00:22:21,200 --> 00:22:24,000 Speaker 2: Well, there they are. 379 00:22:24,039 --> 00:22:27,720 Speaker 1: This is going to be uh because prices in Los 380 00:22:27,759 --> 00:22:31,880 Angeles of of your average ordinary home are outrageously high. 381 00:22:32,200 --> 00:22:34,640 So this is probably gonna this is probably going to 382 00:22:34,680 --> 00:22:39,119 be the biggest insurance loss in decades. 383 00:22:39,160 --> 00:22:39,400 Speaker 4: Ever. 384 00:22:40,200 --> 00:22:42,559 Speaker 2: Yeah, ever, Yeah. 385 00:22:42,279 --> 00:22:44,319 Speaker 4: Because if you look at the map, if you look 386 00:22:44,359 --> 00:22:46,799 at the map of the fires that they got right now, 387 00:22:47,720 --> 00:22:50,799 even though the wind is going from the mountains or 388 00:22:50,839 --> 00:22:54,640 the hills to the ocean, right all it needs is 389 00:22:54,680 --> 00:22:59,799 a simple wind change and go to north Santa Monica 390 00:23:00,039 --> 00:23:00,519 be in thread. 391 00:23:01,799 --> 00:23:04,079 Speaker 1: Well this is that these are the Santa Anna's and 392 00:23:04,119 --> 00:23:07,759 they always blow out of the east towards the west, 393 00:23:08,039 --> 00:23:11,039 and and so that I don't think it's going to 394 00:23:11,160 --> 00:23:14,880 change dramatically. But their way. The problem is is that 395 00:23:15,119 --> 00:23:17,519 the winds are still going to stay high for at 396 00:23:17,640 --> 00:23:22,240 least another day. So they've still got they've still got 397 00:23:22,240 --> 00:23:24,359 the flames spreading. 398 00:23:24,759 --> 00:23:26,359 Speaker 2: But they're good. But that's what happened. 399 00:23:26,400 --> 00:23:28,559 Speaker 1: They came, they came in over the hills and then 400 00:23:28,680 --> 00:23:30,880 down to the down to the ocean. And they just 401 00:23:30,920 --> 00:23:34,480 pushed the flames as a m Yeah, exactly. 402 00:23:35,400 --> 00:23:39,160 Speaker 4: So it's it's a bad situation. Uh my bed is 403 00:23:39,400 --> 00:23:44,599 is going to be trillions of dollars that's going to 404 00:23:44,680 --> 00:23:49,160 be I have to be uh implemented to rebuild. And 405 00:23:49,240 --> 00:23:53,960 like your previous caller, she said about what sixty seven 406 00:23:54,079 --> 00:23:58,680 years before they even got their house rebuilt. Yeah, that's 407 00:23:58,720 --> 00:24:01,279 gonna be. That's gonna be a mess. Man. 408 00:24:02,319 --> 00:24:04,960 Speaker 1: You know, well, I look, I'm looking at this. I'm 409 00:24:04,960 --> 00:24:06,920 looking at this, and I'm thinking it's just going to 410 00:24:07,000 --> 00:24:10,759 be a scarred piece of earth for a few for 411 00:24:11,000 --> 00:24:14,960 at least a few years, maybe more. And I don't 412 00:24:15,000 --> 00:24:18,759 have the latest update on Lahina, but I mean there 413 00:24:19,160 --> 00:24:21,720 the last one I saw was three or four months ago. 414 00:24:21,759 --> 00:24:24,640 And it's all they've done is scraped the earth. It's 415 00:24:24,680 --> 00:24:26,960 just empty lots. It's all dirt. 416 00:24:27,279 --> 00:24:32,000 Speaker 4: Yeah, it's all dirt. So also think about this, tom 417 00:24:33,000 --> 00:24:38,799 because of the economic, social, and you know, psychological thing 418 00:24:39,160 --> 00:24:41,960 that's going to go down, some of these people might 419 00:24:41,960 --> 00:24:46,160 not ever go back to their houses. All right. If 420 00:24:46,160 --> 00:24:49,279 the insurance company give them a payout of X amount, 421 00:24:49,440 --> 00:24:52,200 let's just say, five hundred thousand dollars to the house 422 00:24:53,599 --> 00:24:56,319 it's going to cost them seven hundred and fifty or 423 00:24:56,400 --> 00:24:58,839 maybe eight hundred thousand dollars to get it rebuilt. 