WEBVTT

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<v Speaker 1>KFI AM six forty. You're listening to Dean Sharp The

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<v Speaker 1>House Whisper on demand on the iHeart Radio app KFI

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<v Speaker 1>AM six forty live streaming in HD everywhere on the

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<v Speaker 1>iHeartRadio App. Hey, welcome to home. I am Dean Sharp,

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<v Speaker 1>the House Whisper. I design custom homes, I build custom homes,

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<v Speaker 1>and for this weekend, as always, I am your guide

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<v Speaker 1>to better understanding that place where you live Today on

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<v Speaker 1>the program, Well, for those of us who live in

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<v Speaker 1>southern California, that place where we live is under the

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<v Speaker 1>ongoing threat and devastation of what has been now the

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<v Speaker 1>most costliest wildfires in United States history. We're going to

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<v Speaker 1>continue to cover those fires for you, of course through

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<v Speaker 1>the twenty four hour KFI Newsroom, but we'll also be

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<v Speaker 1>talking about them today on the show, specifically from my

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<v Speaker 1>perspective and what I can bring to the table for you.

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<v Speaker 1>We're going to be talking some about, especially this weekend

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<v Speaker 1>moving forward, what happens next when the fires are done

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<v Speaker 1>and they will end, but they are still burning. When

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<v Speaker 1>such devastation has been created by such a natural disaster,

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<v Speaker 1>where do you pick up and what comes next, especially

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<v Speaker 1>when it comes to your home or the total loss

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<v Speaker 1>of your home. For those of you who are listening,

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<v Speaker 1>and I know lots of people from all around the

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<v Speaker 1>country are listening, I hope that you hang with us

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<v Speaker 1>because there's a lot of application here. Specifically, of course

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<v Speaker 1>we're going to be talking about wildfires and its effect

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<v Speaker 1>on a home, but in the bigger scope of things,

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<v Speaker 1>much of what we'll discuss this weekend has to do

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<v Speaker 1>with any natural disaster and a response from residential perspective

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<v Speaker 1>after it has gone its way, whether it is a

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<v Speaker 1>hurricane or flood, a tornado, whatever the case may be.

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<v Speaker 1>Natural disasters have a way of resetting the clock in

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<v Speaker 1>a lot of things, and we're gonna be dealing with

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<v Speaker 1>that this morning. How soon can anybody get back to

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<v Speaker 1>these properties? What comes next? What are the next steps

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<v Speaker 1>after your home has been devastated, and how soon is

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<v Speaker 1>that rebuilding process? Is there a rebuilding process, and what

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<v Speaker 1>to expect through it out all of that and a

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<v Speaker 1>whole lot more, and of course you will find a

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<v Speaker 1>empathetic and an informative voice here, I hope, and we

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<v Speaker 1>will be taking calls as well, and of course again

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<v Speaker 1>I'm going to be talking about this as always with calls,

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<v Speaker 1>anything you want to talk about regarding your home today.

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<v Speaker 1>The number to reach me eight three to three two.

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<v Speaker 1>Ask Dean A three three the numeral two, Ask dean

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<v Speaker 1>eight three three two ask dean. Of course, I am

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<v Speaker 1>going to prioritize calls related to fire today, but we

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<v Speaker 1>will take calls on any subject whatsoever as we go

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<v Speaker 1>as we do. And that brings up an important point.

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<v Speaker 1>As devastating as these fires are, and they are, I

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<v Speaker 1>am in no way, shape or form going to make

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<v Speaker 1>light of them. One of the things I want you

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<v Speaker 1>to understand if you don't live in Southern California is

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<v Speaker 1>as you see national news coverage, it always tends to

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<v Speaker 1>happen this way. You know, it looks as though Los

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<v Speaker 1>Angeles is on fire. Southern California is on fire. It's

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<v Speaker 1>burning to the ground, and a large portion of our

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<v Speaker 1>home here is doing just that, and there is great devastation,

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<v Speaker 1>as we will review in the updated stats here in

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<v Speaker 1>just a bit. However, if you don't understand LA or

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<v Speaker 1>the La Orange County San Bernardino area, the greater Los

