WEBVTT

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<v Speaker 1>You're listening to Home with Dean Sharp on demand from

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<v Speaker 1>KFI AM six forty.

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<v Speaker 2>Am six forty live streaming in eighth D everywhere on

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<v Speaker 2>the iHeartRadio app. Dean Sharp the house Whisper live with

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<v Speaker 2>you this smoky Saturday morning here in Southern California, live

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<v Speaker 2>every Saturday and Sunday morning. Follow us on social media.

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<v Speaker 2>We only do the good kind, I promise, the uplifting, informative,

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<v Speaker 2>inspiring kind of social media. We're on Instagram, TikTok, Facebook x,

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<v Speaker 2>Home with Dean, same handle for all of them. While

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<v Speaker 2>you're there, follow us, look at a few videos, share

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<v Speaker 2>some around with your friends. And of course this very

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<v Speaker 2>program also the house Whisper podcast that you can listen

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<v Speaker 2>to anytime, anywhere on demand, hundreds of episodes, all searchable

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<v Speaker 2>by topic. It is your home improvement reference live library.

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<v Speaker 2>And if your home is in need of a more

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<v Speaker 2>personal house Whisper attention you. Yes, you can book an

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<v Speaker 2>in home design consult with me. Yes, me and the

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<v Speaker 2>tea here.

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<v Speaker 1>Uh.

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<v Speaker 2>Just go to house Whisper dot Design for more information.

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<v Speaker 2>You can fill out our contact sheet there house Whisper

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<v Speaker 2>dot Design for an in home design consult for your

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<v Speaker 2>home all right, we are, yes, continuing our coverage here

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<v Speaker 2>at KFI of the California wildfires here in a Los

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<v Speaker 2>Angeles area. We're taking a particular perspective. I want to

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<v Speaker 2>talk to you about where we go from here? Where

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<v Speaker 2>do we go from here? So let me ask this

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<v Speaker 2>question or pose this thought as it were. Let me

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<v Speaker 2>pull up my note here. If you've lost your home

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<v Speaker 2>or business in these wildfires, what are the steps? Where

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<v Speaker 2>do you go? Okay? Well, obviously, as I said before

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<v Speaker 2>the break, the immediate concerns have to be addressed. You've

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<v Speaker 2>got to get out, you've got to get safe, you've

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<v Speaker 2>got to get to yourself temporary relocated. You need to

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<v Speaker 2>get fed, you need medical attention if necessary, and you

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<v Speaker 2>need to breathe and take a breath. And that's happening

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<v Speaker 2>all over the area right now. And that's what these

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<v Speaker 2>volunteer organizations and outposts, it's what the Red Cross, it's

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<v Speaker 2>what FEMA is here to help with. In the short term.

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<v Speaker 2>You need to be on the FEMA list. You need

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<v Speaker 2>to contact FEMA and make sure that they're aware of

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<v Speaker 2>you and your property, especially if it has been destroyed,

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<v Speaker 2>so know that you're a part of that and get

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<v Speaker 2>on that list next and they'll offer you some invaluable

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<v Speaker 2>advice as well. Next step got to call your insurance company. Now,

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<v Speaker 2>it doesn't have to be a long drawn out process

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<v Speaker 2>right now, it's going to be. It is going to be. Unfortunately.

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<v Speaker 2>We'll talk more on that, but for now, you need

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<v Speaker 2>to call your insurance company and you need to file

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<v Speaker 2>a claim. And that process is it's like I said,

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<v Speaker 2>it's going to be long and drawn out. But what

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<v Speaker 2>if I need relieve right now, Dean? What can I expect? Well,

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<v Speaker 2>here's the thing. If your house is has been completely

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<v Speaker 2>destroyed or radically affected by this, and what's the difference. Well,

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<v Speaker 2>you know you've heard some stories of people are like,

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<v Speaker 2>I can't believe my house survived. You know, it's the

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<v Speaker 2>only house standing in a two block radius, but my

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<v Speaker 2>house was, for whatever reason, untouched. There are some of

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<v Speaker 2>those stories dotted across you know, the great swath that

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<v Speaker 2>the fire has taken, or these fires have taken. But

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<v Speaker 2>that doesn't put them in an optimal situation either. If

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<v Speaker 2>the entire neighborhood is burned down around you, you shouldn't

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<v Speaker 2>be in that house. You're going to be surrounded by

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<v Speaker 2>toxic ash. And debris from not just you know, wildfire

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<v Speaker 2>burning is one thing. Homes burning with chemicals and being

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<v Speaker 2>released and now being exposed to the atmosphere around you.