424 00:25:00,759 --> 00:25:04,599 Speaker 1: Well, like like Laurie was telling us her that her brother, 425 00:25:04,640 --> 00:25:06,640 I think what she was talking about. It never rebuilt, 426 00:25:06,720 --> 00:25:11,119 just went and bought something else, just started someplace else, Yeah, 427 00:25:11,200 --> 00:25:13,880 somewhere else. Yeah, I mean, you got to get You 428 00:25:13,880 --> 00:25:15,799 don't want to fight, and the insurance companies know that, 429 00:25:15,880 --> 00:25:18,759 they know that they'll they can wear you down, and 430 00:25:18,839 --> 00:25:21,039 so you do. You're throwing the towel, say give me 431 00:25:21,079 --> 00:25:23,440 my check. I'm gone, I'm out. I'm going somewhere else. 432 00:25:23,920 --> 00:25:27,319 Speaker 4: I'm out. I'm audios. And just think about this. This 433 00:25:27,400 --> 00:25:32,440 weather event is supposed to happen later in the summertime. 434 00:25:32,799 --> 00:25:35,000 Why is it happening when it's. 435 00:25:35,039 --> 00:25:36,359 Speaker 2: Yeah, usually it's the fall. 436 00:25:36,799 --> 00:25:41,279 Speaker 1: Usually it's the fall, October, October, November is just like 437 00:25:41,319 --> 00:25:45,960 the hurricane season. It's in summer and early fall, and 438 00:25:46,000 --> 00:25:48,440 then then you don't get hurricanes anymore. And it's the 439 00:25:48,480 --> 00:25:51,480 same with I'm surprised that Santa Anna's where this is 440 00:25:51,599 --> 00:25:54,200 January and we got a Santa Anna storm. 441 00:25:54,920 --> 00:25:57,359 Speaker 2: So I'm surprised as well. 442 00:25:58,000 --> 00:26:02,799 Speaker 4: So I don't know, I wow, it's crazy, man, It's 443 00:26:02,839 --> 00:26:05,400 just a bad sitish. And then they jumped from two 444 00:26:05,440 --> 00:26:10,160 fires this morning to the store. Yeah, and I was like, wow, 445 00:26:11,160 --> 00:26:14,000 put in two additional ones. Where are they at? 446 00:26:14,279 --> 00:26:15,640 Speaker 2: And I'm at the mass. 447 00:26:15,640 --> 00:26:18,799 Speaker 1: I feel like, oh boy, I know, and I you know, 448 00:26:18,920 --> 00:26:23,480 I'll wait to see what the causes were. Uh, but 449 00:26:23,680 --> 00:26:28,519 I I you know, the pyrotechic pirate, the pyros are 450 00:26:28,680 --> 00:26:32,559 are licking their chops. Yeah, because the winds are still 451 00:26:32,559 --> 00:26:35,960 blowing and and the vegetation is dry. 452 00:26:36,240 --> 00:26:37,319 Speaker 2: That's the other thing about this. 453 00:26:37,440 --> 00:26:39,839 Speaker 1: You can rebuild homes, but you can't put back the 454 00:26:39,960 --> 00:26:44,799 years and years of the beautiful plants and trees and 455 00:26:44,880 --> 00:26:48,400 all the colorful flowers that they have in Pacific Palisades. 456 00:26:48,440 --> 00:26:51,200 It's a gorgeous piece of earth. But it took them 457 00:26:51,200 --> 00:26:54,240 along to build that. It's gonna it's never gonna look 458 00:26:54,319 --> 00:26:58,759 like that in probably ten years. And I'm afraid you know, 459 00:26:58,839 --> 00:27:01,119 the you know the car on those I'm talking about, 460 00:27:02,039 --> 00:27:04,920 they there. It doesn't matter what city you live in. 461 00:27:05,160 --> 00:27:08,759 They're they're being built everywhere. They're the ugliest things I've 462 00:27:08,799 --> 00:27:13,759 ever seen, and it's like they're all the same. I mean, 463 00:27:15,720 --> 00:27:18,920 kind of looks like the Russian housing for the people. 464 00:27:19,039 --> 00:27:21,720 You know, they build all those things and they have 465 00:27:21,839 --> 00:27:24,160 thinks there's your apartment for the rest of your life. 466 00:27:24,200 --> 00:27:25,680 Speaker 2: And that's kind of what they're doing. 