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<v Speaker 1>Angeles metroplex, or what I just tend to refer to

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<v Speaker 1>as southern California, if you don't understand if you haven't

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<v Speaker 1>visited and you haven't really understood the scope of what

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<v Speaker 1>life is like here, if you're from a traditional town

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<v Speaker 1>or traditional city, then one of the things that is

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<v Speaker 1>easy to misunderstand when you're looking at national news coverage

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<v Speaker 1>of what's going on here is these fires are massive

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<v Speaker 1>and yet at the same time, most, the vast majority

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<v Speaker 1>of Los Angeles and Orange County and San Bernardino County

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<v Speaker 1>residents are unaffected directly by these fire Southern California, if

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<v Speaker 1>you want to call it this southern the Southern California,

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<v Speaker 1>the Greater Los Angeles metropolitan area, if we just take

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<v Speaker 1>the LA name and apply it to the continuous urban

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<v Speaker 1>sprawl essentially that is here in southern California, it is

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<v Speaker 1>roughly one hundred miles from north to south and one

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<v Speaker 1>hundred miles from east to west. Okay, that is a massive,

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<v Speaker 1>massive metropolitan area. These fires have affected tens of thousands

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<v Speaker 1>of acres. But just understand for those of us here

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<v Speaker 1>that there are most areas in Southern California are completely safe.

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<v Speaker 1>But we have all all of us emotionally and all

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<v Speaker 1>of us indirectly been affected by these fires. And so

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<v Speaker 1>we are going to continue to focus on them as

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<v Speaker 1>we go. Let me enter you shoot to our awesome team.

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<v Speaker 1>Sam of course is on the board. How are you doing, Sam,

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<v Speaker 1>I'm okay, brother, It's good to hear your voice. It's

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<v Speaker 1>good to be here as well. UH produced. There's our

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<v Speaker 1>almost live studio audience. UH producer Richie is standing by

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<v Speaker 1>already screening calls. The call of the phone lines are

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<v Speaker 1>open again. Eight three three two. Ask dean eight three

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<v Speaker 1>to three the numeral two ass Dean Eileen Gonzalez of

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<v Speaker 1>course on the due's desk. Good morning, Eileen, good morning.

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<v Speaker 2>Good to hear your voice and your sunshiny attitude is

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<v Speaker 2>much needed today.

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<v Speaker 1>Well, we're going to do our best. We're going to

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<v Speaker 1>do our best. We're not going to look through this

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<v Speaker 1>situation with any rose colored glasses, but we're going to

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<v Speaker 1>bring everybody as much comfort and information as we can

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<v Speaker 1>along the way. How are you any issues with where

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<v Speaker 1>you're at in regards to the fires.

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<v Speaker 2>I'm lucky, I'm I'm near Uh, I'm near Marina del Rey,

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<v Speaker 2>so I'm in a safe zone. But the smoke has

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<v Speaker 2>been pretty bad and I'm definitely feeling that.

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<v Speaker 1>Oh, no doubt, no doubt. So Marina del Rey, down

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<v Speaker 1>south of Santa Monica and just a few miles from

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<v Speaker 1>the fire, but a few miles, it's a lot of that.

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<v Speaker 1>That's a big distance and south. But the winds have

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<v Speaker 1>been blowing essentially south since this thing started, so you've

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<v Speaker 1>basically received all the smoke. See I live, I probably

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<v Speaker 1>my home is probably as close, if not closer in

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<v Speaker 1>proximity as the crow flies to the fire. But this

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<v Speaker 1>fire started with those heavy, heavy, crazy southern wind, southern

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<v Speaker 1>south pound wind and h and so there has been

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<v Speaker 1>no smoke in the Canao Valley, no blue skies, no,

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<v Speaker 1>not even a trace of it, because it's all been

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<v Speaker 1>blowing your way.

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<v Speaker 2>You guys may hear it in my voice today, just yeah, exactly, yeah,

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<v Speaker 2>I know a lot of people that lost their homes.

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<v Speaker 2>And yeah it's very very yeah.