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<v Speaker 2>Just because your house has been skipped by a fire

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<v Speaker 2>does not mean that house should be inhabited in most cases,

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<v Speaker 2>Also the local utilities, the infrastructure.

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<v Speaker 1>Is there even water coming to the property?

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<v Speaker 2>Is that water pottible at this point or does it

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<v Speaker 2>need to be boiled or is there just a no

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<v Speaker 2>boiled to just get out until we resolve it. As situations,

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<v Speaker 2>so just because a property survives and the other outlook

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<v Speaker 2>on that, by the way, is that okay? So your

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<v Speaker 2>house is still standing, smoke damage in that house, no doubt,

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<v Speaker 2>when every other house around you has burnt down. Also,

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<v Speaker 2>in the months to come, you're going to be in

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<v Speaker 2>a very lonely place. You're going to be surrounded by

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<v Speaker 2>a massive cleanup activity, and then you'll be surround you'll

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<v Speaker 2>find yourself in the middle of a massive reconstruction. So

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<v Speaker 2>the peace and quiet of your days is going to

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<v Speaker 2>be replaced with the rebuilding around you, if in fact,

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<v Speaker 2>there is rebuilding around you. So there are concerns across

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<v Speaker 2>the board. That is the lesson to take away whether

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<v Speaker 2>a house is standing or whether a house has been destroyed.

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<v Speaker 2>If your house, though, has been completely destroyed in the

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<v Speaker 2>event that resulted in a state of emergency being declared

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<v Speaker 2>in California, which these fires obviously have been, then your

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<v Speaker 2>insurance company here me Now, your insurance company is required

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<v Speaker 2>to immediately pay you a minimum of one third of

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<v Speaker 2>the estimated value of your personal belongings known as contents,

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<v Speaker 2>and a minimum of four months worth of rent for

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<v Speaker 2>the local area in which you live. This is the

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<v Speaker 2>most important immediate first step part of relief for you now,

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<v Speaker 2>since you are out of your home, and if your

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<v Speaker 2>home no longer is okay, the reason to file a

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<v Speaker 2>claim immediately is to take advantage of those factors so

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<v Speaker 2>that you can get yourself first priority, settled and relocated,

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<v Speaker 2>because I guarantee you there will even if the plan

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<v Speaker 2>is to rebuild, there will be no getting back to

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<v Speaker 2>that property for months and months ahead. Okay, that is

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<v Speaker 2>just simply the harsh reality of that. And so first

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<v Speaker 2>priority finding a place to settle in, to relocate, to breathe,

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<v Speaker 2>to rest, and then to take further steps. And we'll

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<v Speaker 2>talk about those further steps right on the other side.

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<v Speaker 2>KFI in charp the house whisper at your service.

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<v Speaker 1>Good Saturday morning to you.

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<v Speaker 2>I hope it is a better Saturday morning for you

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<v Speaker 2>than for many who have been affected by these fires

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<v Speaker 2>in the greater Los Angeles area. Here we are here

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<v Speaker 2>covering that, of course, with the KFI twenty four hour

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<v Speaker 2>news room, Ailing Gonzalez is on hand, taking the tip

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<v Speaker 2>of the spear and reporting all of the updates as

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<v Speaker 2>we go, So for more information, stay tuned. We're the

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<v Speaker 2>place to be, We're the place to listen to it.

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<v Speaker 2>What am I doing on the show today, specifically in

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<v Speaker 2>regards to these fires today and tomorrow, I'm trying to

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<v Speaker 2>address some of the larger questions, none of the politics,

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<v Speaker 2>none of the criticisms. I'm talking about you and your home,

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<v Speaker 2>and for those of you who have not fortunately been

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<v Speaker 2>affected by these fires, we will be discussing again how

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<v Speaker 2>to fire harden your home, what are the best short

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<v Speaker 2>term and long term things to do. But I'm also

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<v Speaker 2>speaking to those who have been affected by a natural disaster,

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<v Speaker 2>and if you're listening to us nationwide, these principles apply

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<v Speaker 2>regardless of the nature of the natural disaster, but specifically

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<v Speaker 2>here in southern California. The fires that affect have affected

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<v Speaker 2>very much the last week and are going to affect

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<v Speaker 2>many many lives for months and years to come as

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<v Speaker 2>a result. Now, I was just saying this, and I

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<v Speaker 2>want to finish this thought and then we're going to