467 00:27:25,680 --> 00:27:28,079 Speaker 1: They're ugly, and that's what I'm afraid they're going to 468 00:27:28,119 --> 00:27:30,279 do is some developers going to go in there and say, 469 00:27:30,920 --> 00:27:33,160 I'm going to make you an offer for your property here, 470 00:27:33,200 --> 00:27:35,559 and I'm going to buy your property and then I'm 471 00:27:35,559 --> 00:27:39,720 going to build a big, old, ugly condo project. 472 00:27:41,880 --> 00:27:45,519 Speaker 2: Have you've seen those things to They all look the same. 473 00:27:46,359 --> 00:27:51,839 Speaker 4: Same, same design. Yes, where there might be a few 474 00:27:52,160 --> 00:27:56,119 intricate details that might they might put in, but overall, yeah, 475 00:27:56,119 --> 00:27:56,799 the same thing. 476 00:27:56,920 --> 00:27:59,359 Speaker 1: Well they used to They used to do condos that 477 00:27:59,400 --> 00:28:02,960 were unique, can have their own architecture, and they were nice. 478 00:28:03,880 --> 00:28:07,119 But now I'm going is there anybody at city hall 479 00:28:08,200 --> 00:28:11,680 that has that says, no, we don't approve your plans 480 00:28:12,240 --> 00:28:14,359 because you're making our city look ugly. 481 00:28:15,960 --> 00:28:21,319 Speaker 4: Yeah, well, hey, the city is thinking about we need money. 482 00:28:21,480 --> 00:28:24,200 Speaker 2: Solly want right pay your building fee and get out 483 00:28:24,200 --> 00:28:24,480 of here. 484 00:28:25,119 --> 00:28:27,599 Speaker 4: Yeah, get out of here. We'll pull your plan and 485 00:28:27,640 --> 00:28:28,240 we out of you. 486 00:28:28,559 --> 00:28:33,480 Speaker 1: Yeah all right, Well, listen, build building. Building products are 487 00:28:33,519 --> 00:28:37,400 like everything else. Inflation sent them to the moon and 488 00:28:37,480 --> 00:28:39,759 they've come back down again, but there's still more than 489 00:28:39,759 --> 00:28:41,079 they were before the pandemic. 490 00:28:42,160 --> 00:28:45,599 Speaker 3: You could care less about anything, Tom, What are you 491 00:28:45,720 --> 00:28:48,440 doing there? Tom Sullivan? 492 00:28:51,599 --> 00:28:55,920 Speaker 2: So just watching on a lot of our monitors. 493 00:28:57,319 --> 00:29:00,480 Speaker 1: They're interviewing the lady who is the head of FEMA, 494 00:29:01,640 --> 00:29:03,400 and she looks very concerned. 495 00:29:03,440 --> 00:29:07,599 Speaker 2: And she's sitting there in a FEMA office in Washington. 496 00:29:07,319 --> 00:29:11,160 Speaker 1: D C. And they've got rows and rows in rows 497 00:29:11,240 --> 00:29:17,039 and rows of computers and desks behind her. 498 00:29:17,880 --> 00:29:21,200 Speaker 2: There isn't a soul to be seen. Nobody's there. 499 00:29:23,119 --> 00:29:25,559 Speaker 1: Where are the people that are supposed to be working 500 00:29:25,599 --> 00:29:29,440 at four forty nine pm in Washington, D C. It's 501 00:29:29,480 --> 00:29:32,880 not five o'clock yet, folks, they're gone. She's the only 502 00:29:32,960 --> 00:29:37,240 one nobody at the FEMA office. Every single desk is empty, 503 00:29:38,279 --> 00:29:40,759 and even if they normally get off at five. Hello, 504 00:29:40,880 --> 00:29:43,079 you got you got a natural disaster going on in 505 00:29:43,160 --> 00:29:44,599 the second biggest city in the country. 506 00:29:45,400 --> 00:29:46,960 Speaker 2: You think we can get a few people to do 507 00:29:47,000 --> 00:29:47,839 some work here. 508 00:29:50,160 --> 00:29:54,160 Speaker 1: Phone numbers eight, five, five, two, nine, five sixty six hundred, Sandy, 509 00:29:54,960 --> 00:29:55,960 Welcome to the program. 510 00:29:56,079 --> 00:29:58,680 Speaker 2: Hi, Sandy, Good afternoon. 