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<v Speaker 1>Same here, same here, all right. Sitting across the table

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<v Speaker 1>from me, my better half, my design partner, my best

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<v Speaker 1>friend in all the world, who is celebrating something today.

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<v Speaker 1>I don't even know what, but she's got something going on.

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<v Speaker 1>Oh it's the National Elephant Day.

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<v Speaker 2>Today is your birthday? What it is? Happy birthday to

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<v Speaker 2>you know?

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<v Speaker 1>All right? Well, yeah, it's not the greatest weekend to

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<v Speaker 1>have a birthday, and so cal I gotta tell you,

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<v Speaker 1>but you know what, I'm grateful. I'm grateful that we're here.

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<v Speaker 1>All right, y'all. Here's the thing. Let's have some news

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<v Speaker 1>for my leen, and when we come back, let's get

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<v Speaker 1>an update on all of the fires and then begin

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<v Speaker 1>a conversation a little different than the ones that you've

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<v Speaker 1>been hearing through the rest of the week, because you know,

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<v Speaker 1>it's me, and we're going to be talking about homes

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<v Speaker 1>and structures and also rebuilding and what does that mean

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<v Speaker 1>all of that and more. Yafi Dean Sharp the House Whisper,

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<v Speaker 1>Welcome home. Thanks for joining us this early early Saturday morning,

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<v Speaker 1>a few minutes before six thirty. We rent long in

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<v Speaker 1>our opening segment because I wanted to sort of lay

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<v Speaker 1>out where we're going this weekend on our program. Here

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<v Speaker 1>this morning and tomorrow, we're going to be talking about

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<v Speaker 1>wildfires from a house Whisper perspective, hopefully adding to the

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<v Speaker 1>conversation not just repeating updates and which, of course we're

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<v Speaker 1>going to do, but also contributing to a broader conversation

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<v Speaker 1>about where do we go from here as these fires

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<v Speaker 1>will eventually of course, be snuffed out, and then the

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<v Speaker 1>swath of Devas station that they have left in their path.

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<v Speaker 1>What do we do, especially when entire It's one thing

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<v Speaker 1>to say, oh, I had fire damage on my house.

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<v Speaker 1>It's something entirely different to say that an entire neighborhood

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<v Speaker 1>or a region of homes has been destroyed. What happens then?

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<v Speaker 1>Is there a rebuild? Who rebuilds? When will we rebuild?

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<v Speaker 1>And so on? So we're going to have that unique

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<v Speaker 1>perspective and take on that as we move along this morning.

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<v Speaker 1>But I do want to say this. I went long

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<v Speaker 1>in the first segment just to get to all of

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<v Speaker 1>that information in and to have an extended conversation with

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<v Speaker 1>the team and the crew here. And we're up against

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<v Speaker 1>another short break, another short break right now, and when

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<v Speaker 1>we return, we'll get back on our regular cycle here

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<v Speaker 1>and dive into this conversation. Does that sound good?

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<v Speaker 2>Good?

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<v Speaker 1>We will start with an update of everything that we

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<v Speaker 1>know about all of the fires here in southern California.

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<v Speaker 3>You're listening to Home with Dean Sharp on demand from

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<v Speaker 3>KFI AM six.

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<v Speaker 1>Forty five AM six forty live streaming in HD everywhere

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<v Speaker 1>on the iHeartRadio app. Dean Sharp the house whisper with

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<v Speaker 1>you on this smoky southern California Saturday morning here in

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<v Speaker 1>the wee hours of January eleventh, twenty twenty five. We

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<v Speaker 1>are still battling several wildfires on several fronts, and we're

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<v Speaker 1>going to be discussing them with you here on the

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<v Speaker 1>program today. I'm going to give you my ongoing input

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<v Speaker 1>and perspective answering now the question not so much how

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<v Speaker 1>do we defend against this? Because they're here. They're here now.

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<v Speaker 1>I will, of course, over the course of today and

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<v Speaker 1>tomorrow be reviewing with you the things that you can

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<v Speaker 1>do to harden your home against these kinds of events.

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<v Speaker 1>But I also want to take this weekend and specifically

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<v Speaker 1>focus on where do you go after a disaster like this?