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<v Speaker 2>go to the phones because we've got some calls that

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<v Speaker 2>I want to take related to the fire. I had

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<v Speaker 2>mentioned to you that after you're safe, after you're out

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<v Speaker 2>of the zone, after health, immediate can concerns are taken

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<v Speaker 2>care of, you know, food, shelter and clothing, that kind

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<v Speaker 2>of stuff. Getting resettled is going to be really, really

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<v Speaker 2>key because it's a long road ahead to rebuild. If

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<v Speaker 2>your house I'm going to repeat this has been completely

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<v Speaker 2>destroyed in an event that is a State of California

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<v Speaker 2>emergency declaration event like this one is, then your insurance

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<v Speaker 2>company is required to immediately pay you a minimum of

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<v Speaker 2>a third of the estimated value of your personal belongings

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<v Speaker 2>also known as your contents, and a minimum of four

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<v Speaker 2>months worth of rent for the local area in which

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<v Speaker 2>you live. And yeah, those payments are required of the

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<v Speaker 2>insurance company whether an adjuster has inspected the home or not.

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<v Speaker 2>And so don't be sitting there thinking in ignorance. Well, okay,

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<v Speaker 2>that's great, but what do I do now, because no

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<v Speaker 2>one's allowed in the neighborhood where house burned out, So

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<v Speaker 2>an insurance adjuster can't get in there and inspect it

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<v Speaker 2>and start my claim. No, no, you start your claim

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<v Speaker 2>with the insurance company, and if your home has been

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<v Speaker 2>destroyed in this event, then you are entitled to that

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<v Speaker 2>whether or not an adjuster has inspected your home at

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<v Speaker 2>the moment. You can also ask your insurance provider for

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<v Speaker 2>cash advances for living expenses such as renting furniture, and

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<v Speaker 2>if you didn't know, there are companies that can come

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<v Speaker 2>to your temporary home furnish it right down to the

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<v Speaker 2>towels and sheets and kitchen utensils if necessary. There is

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<v Speaker 2>next steps, but our next step right now is to

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<v Speaker 2>see if we can take a couple of calls. I

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<v Speaker 2>want to talk to Jeannette. Hey, Jeannette, welcome home.

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<v Speaker 3>Hi Dean.

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<v Speaker 4>I live in the foothills in North Fantana. Santa Anna's

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<v Speaker 4>beautiful hill. But now I look at it and I

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<v Speaker 4>see fuel. A month or so ago, you were talking

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<v Speaker 4>about fire windows. I'm wondering if you can give a

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<v Speaker 4>list or put on your on your website a list

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<v Speaker 4>of reputable companies that I can get estimates from because

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<v Speaker 4>they are expensive, but I'm looking at it as an

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<v Speaker 4>investment to protect the house.

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<v Speaker 2>Okay, So let me respond to that, and I'm not

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<v Speaker 2>I won't publish a list. And the reason is Jeannette,

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<v Speaker 2>because every major window manufacturer makes fire windows. But let

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<v Speaker 2>me explain what this is, okay, A fire rated window. Okay,

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<v Speaker 2>So when you say, when you come to a window

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<v Speaker 2>manufacturer and say I need fire windows because I live

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<v Speaker 2>in a wildlife urban interface and I'm you know, required

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<v Speaker 2>or I'm volunteering to do this for my home.

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<v Speaker 1>So what this is.

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<v Speaker 2>Essentially, the difference between a fire rated window and a

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<v Speaker 2>standard window is the glass.

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<v Speaker 1>Okay.

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<v Speaker 2>The lass is a tempered glass in a fire rated

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<v Speaker 2>window versus standard annealed glass. It's not about the frame,

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<v Speaker 2>it's not about the sashes, it's not about it's not

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<v Speaker 2>about anything else. It is about the glass. A large

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<v Speaker 2>proportion of property damage that occurs in a house, as

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<v Speaker 2>far as the way a fire enters a home, the

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<v Speaker 2>primary the two primary methods by which a fire enters

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<v Speaker 2>a home are embers. As we've talked about exhaustively, and

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<v Speaker 2>will continue to here on the program. Embers getting into

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<v Speaker 2>attics through vents and so on. But window openings, the

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<v Speaker 2>penetrations in our home, the holes in our walls, essentially

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<v Speaker 2>is the next primary way that a fire enters. Now

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<v Speaker 2>that's not embers. What that is is when the fire

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<v Speaker 2>line itself, when the fire actually reaches the the you know,

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<v Speaker 2>the the foot of our walls. Here is what happens.