511 00:29:58,720 --> 00:30:01,680 Speaker 6: Tom. Want to make a comment to kind of help 512 00:30:01,720 --> 00:30:04,599 your virs if they didn't know what it to go bag. 513 00:30:04,759 --> 00:30:07,599 If where I live we have had fires and you 514 00:30:07,720 --> 00:30:10,799 have your to go bag with extra changes of clothes, 515 00:30:11,160 --> 00:30:14,400 your important papers, things that you need for your fur babies, 516 00:30:14,680 --> 00:30:17,240 and you put them in a closet, hopefully by the door. 517 00:30:17,640 --> 00:30:19,599 All you have to do is grab put it in 518 00:30:19,640 --> 00:30:22,680 your vehicle and go. But you need to put your 519 00:30:22,880 --> 00:30:27,240 to go bags together now if you are not facing 520 00:30:27,279 --> 00:30:29,920 a desunket, if you were in the fire zone, you 521 00:30:29,960 --> 00:30:31,839 would not want to do it now because you'll get 522 00:30:31,880 --> 00:30:34,839 in a panic. I face that once with a fire 523 00:30:34,920 --> 00:30:38,559 coming close. Threw my stuff together when it was all 524 00:30:38,559 --> 00:30:40,920 over and was thankfully we did not get touched by 525 00:30:40,960 --> 00:30:43,319 the fire. I looked at what I grabbed and it. 526 00:30:43,240 --> 00:30:44,799 Speaker 4: Was absolutely. 527 00:30:46,200 --> 00:30:46,960 Speaker 5: You're a lauron. 528 00:30:49,400 --> 00:30:52,880 Speaker 6: I learned this value blesson. So when you go bag, 529 00:30:53,119 --> 00:30:56,319 which I should understand why there's anybody anywhere that wouldn't 530 00:30:56,319 --> 00:30:59,640 because if you don't have fire, you have hurricanes, you 531 00:30:59,640 --> 00:31:03,480 have you have mud slides, you name it. So you 532 00:31:03,559 --> 00:31:06,680 need to put it together before you need it and 533 00:31:06,720 --> 00:31:09,640 so that when it happens, just have the list on 534 00:31:09,680 --> 00:31:12,480 the refrigerator, your to go bags in the closet, wherever, 535 00:31:12,960 --> 00:31:15,240 or if you've got into a couple of closets, list it, 536 00:31:15,680 --> 00:31:18,319 take that list, get that stuff, throw in your vehicle 537 00:31:18,480 --> 00:31:21,559 and go and then that way you're not I don't 538 00:31:21,559 --> 00:31:23,359 know what you're taken because you won't. 539 00:31:23,400 --> 00:31:29,599 Speaker 1: You know, we we don't our thought processes shambles. If 540 00:31:29,599 --> 00:31:32,079 you're in if you're panicking, we don't well, we don't 541 00:31:32,079 --> 00:31:36,079 do well. Yeah, I don't know. I don't know about 542 00:31:36,079 --> 00:31:37,680 the change of clothes, tating. 543 00:31:37,759 --> 00:31:38,599 Speaker 6: It just makes sure. 544 00:31:38,759 --> 00:31:41,480 Speaker 1: Oh yeah, because you could No, I go down to 545 00:31:41,160 --> 00:31:44,640 you go down to down to the J. C. Penny 546 00:31:44,680 --> 00:31:47,880 and buy yourself some underwear or whatever you need. Either know, 547 00:31:48,000 --> 00:31:48,599 you can buy that. 548 00:31:49,079 --> 00:31:51,599 Speaker 6: So you got your credit card or your your checkbook 549 00:31:51,640 --> 00:31:51,839 with you? 550 00:31:53,160 --> 00:31:54,200 Speaker 2: What's a checkbook? 551 00:31:55,279 --> 00:31:59,039 Speaker 6: Yeah? Really old school, I know. But you know what's 552 00:31:59,079 --> 00:32:02,480 funny is when we had a fire, all the powers 553 00:32:02,519 --> 00:32:04,640 were turned off and a lot of people went to 554 00:32:04,640 --> 00:32:06,400 go fill their cars up with gas so they could 555 00:32:06,440 --> 00:32:08,680 get out of here. Guess what wasn't working? Yeah, the 556 00:32:08,720 --> 00:32:09,960 pumps at the gas station. 557 00:32:10,799 --> 00:32:11,000 Speaker 1: Yeah. 558 00:32:11,000 --> 00:32:13,880 Speaker 6: I also went to ATMs and guess what wasn't working? 