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<v Speaker 1>How do you move forward in regards to your home,

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<v Speaker 1>everything from what to expect on the insurance level to

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<v Speaker 1>the city level, municipalities, neighborhood responses, infrastructure, and so on.

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<v Speaker 1>So we're going to do as much as we can.

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<v Speaker 1>Phone lines are also open, by the way, and if

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<v Speaker 1>we have the opportunity, and I'm hoping to take calls

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<v Speaker 1>and as always, anything you need and want to talk

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<v Speaker 1>about your home today. I am going to prioritize fire calls,

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<v Speaker 1>but honestly, wouldn't it be just a great relief to

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<v Speaker 1>spend a few minutes talking to somebody about a problem

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<v Speaker 1>with their home that is unrelated to it burning to

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<v Speaker 1>the ground. So whatever our opportunities are, will take those

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<v Speaker 1>calls as they come. The number to reach me eight

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<v Speaker 1>three three, to ask dean eight three three, the numeral

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<v Speaker 1>two acidine foe lines are open now. Producer Richie standing by.

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<v Speaker 1>He'll tell you everything you need to know. Pop you

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<v Speaker 1>into the queue and hopefully we can put our heads

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<v Speaker 1>together and figure out what's going on with your home.

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<v Speaker 1>And of course, ongoing coverage from the KFI twenty four

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<v Speaker 1>hour newsroom. We've got Eileen Gonzalez with us this morning

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<v Speaker 1>at the tip of that spear, and she will keep

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<v Speaker 1>us informed about any immediate up dates and breaking news

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<v Speaker 1>in regards to the fire. Let's do a quick update

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<v Speaker 1>of what we know so far. There are multiple fires burning.

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<v Speaker 1>Here is the latest. I believe these are the latest numbers,

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<v Speaker 1>If not directly on the nose, they're very very close

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<v Speaker 1>The Palisades Fire, of course, the largest of all of

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<v Speaker 1>the fires that we've been dealing with here. Currently eight

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<v Speaker 1>percent contained, the blaze has burned through more than twenty

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<v Speaker 1>one thousand acres in and around Pacific Palisades. The current

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<v Speaker 1>count of structures either affected or destroyed I believe is

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<v Speaker 1>over fifty three hundred structures since Tuesday, and currently the

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<v Speaker 1>fire is now spreading toward Brentwood, so it is making

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<v Speaker 1>an eastward journey now along the hills up above Sunset

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<v Speaker 1>Boulevard and moving eastward as opposed to pushing as far south,

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<v Speaker 1>which has been its primary direction up until these wind

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<v Speaker 1>events calm down, And of course we have more wind

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<v Speaker 1>events coming anticipated in this next week, so it's very

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<v Speaker 1>very important during this lull right now in the wind

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<v Speaker 1>that these fires get as contained as they possibly can

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<v Speaker 1>be before the wind starts kicking up again. But the

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<v Speaker 1>Palisades eight percent contained currently and moving eastward toward the

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<v Speaker 1>Brentwood area. The Eton Fire three percent contained, affecting of

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<v Speaker 1>course Pasadena, Altadena Sierra Madre fourteen thousand, a little over

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<v Speaker 1>fourteen thousand acres currently. Some are saying as many as

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<v Speaker 1>seven thousand structures have been damaged or destroyed by that

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<v Speaker 1>fire as well. Looking down into these heavily lived in

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<v Speaker 1>neighborhood areas. The Kenneth fire fifty percent contained. That is

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<v Speaker 1>the one that just started up on Friday, or was

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<v Speaker 1>it Thursday Thursday? Thursday Thursday, Calabasas Hidden Hills area fifty

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<v Speaker 1>percent contained and from what has been reported to me,

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<v Speaker 1>on certain fronts, on certain critical fronts, no forward movement

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<v Speaker 1>for movement has been blocked on its most critical front,

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<v Speaker 1>so that's good news. In regards to the Kenneth fire.

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<v Speaker 1>The Lydia fire was Antelope Valley area ninety eight percent contained.