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<v Speaker 2>Annealed glass. And I won't get into the process by

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<v Speaker 2>which glass is made, but annealed glass is standard window glass.

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<v Speaker 2>It's great, it's super and it does what it's supposed

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<v Speaker 2>to do. But annealed glass is manufactured at a relatively

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<v Speaker 2>in terms of glass low temperature. And as a result,

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<v Speaker 2>what happens is if you were to take annealed glass

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<v Speaker 2>and warm it up uniformly from all sides, then annealed

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<v Speaker 2>glass can actually put up with a tremendous amount of heat. Okay,

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<v Speaker 2>but that's not what happens. The fire licks up against

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<v Speaker 2>your house and suddenly the temperatures on the outside of

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<v Speaker 2>that pane of glass are over one thousand degrees and

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<v Speaker 2>the temperature on the inside of that pane of glass

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<v Speaker 2>is you know, a cool seventy two degrees inside conditioned home.

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<v Speaker 2>It is that differential which causes that pane of glass

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<v Speaker 2>to expand unevenly on the outside and not expand on

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<v Speaker 2>the inside surface and therefore shatter and crack. Once that

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<v Speaker 2>cracks and shatters, then all of a sudden, the flames

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<v Speaker 2>have an open doorway to actually enter the home. So

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<v Speaker 2>fire rated windows are standard windows. They look no different

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<v Speaker 2>than any other window or door in the house. Nobody

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<v Speaker 2>has to worry about, well, how is that going to

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<v Speaker 2>mess up the look of my house? There is no difference.

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<v Speaker 2>It is an additional expense. And the additional expense is

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<v Speaker 2>that the glass in a fire rated window is tempered glass.

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<v Speaker 2>Tempered glass has been heated and manufactured at thousands a

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<v Speaker 2>plural of degree, you know, about five thousand degrees. Tempered

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<v Speaker 2>glass can handle the temperature differential between the coolness of

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<v Speaker 2>the inside of your home and the extreme heat from

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<v Speaker 2>fire on the outside of your home and will not

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<v Speaker 2>shatter and therefore will not open a doorway into or

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<v Speaker 2>you know, literally a window into your home.

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<v Speaker 1>If you have a sliding glass door, a sliding glass.

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<v Speaker 2>Door is tempered glass by code because every fenestration, every

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<v Speaker 2>window that dips lower that has glass below in California.

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<v Speaker 2>Actually this is I believe the National Building goes. Any

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<v Speaker 2>glass that comes closer to the floor than eighteen inches

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<v Speaker 2>okay below eighteen inches or the floor has to be

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<v Speaker 2>whether no matter what fire zone you live, and has

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<v Speaker 2>to be tempered because now it's in it's not fire

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<v Speaker 2>that we're worried about, but it's in the kickzone, right,

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<v Speaker 2>it's in a place where somebody can go through it.

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<v Speaker 2>So it has to be super strong tempered glass. So

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<v Speaker 2>fire windows, Jeanette, it's such a good question. I'm so

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<v Speaker 2>glad you asked it. Fire windows are windows with tempered glass,

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<v Speaker 2>not the anneal glass. That's the additional expense. Every major manufacturer,

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<v Speaker 2>you know, Anderson, Marvin mill Guard, I mean, just Pella.

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<v Speaker 2>You just go down the list, every major manufacturer of windows,

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<v Speaker 2>of reputable, high quality windows will make you a tempered

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<v Speaker 2>glass version of the window that you need, and that

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<v Speaker 2>is by definition, a fire rated window.

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<v Speaker 4>Okay. So I'll just look at the ones that I'm

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<v Speaker 4>comfortable with, you know, national name brands, and come and

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<v Speaker 4>have them, come give me estimates and choose some of them,

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<v Speaker 4>and then I'll be fine. Exactly exactly, Okay, awesome, Thank

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<v Speaker 4>you so much. Thank you, thank you listen to you

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<v Speaker 4>every week. Thank you so much.

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<v Speaker 2>Oh, thank you so much, Jeanette for your support and

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<v Speaker 2>thanks for that great question. You just helped a lot

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<v Speaker 2>a lot of people understand what they need to do

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<v Speaker 2>in order to help fire harden their homes. All right,

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<v Speaker 2>more when we return your Home with Dean Sharp, the

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<v Speaker 2>House Whisper on a very fire smoky weekend here in

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<v Speaker 2>southern California.