559 00:32:14,759 --> 00:32:17,039 Speaker 1: See, I tell you, well, you you bring up the 560 00:32:17,559 --> 00:32:22,519 question of go bags to me. You put in the 561 00:32:22,559 --> 00:32:24,759 go bag because all that stuff. You can take photos 562 00:32:24,799 --> 00:32:28,559 of your insurance policies and uh, photos of. 563 00:32:28,519 --> 00:32:31,599 Speaker 2: Your home and so you remember what you got. 564 00:32:31,920 --> 00:32:37,000 Speaker 1: To me, it's it's replacing my grandmother's wedding ring. It's 565 00:32:37,799 --> 00:32:41,000 it's the it's the moment. The family mementos that you 566 00:32:41,079 --> 00:32:45,000 cannot buy, but they mean the world to you. 567 00:32:45,960 --> 00:32:47,079 Speaker 2: That's sort of saying, have them. 568 00:32:47,960 --> 00:32:49,960 Speaker 6: Yeah, if you have them on displaying the house, or 569 00:32:49,960 --> 00:32:52,480 you know they're in a special drawer, you better make 570 00:32:52,519 --> 00:32:54,799 that list on where to grab them so that you 571 00:32:54,880 --> 00:32:59,000 remember them and you can grab them and go because 572 00:32:59,000 --> 00:33:02,160 I'll tell you when it it and your mind just panics, 573 00:33:02,160 --> 00:33:03,279 you won't remember everything. 574 00:33:03,400 --> 00:33:04,880 Speaker 4: Yeah, just don't. 575 00:33:05,640 --> 00:33:06,200 Speaker 2: It's worthy. 576 00:33:06,240 --> 00:33:08,960 Speaker 1: It's worthy to sit down with the family and say, 577 00:33:09,000 --> 00:33:12,119 so what should we put in our go bag? And 578 00:33:12,160 --> 00:33:17,079 you can't do too much and it can't be too heavy, 579 00:33:19,599 --> 00:33:22,279 So yeah, what do you take? 580 00:33:22,319 --> 00:33:23,039 Speaker 2: What do you leave? 581 00:33:23,079 --> 00:33:27,160 Speaker 1: But with today's technology, I don't think there's I think 582 00:33:27,200 --> 00:33:29,839 it's made it made it much easier. But again I 583 00:33:29,920 --> 00:33:33,839 go back to family jewelry and things like that that 584 00:33:34,039 --> 00:33:36,599 meant something. It was your mother's or your grandmother's or 585 00:33:37,759 --> 00:33:40,359 something your father gave you. You know, those sorts of 586 00:33:41,039 --> 00:33:43,279 things that are irreplaceable. 587 00:33:44,519 --> 00:33:47,440 Speaker 6: Sure, whatever is irreplaceable, whatever is important to you that 588 00:33:47,519 --> 00:33:48,559 you wish you would take. 589 00:33:48,640 --> 00:33:49,599 Speaker 5: You need to make. 590 00:33:49,440 --> 00:33:52,359 Speaker 6: Sure that you know where to grab them, you know, 591 00:33:53,079 --> 00:33:55,240 to remember them even if you haven't looked at them 592 00:33:55,240 --> 00:33:55,759 for a while. 593 00:33:56,160 --> 00:33:58,200 Speaker 2: But you, yeah, things quickly. 594 00:33:58,559 --> 00:34:01,519 Speaker 1: And the problem, the problem you can go problem with 595 00:34:01,599 --> 00:34:04,680 insurance is one of the callers said, you know you 596 00:34:04,799 --> 00:34:05,640 need to update it. 597 00:34:06,039 --> 00:34:07,640 Speaker 2: None of us. I don't. I'm guilty. 598 00:34:08,000 --> 00:34:10,519 Speaker 1: I don't want to update my insurance policy because I 599 00:34:10,559 --> 00:34:12,239 know if I call them and say, hey, I want 600 00:34:12,239 --> 00:34:14,440 to go over this with you, they'll say, oh, yeah, 601 00:34:14,480 --> 00:34:16,960 well we need to update that. That'll be an extra 602 00:34:18,079 --> 00:34:20,639 you know, they want more money for whatever it is. 603 00:34:20,679 --> 00:34:24,320 Speaker 6: But I mean, so all you have available to you 604 00:34:24,519 --> 00:34:26,280 is a states program. 