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<v Speaker 1>It burned through three hundred and ninety five acres. The

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<v Speaker 1>Hurst fire in the north area of the San Fernando

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<v Speaker 1>Valley seven hundred and seventy one acres seventy percent contained.

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<v Speaker 1>Good news there as well. And the Archer fire, which

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<v Speaker 1>is new, that's a blaze that broke out Friday morning,

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<v Speaker 1>yesterday morning in the Granada Hills area. We're looking at

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<v Speaker 1>twenty plus acres so far, zero percent containment on that

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<v Speaker 1>new bust out fire in the Granada Hills area. And

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<v Speaker 1>the Sunset fire which flared up as far as we

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<v Speaker 1>can tell, I mean, my assumption was the Sunset fire

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<v Speaker 1>was not being set by somebody else or a down

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<v Speaker 1>power line. My assumption was the Sunset Fire was a

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<v Speaker 1>spot fire that happened as a result of embers traveling

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<v Speaker 1>from Palisades. I don't have that confirmed. That was my assumption,

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<v Speaker 1>but the Sunset Fire in the Hollywood Hills one hundred

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<v Speaker 1>percent contained as of Thursday evening, according to CalFire. All

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<v Speaker 1>in all, more than twelve thousand structures damaged or destroyed. Currently,

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<v Speaker 1>eleven deaths have been counted. It's anticipated that more will

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<v Speaker 1>will come or at least be realized, as these fires

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<v Speaker 1>are contained and the areas are surveyed. And as of now,

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<v Speaker 1>these Los Angeles area wildfires specifically amount to the costliest

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<v Speaker 1>wildfire disaster not in Los Angeles history, but in US history,

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<v Speaker 1>in US history. So let me begin with this. I

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<v Speaker 1>think this is where all of this should begin. Appreciation

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<v Speaker 1>on my part from all of the brave, dedicated men

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<v Speaker 1>and women who have been tirelessly fighting these fires and

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<v Speaker 1>who do all the time. I know we have in

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<v Speaker 1>the last couple of decades. Ever, since nine to eleven,

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<v Speaker 1>we have all kind of culturally been accustomed to seeing

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<v Speaker 1>a member of the US Armed Services and thanking them

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<v Speaker 1>for their service, which I think is a great thing

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<v Speaker 1>a great thing as well as police, but absolutely if

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<v Speaker 1>you live in southern California, it is time to let

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<v Speaker 1>those words trip out over your tongue every time you

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<v Speaker 1>see somebody who works for one of our first responding

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<v Speaker 1>firefighting agencies, to thank them for their service. Appreciation also

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<v Speaker 1>for all of the cooperation and out of area fire

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<v Speaker 1>services who've rushed in to assist. Tina and I were

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<v Speaker 1>actually coming down. We had spent a little time on

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<v Speaker 1>Thursday morning up in the Santa Barbar area, and when

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<v Speaker 1>we came back down, we thought we would go and

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<v Speaker 1>simply do a little bit surveying on behalf of the

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<v Speaker 1>station for what we could see on pch We get

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<v Speaker 1>all the way down to Pepperdine and it wasn't looking

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<v Speaker 1>good there at the time. But at the Zuoma Beach

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<v Speaker 1>Command Center, which the entire parking lot at Zuma has

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<v Speaker 1>been you know, taken over by firefighting agencies as a

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<v Speaker 1>command center, as a little relief station and so on,

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<v Speaker 1>it was really heartening to see the just the mass

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<v Speaker 1>hundreds of firefighting vehicles and equipment there, but really heartening

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<v Speaker 1>to see that the where they came from. It you're

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<v Speaker 1>reading the doors and the sides of these fire engines

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<v Speaker 1>and tankers and the trailers with bulldozers and Caterpillar firefighting

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<v Speaker 1>equipment on it. Equipment from cities and counties from all

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<v Speaker 1>over California, as you could imagine, but up and down California,

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<v Speaker 1>from every corner of this state. There every city, every

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<v Speaker 1>county represented, and then as well as out of state

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<v Speaker 1>firefighting agency. We saw equipment from Arizona, from Oregon, from