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<v Speaker 1>You're listening to Home with Dean Sharp on demand from

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<v Speaker 1>KFI AM six forty.

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<v Speaker 2>CAMFI AM six forty live streaming, and HD everywhere on

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<v Speaker 2>the iHeart Radio app. You are Home with Dean Sharp,

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<v Speaker 2>the House Whisper. We are continuing kfi's coverage of these

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<v Speaker 2>fires this morning. Specifically, I am talking to you about

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<v Speaker 2>things related to you, your home, your displacement if your

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<v Speaker 2>home was destroyed or radically affected by the fires. Of course,

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<v Speaker 2>from my expert perspective in terms of home design and

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<v Speaker 2>home building and the entire process. Tomorrow's show, I Will

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<v Speaker 2>let you know, will be very very much focused on

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<v Speaker 2>again reviewing what it takes to fire hard and a home,

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<v Speaker 2>but also what are these next steps in terms of

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<v Speaker 2>insurance claims? And the rebuilding process. When an entire neighborhood

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<v Speaker 2>and a regional infrastructure has been affected, you're not going

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<v Speaker 2>to want to miss that. And of course we will

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<v Speaker 2>be giving you ongoing live updates as we do with

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<v Speaker 2>Eileen Gonzalez at the tip of the spear here in

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<v Speaker 2>the twenty four hour newsroom here at KFI. I want

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<v Speaker 2>to take at least another call if we can. I

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<v Speaker 2>don't have a lot of time. I've been playing a

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<v Speaker 2>little fast and loose with our segment times here just

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<v Speaker 2>in order to get all the information you need to you.

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<v Speaker 2>But let's talk to Richard. Hey, Richard, welcome home, Good morning,

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<v Speaker 2>Good morning sir.

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<v Speaker 1>How can I help Youah?

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<v Speaker 3>I called in just to see if you needed any

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<v Speaker 3>background on how resident for fire systems are designed and

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<v Speaker 3>why they come up shorts.

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<v Speaker 1>Okay, well yeah, give us a quick overview.

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<v Speaker 3>Well, essentially, we design our systems to put out a

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<v Speaker 3>large fire on a single commercial building or a few

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<v Speaker 3>residential buildings, and we size the pipes to bring the

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<v Speaker 3>fireflows to that location at a certain velocity, and then

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<v Speaker 3>when we look at the reservoir sizing, we look at

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<v Speaker 3>how long we're going to be pulling water at a

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<v Speaker 3>fireflow rate, and it's typically for a very large building

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<v Speaker 3>about four hours. So the reservoirs are sized for the

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<v Speaker 3>four hour fireflow plus some capacity for every day demands

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<v Speaker 3>of the water system. So we have so we have

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<v Speaker 3>a limited amount of reservoir water available based on the

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<v Speaker 3>current state of.

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<v Speaker 2>Design, right, which has obviously been tested and brought to

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<v Speaker 2>its knees by these fires, specifically like the Palisades Fire.

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<v Speaker 2>Of course, there was already issues about low water pressure

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<v Speaker 2>during some of those fights, and it was really just

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<v Speaker 2>literally the perfect storm. The speed of the fire, the

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<v Speaker 2>rate of the fire, the amount of structures that had

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<v Speaker 2>to be defended and that were on fire, broken pipelines,

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<v Speaker 2>compromised lines, all at the same time, too much water

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<v Speaker 2>being pulled out of the system to fight too many

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<v Speaker 2>fronts at in too many locations, just literally a perfect

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<v Speaker 2>storm in which water became a very very limited resource

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<v Speaker 2>during that fight. In your opinion, now you're a civil engineer, Richard, yes, sir,

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<v Speaker 2>in your opinion, is this something that we need to

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<v Speaker 2>take a serious look at upgrading. It's not like it's

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<v Speaker 2>going to be a quick fix overnight. I mean we're

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<v Speaker 2>talking about I would imagine hundreds of millions of dollars

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<v Speaker 2>of infrastructure upgrade all across the Southland. If if we

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<v Speaker 2>were to take this seriously, is that something that's likely

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<v Speaker 2>to happen, and should it happens.

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<v Speaker 3>There's more to it than that. I mean, the system

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<v Speaker 3>that does well for what it's designed to do, and

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<v Speaker 3>when we have a wildfire and several homes are involved,

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<v Speaker 3>the expectation is that we're going to put air assets

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<v Speaker 3>in the up to fight the wildfire, right and so

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<v Speaker 3>when we're not able to do that, then there's obviously

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<v Speaker 3>some problems. But the real where you could really make

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<v Speaker 3>an impact is what you're going to be talking about tomorrow,

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<v Speaker 3>where you make the homes defendable by using the windows

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<v Speaker 3>that are appropriate, moving flammables away from the house, you know,

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<v Speaker 3>getting rid of landscaping that is inducive to starting a fire,

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<v Speaker 3>and and there's something else, but I've.