605 00:34:26,639 --> 00:34:31,920 Speaker 1: Those people, yeah, no, that's yeah. But they also aren't 606 00:34:32,039 --> 00:34:35,079 they're worthless. I mean they're they're pretty much worthless. They 607 00:34:35,119 --> 00:34:38,480 don't pay very much and so I mean, so it's 608 00:34:38,480 --> 00:34:40,440 better than a poke in the eye, but that's about 609 00:34:40,639 --> 00:34:42,440 a little just tony bit better. 610 00:34:42,840 --> 00:34:44,639 Speaker 2: So yeah, but that's the problem. 611 00:34:44,719 --> 00:34:48,599 Speaker 1: The insurance companies are canceling people not because of who 612 00:34:48,679 --> 00:34:52,679 you are, you're a bad person, or your credit is bad. No, 613 00:34:52,719 --> 00:34:56,119 it's because of where you live, your zip code. 614 00:34:56,280 --> 00:34:58,320 Speaker 6: Uh huh, that's exactly correct. 615 00:34:58,840 --> 00:35:03,119 Speaker 1: So yeah, we got a look, I saw something. I 616 00:35:03,159 --> 00:35:06,760 got an article run here somewhere that has about the 617 00:35:06,840 --> 00:35:16,159 zip codes and Pacific Palisies and they have Yeah, they're 618 00:35:16,199 --> 00:35:18,760 cutting people off, there's no question about it. 619 00:35:20,599 --> 00:35:21,360 Speaker 2: We're on our own. 620 00:35:23,360 --> 00:35:23,599 Speaker 4: But no. 621 00:35:23,679 --> 00:35:29,119 Speaker 1: But but most people cannot self ensure. Wealthy wealthy, wealthy 622 00:35:29,119 --> 00:35:29,559 people do. 623 00:35:30,840 --> 00:35:32,679 Speaker 6: Yeah, And like you said, if you have a mortgage 624 00:35:32,760 --> 00:35:34,599 or alone against your house, you have to have that, 625 00:35:34,719 --> 00:35:37,360 even if you you know, let's put up a bond 626 00:35:37,440 --> 00:35:37,880 or something. 627 00:35:38,039 --> 00:35:40,559 Speaker 1: Well, that goes back to wealthy people. And I have 628 00:35:40,639 --> 00:35:44,280 some I have some wealthy friends and they they self 629 00:35:44,320 --> 00:35:48,159 insure and they don't have a mortgage, and so they 630 00:35:48,159 --> 00:35:51,760 put so much of their money away into some insurance 631 00:35:52,000 --> 00:35:55,679 investment account that they have and that's if something happens, 632 00:35:55,679 --> 00:35:56,679 the money is sitting. 633 00:35:56,440 --> 00:35:57,920 Speaker 2: There, they're fine. 634 00:35:58,519 --> 00:36:04,559 Speaker 1: Most people don't have that. Yeah, all right, Sandy, thanks, thanks, good, 635 00:36:04,719 --> 00:36:05,320 good advice. 636 00:36:05,360 --> 00:36:09,360 Speaker 2: I appreciate, appreciate the call. Where did I put that? 637 00:36:12,920 --> 00:36:18,840 Speaker 1: James Wood, the actor, he lives apparently in Pacific Palisades somewhere, 638 00:36:19,119 --> 00:36:25,679 and he's very much of an online guy. And he's 639 00:36:25,719 --> 00:36:32,800 talking about a lot of his neighbors are elderly retired 640 00:36:32,840 --> 00:36:36,920 people and could not get out, and he doesn't know 641 00:36:36,960 --> 00:36:40,920 what's happened to them. I'm looking for the insurance here 642 00:36:42,599 --> 00:36:46,840 because they are they go by zip code. I know 643 00:36:46,920 --> 00:36:49,800 in California, April of twenty twenty four, less than a 644 00:36:49,880 --> 00:36:57,000 year ago, Saint Farm canceled seventy two thousand policies because 645 00:36:57,000 --> 00:37:01,519 they've been burned by the literally burned by the wildfires 646 00:37:01,519 --> 00:37:05,840 that they've had in that state over the last dozen years. 647 00:37:05,679 --> 00:37:14,440 Speaker 2: Or so, and they're losing money. Well, we'll figure out 648 00:37:14,480 --> 00:37:18,719 Speaker 1: The specific Palisades amount, but we've got a few other 649 00:37:18,760 --> 00:37:19,800 things to cover as well.