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<v Speaker 1>Washington State, from Idaho. I'm sure there are some that

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<v Speaker 1>I'm not mentioning, but that's what comes to mind, and

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<v Speaker 1>it was just it was heartening. And if there's a

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<v Speaker 1>way to touch a positive note here, a silver lining

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<v Speaker 1>as it were, to a natural disaster, I think it's

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<v Speaker 1>that the idea that the way that people can pull

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<v Speaker 1>together and help each other for a time, for a time,

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<v Speaker 1>if there's a silver lining to a disaster, the immediacy

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<v Speaker 1>of the threat and the need can bring out and

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<v Speaker 1>does often bring out the very best in people. Now,

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<v Speaker 1>of course, for those who have comfortable, safe vantage points,

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<v Speaker 1>these events are already being criticized and politicized. That's not

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<v Speaker 1>going to happen here with me this morning, today or tomorrow,

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<v Speaker 1>this episode, this or the next on the podcast. Not

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<v Speaker 1>interested in that, don't go there, not gonna That's not

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<v Speaker 1>my game. I'm here to talk to you about what

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<v Speaker 1>happens next and how we can help get you through it.

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<v Speaker 1>But but, and so, of course, of course, the further

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<v Speaker 1>you are away from these fires, the more you hear

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<v Speaker 1>all sorts of criticism, the politicizing of the events, and

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<v Speaker 1>that's just going to continue, you know that's the case.

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<v Speaker 1>But for the countless people who are in it, for

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<v Speaker 1>the tens of thousands of people who have been evacuated,

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<v Speaker 1>for the thousands and thousands of people who've lost their homes,

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<v Speaker 1>for all of the firefighters on the front lines, for

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<v Speaker 1>the volunteers who show up with food and water and blankets,

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<v Speaker 1>for the neighbors who show up offering shelter and opened

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<v Speaker 1>arms and kind words, and for the friends and family

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<v Speaker 1>from all over, just a big shout out of appreciation.

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<v Speaker 1>And again, if there's a place that you can turn

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<v Speaker 1>your heart and mind to when it's frustrated and confused

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<v Speaker 1>and stressed from all of the fear and anxiety of

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<v Speaker 1>the disaster itself, it is it's heartening, heartening to see

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<v Speaker 1>human beings act like the best of human beings in

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<v Speaker 1>times like this. All right, what happens next? Let's talk

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<v Speaker 1>a little bit about FEMA. Let's talk a little bit

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<v Speaker 1>about the steps that will happen as we move forward,

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<v Speaker 1>and this fire will we'll tackle that. Okay, if I

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<v Speaker 1>Dean sharp the house whisper, welcome home. We are discussing

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<v Speaker 1>on going coverage of the southern California Los Angeles area

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<v Speaker 1>fires from our unique perspective here in regards to homes,

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<v Speaker 1>and from our expertise as designers and builders of homes.

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<v Speaker 1>I'm going to continue that conversation today and tomorrow. Also

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<v Speaker 1>we may be going to the phones. I hope we

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<v Speaker 1>will be going to the phones. There's certain info I

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<v Speaker 1>know I want to get out for you, especially this morning.

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<v Speaker 1>And then we will and as always, we can talk

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<v Speaker 1>about fire, we can talk about the current situation. We

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<v Speaker 1>can talk about anything regarding your home. A three three two,

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<v Speaker 1>ask Dean is the number to reach me? The phones

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<v Speaker 1>are open. Producer Richie is there. He'll take your call,

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<v Speaker 1>tell you what you need to know, pop you into

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<v Speaker 1>the queue. All right, As we continue to discuss where

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<v Speaker 1>we're at here, So I want to turn the corner

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<v Speaker 1>and ask this question, how does an entire neighborhood rebuild.

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<v Speaker 1>That's a tricky situation. It adds multiple, multiple layers of

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<v Speaker 1>complexity to a fire story. It's one thing for a

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<v Speaker 1>home to be to have experienced fire damage, a house fire,

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<v Speaker 1>two or three houses in a street, or a neighborhood

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<v Speaker 1>to be touched by fire, or an open space wildfire.