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<v Speaker 1>Forgotten it, Richard.

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<v Speaker 3>I think you're going to talk about it tomorrow.

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<v Speaker 1>Yeah, absolutely, my friend, and I really appreciate.

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<v Speaker 2>I appreciate the call, and I appreciate the insight and

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<v Speaker 2>the support as well. So from a civil engineering perspective

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<v Speaker 2>and from a a water systems designs perspective you know,

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<v Speaker 2>you heard it right there, and something to consider everyone.

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<v Speaker 2>The fact of the matter is that, you know, we

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<v Speaker 2>could approach this from two different directions. You could build

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<v Speaker 2>every house out of tissue paper and then as a result,

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<v Speaker 2>pay billions of dollars to introduce a fire deterrent system

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<v Speaker 2>in order to fast respond with you know, millions of

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<v Speaker 2>gallons of water every time a tissue paper house gets ignited.

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<v Speaker 2>Or or on the individual home level, you could simply

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<v Speaker 2>fire harden a home that makes it more difficult for

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<v Speaker 2>homes to burn and easier for fire services and the

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<v Speaker 2>existing infrastructure to defend. There's probably some give in both directions,

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<v Speaker 2>but absolutely in regards to our listeners and what we're

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<v Speaker 2>here to talk about on an ongoing basis, You're absolutely right, Richard.

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<v Speaker 2>Tomorrow we will continue to talk about how to fire

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<v Speaker 2>harden your home, all right, when we come back. Thank you,

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<v Speaker 2>Richard for the call. I so appreciate it. When we

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<v Speaker 2>come back for our final segment here, I want to

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<v Speaker 2>follow up something on Janette's call earlier about fire windows,

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<v Speaker 2>something that I did not discuss with her. We answered

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<v Speaker 2>her question thoroughly, but a lot of you are in

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<v Speaker 2>situations where you're like you have an older home now

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<v Speaker 2>and now, of course it's code code requirement that if

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<v Speaker 2>you build new or you do a major remodel in

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<v Speaker 2>a wildlife urban interface, if you're in a high fire

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<v Speaker 2>risk zone, then at least the side of the house

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<v Speaker 2>that faces the interface needs fire rated windows are they're

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<v Speaker 2>required by code on new builds, major remodels and so on.

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<v Speaker 2>But there is not a regulation that is twisting arms

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<v Speaker 2>for people with existing homes who do not have fire

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<v Speaker 2>rated windows pushed up against open spaces to have to

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<v Speaker 2>do anything. And if you're like Jeannette and you're made

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<v Speaker 2>the decision like I want to do this now, Jeannette

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<v Speaker 2>is she's stepping up and doing you know, she's gonna

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<v Speaker 2>get bids and she's going to change out her windows.

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<v Speaker 2>Well that's great. What if you don't have the budget

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<v Speaker 2>to do that, Well, I want to talk to you

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<v Speaker 2>about what your options are and we'll do it right

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<v Speaker 2>on the other side of the news in Sharp House

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<v Speaker 2>with her welcome home. Thanks for spending this time with

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<v Speaker 2>me this morning. It is a privilege. As always, I

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<v Speaker 2>am glad that you are here. I'm literally glad that

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<v Speaker 2>you are still here. If you live in southern California,

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<v Speaker 2>UH and have been affected, which all of us have

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<v Speaker 2>to some degree or another, by these wildfires that are still

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<v Speaker 2>raging here. Hopefully in the next few hours and a

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<v Speaker 2>couple of days before the wind events return, we can

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<v Speaker 2>get a stronger handle on these fires, get them under control.

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<v Speaker 2>Fingers crossed, and our thoughts and prayers go out to

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<v Speaker 2>all of the firefighters out there who are helping us

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<v Speaker 2>stay safe and who are giving their all to see

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<v Speaker 2>it happen. Here on the program we have today and

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<v Speaker 2>we will again tomorrow, be talking about fire hardening your

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<v Speaker 2>home and also something that we have not talked a

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<v Speaker 2>lot about in the past, and that is when everything

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00:26:21.440 --> 00:26:23.920
<v Speaker 2>is lost, where do you go from there? What are

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<v Speaker 2>the next steps in terms of literally who to call

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00:26:28.200 --> 00:26:31.480
<v Speaker 2>and what to expect. Now, all so far I've shared

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00:26:31.519 --> 00:26:35.640
<v Speaker 2>with you FEMA Red Cross, these are first steps. These

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00:26:35.640 --> 00:26:39.720
<v Speaker 2>are immediate emergency first steps to get you and your

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00:26:39.759 --> 00:26:46.119
<v Speaker 2>family safe, get them fed, get them warm, and get

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00:26:46.200 --> 00:26:50.640
<v Speaker 2>you in a at least a temporary shelter. After that

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00:26:51.519 --> 00:26:57.079
<v Speaker 2>comes long term temporary, long term temporary meaning that you're

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00:26:57.119 --> 00:26:59.359
<v Speaker 2>not going to be going back to that home or

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00:26:59.400 --> 00:27:02.960
<v Speaker 2>thathborhood anytime soon. We've got to find you a place

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00:27:03.000 --> 00:27:06.400
<v Speaker 2>to be so life can go on for you while

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00:27:06.559 --> 00:27:10.960
<v Speaker 2>you are rebuilding or redirecting, or deciding where to go

409
00:27:11.039 --> 00:27:16.640
<v Speaker 2>from there. Filing an insurance claim is crucial asap because

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00:27:16.680 --> 00:27:20.359
<v Speaker 2>of the emergency funds that are available, because of the

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00:27:20.680 --> 00:27:23.720
<v Speaker 2>funds that will be available for you for temporary housing

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<v Speaker 2>and so on. And the only thing I'm going to

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<v Speaker 2>add to that for today, and we'll go further tomorrow.

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<v Speaker 2>The only thing I want to add for that today

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00:27:33.359 --> 00:27:37.079
<v Speaker 2>is start documenting everything soon as you get your feet

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00:27:37.119 --> 00:27:39.640
<v Speaker 2>under you, as so, as soon as you've taken a

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00:27:39.680 --> 00:27:44.160
<v Speaker 2>few breaths and gotten a decent night's sleep. Know this,

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<v Speaker 2>Who in the family is the accountant, Who in the

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00:27:48.279 --> 00:27:51.680
<v Speaker 2>family is the court reporter? Who is the documentarian in

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<v Speaker 2>the family. In my family, that would be this buddy

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00:27:54.640 --> 00:27:57.839
<v Speaker 2>sitting across the table from me if we were in

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00:27:57.839 --> 00:28:02.759
<v Speaker 2>this situation. It is critical start documenting everything. Start a

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00:28:02.799 --> 00:28:08.640
<v Speaker 2>recovery diary, okay. Take detailed notes on who you talk

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00:28:08.759 --> 00:28:11.920
<v Speaker 2>to and when, what was their number, what are the

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00:28:12.000 --> 00:28:16.759
<v Speaker 2>numbers that you called, what was said? Keep your paperwork organized,

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00:28:17.119 --> 00:28:24.359
<v Speaker 2>Take photos, keep receipts, hotel bills, pet boarding receipts, so

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00:28:24.400 --> 00:28:27.359
<v Speaker 2>that you can have these things easily accessible. If there

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00:28:27.440 --> 00:28:32.960
<v Speaker 2>is a moment in human history in which that cell

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00:28:33.000 --> 00:28:38.000
<v Speaker 2>phone in your pocket is of value to you, of

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00:28:38.119 --> 00:28:42.960
<v Speaker 2>digital photography is value to you, then this is it. Okay,

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00:28:43.319 --> 00:28:46.480
<v Speaker 2>keep your receipts, but also just take photos of everything

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00:28:46.480 --> 00:28:50.200
<v Speaker 2>so you have got access to it, quick access to

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00:28:50.240 --> 00:28:54.720
<v Speaker 2>it when you need it. More on exactly why and

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00:28:54.839 --> 00:28:57.599
<v Speaker 2>how that all plays in into tomorrow's show as we

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00:28:57.680 --> 00:29:02.720
<v Speaker 2>talk about the insurance game and the insurance process and

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00:29:02.960 --> 00:29:05.519
<v Speaker 2>what that's going to mean to your home. So I

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00:29:05.559 --> 00:29:07.720
<v Speaker 2>hope that is a value to you. Also, I want

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00:29:07.759 --> 00:29:11.200
<v Speaker 2>to just tack on I promised before the break follow