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<v Speaker 1>These fires are all of the above, and they have,

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<v Speaker 1>as you know by now, devastated multiple multiple blocks of

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<v Speaker 1>entire neighborhoods.

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<v Speaker 3>And so.

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<v Speaker 1>How do we start there? How do you restart there?

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<v Speaker 1>After an entire town is destroyed by a fire, Where

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<v Speaker 1>does the money come from to help people rebuild? To

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<v Speaker 1>help people rebuild their homes, their schools, their businesses.

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<v Speaker 2>Well.

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<v Speaker 1>Of course, immediate help will be provided by agencies like

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<v Speaker 1>Red Cross and dozens of volunteers who are there to

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<v Speaker 1>provide everything from shelter, clothing, food, help with animals, which

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<v Speaker 1>is a big thing that happens behind the scenes here.

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<v Speaker 1>For example, you know dozens of recovered animals have already

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<v Speaker 1>been relocated in these fires through the work of SBCA

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<v Speaker 1>County shelters, volunteer organizations working with animals. And then you

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<v Speaker 1>hear FEMA fear a lot about FEMA. I was on

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<v Speaker 1>with Conway on Thursday night, and rightly so. Conway was

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<v Speaker 1>directing all sorts of people who are listening to make

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<v Speaker 1>sure that you have, if you have been affected by

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<v Speaker 1>the fires, that you have contacted FEMA and have gotten

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<v Speaker 1>on the list. Okay. FEMA, SBA, the Small Business Administration,

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<v Speaker 1>they are on the ground in fires like these. Grants

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<v Speaker 1>are issued by FEMA for immediate needs.

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<v Speaker 2>Okay.

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<v Speaker 1>FEMA is not there to rebuild your home. FEMA is

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<v Speaker 1>there in order to see that people are safe and

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<v Speaker 1>sound and that immediately, to whatever degree possible, those immediate

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<v Speaker 1>needs can be helped.

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<v Speaker 2>Okay.

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<v Speaker 1>So FEMA SBCA provides low interest loans to individuals and

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<v Speaker 1>businesses for rebuilding after the fact. However, let's just be

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<v Speaker 1>super clear about this. The bulk of recovery is intended

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<v Speaker 1>and is going to fall on private insurance. Okay, And

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<v Speaker 1>that's tough. That is tricky, and it's tough. There's also

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<v Speaker 1>assistance for those who are now unemployed or are of

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<v Speaker 1>lost significant work time due to the fires. But the

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<v Speaker 1>problem with insurance is that many are not insured at

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<v Speaker 1>all or significantly underinsured when it comes to these events,

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<v Speaker 1>and there are folks who are going to be battling

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<v Speaker 1>their insurance companies for months and years to come. I wish,

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<v Speaker 1>I wish I could give you a brighter picture regarding that,

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<v Speaker 1>but that's simply the case. So for those of you

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<v Speaker 1>who have not been touched yet by a natural disaster

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<v Speaker 1>or fire, the lesson here is to make sure you

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<v Speaker 1>understand how you are insured and that you have, if

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<v Speaker 1>at all possible when it comes to natural disasters, replacement coverage. Okay, yes,

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<v Speaker 1>replacement cost coverage costs more, But of course, as in

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<v Speaker 1>most things, the heaviest burden is going to be falling

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<v Speaker 1>on those with the least amount of money, and in

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<v Speaker 1>situations like this, the poor and those who are under

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<v Speaker 1>insured and who have minimal amounts of money, many of

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<v Speaker 1>them are never going to recover from these fires financially,

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<v Speaker 1>in terms of recouping their losses. These are the realities

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<v Speaker 1>on the ground. So first line of defense, of course,

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<v Speaker 1>get safe, get relocated. We'll talk about that when we

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<v Speaker 1>come back. How about that. Okay, more coverage on these

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<v Speaker 1>southern California fires from the house whispers perspective here on KFI.

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<v Speaker 1>You're listening to KFI

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<v Speaker 3>You're listening to Home with Dean Sharp on demand from

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<v Speaker 3>KFI AM six forty