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00:29:11.279 --> 00:29:14.440
<v Speaker 2>up to Janette's call about fire rated windows. What if

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00:29:14.480 --> 00:29:18.000
<v Speaker 2>you want to protect your home better but you can't

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00:29:18.039 --> 00:29:20.920
<v Speaker 2>afford fire rated windows right now on the backside of

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00:29:21.000 --> 00:29:23.480
<v Speaker 2>your house. Well, it's very simple. I want you to

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00:29:23.559 --> 00:29:29.880
<v Speaker 2>look into fire rated window films. Fire rated window films

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00:29:29.960 --> 00:29:31.920
<v Speaker 2>like you know, like the kind of film that you

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00:29:31.960 --> 00:29:35.079
<v Speaker 2>put on a window, not a movie, a film like

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00:29:35.319 --> 00:29:38.920
<v Speaker 2>window tinting. Okay, Now they don't need to be tinted.

447
00:29:38.920 --> 00:29:41.319
<v Speaker 2>They can be they can be reflected, they can be darkening,

448
00:29:41.319 --> 00:29:44.200
<v Speaker 2>but they don't. They could be perfectly clear, but three M,

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00:29:44.359 --> 00:29:47.559
<v Speaker 2>as a perfect example, makes a whole series what we

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00:29:47.640 --> 00:29:52.960
<v Speaker 2>call class aided class A rated fire films, which means

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00:29:53.759 --> 00:29:59.039
<v Speaker 2>they can hold back fire for more than an hour. Okay,

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00:29:59.160 --> 00:30:02.039
<v Speaker 2>and fire line move very fast. That's about all you need.

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00:30:02.359 --> 00:30:04.640
<v Speaker 2>But the whole point is this, Like I was explaining

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00:30:04.680 --> 00:30:08.519
<v Speaker 2>to Jeanette, the problem with a window in a fire

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00:30:08.720 --> 00:30:12.039
<v Speaker 2>standard and ealed glass is that the imbalance of cool

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00:30:12.079 --> 00:30:14.400
<v Speaker 2>on the inside and heat on the outside will cause

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00:30:14.400 --> 00:30:17.440
<v Speaker 2>the glass to shatter and therefore the flames now of

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00:30:17.440 --> 00:30:20.640
<v Speaker 2>a direct path into the house. A fire rated film

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00:30:20.720 --> 00:30:25.519
<v Speaker 2>will not keep the glass from breaking. It will, but

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00:30:26.799 --> 00:30:30.319
<v Speaker 2>the fire rated film will hold those shattered pieces of

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00:30:30.359 --> 00:30:34.000
<v Speaker 2>glass together instead of having them fall out of the opening,

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00:30:34.160 --> 00:30:38.640
<v Speaker 2>and it'll keep the opening sealed up. And that's the

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00:30:38.759 --> 00:30:41.599
<v Speaker 2>key that as yet it's not as good as tempered glass,

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00:30:41.960 --> 00:30:45.319
<v Speaker 2>but a fire rated film can save your house far

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00:30:45.440 --> 00:30:46.559
<v Speaker 2>far less expensive.

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<v Speaker 1>Three M makes a whole slew.

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00:30:48.519 --> 00:30:50.880
<v Speaker 2>Of them, and there are a lot of places in

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00:30:50.920 --> 00:30:54.519
<v Speaker 2>southern California where you can have them ordered and installed

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00:30:54.599 --> 00:30:58.599
<v Speaker 2>for you very quickly, at much less expense than replacing windows.

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00:30:58.640 --> 00:31:02.599
<v Speaker 2>Consider that, pond that and join me right back here

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<v Speaker 2>tomorrow morning at nine o'clock as we continue our discussion

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00:31:06.000 --> 00:31:10.359
<v Speaker 2>about what next when it comes to wildfire devastation. Until then,

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<v Speaker 2>my friend, stay safe and get out there and get

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<v Speaker 2>busy building yourself a beautiful life.

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<v Speaker 1>We'll see you tomorrow morning.

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<v Speaker 2>This has been Home with Dean Sharp, the House Whisper.

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<v Speaker 2>Tune into the live broadcast on KFI AM six forty

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00:31:24.039 --> 00:31:27.200
<v Speaker 2>every Saturday morning from six to eight Pacific time, and

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00:31:27.279 --> 00:31:30.559
<v Speaker 2>every Sunday morning from nine to noon Pacific time, or

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00:31:30.799 --> 00:31:34.039
<v Speaker 2>anytime on demand on the iHeartRadio app
