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From : Lila Hayes
Sent : Sep 08, 2006
Subject : Disaster Survivor Network Email Newsletter

 Disaster Survivor Network Email Newsletter

 Information compiled by
Disaster Survivor Network
www.disastersurvivornetwork.com
909-266-1459 vm/fax
 
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Index
 1. Can You Help with Sawtooth Fire Survivors?
 2. Three year deadline to replace or rebuild
 3. Rebuilding Story from San Diego
 4. Levees.org looking for California Chapter Organizer
 
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In The News
1. A Tale of Three Engineering Reports, Aug 25 2006, ABC News
2. Get prepared for disaster, Aug 27 2006, SB Sun
3. Putting the pieces together from 1,850 miles away, Aug 29 2006, SB Sun
4. Storm Domain Profiteers, Aug 30 2006, SANS
5. The next tragedy: Katrina and 9/11 show we're not ready, Aug 31 2006, The Dallas Morning News
6. Heavy rain possible locally from hurricane, Sep 2 2006, SB Sun
7. Allstate Seeks Big Boost in Premiums, Sep 2 2006, LA Times
8. More Back-to-School Lists Include Insurance, Sep 3 2006, LA Times
9. Northbound I-15 shut by afternoon wildfire, Sep 6 2006, The Press-Enterprise
10. Are we safer?, Sep 8 2006, SB Sun
11. State Farm to Cut Rates for Homeowners, Sep 6 2006, LA Times
 
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1. Can You Help with Sawtooth Fire Survivors?
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On August 26 Pioneertown had their first official Fire Recovery Workshop that included CARe and Old Fire Survivors. Their next meeting is this Saturday, September 9.  Amelia Herrmann, Charlotte Crandall and Carol Fine brought light refreshments for the group and we all listened to George and his insightful insurance tips. After the formal meeting convened, we all got a chance to talk to the survivors. Do you remember how nice it was to talk to someone who had been on the path you were just embarking on? If you'd like to come and lend support, please email me for details.
 
If you don't have time to join us, but would still like to lend a hand, United Policyholders has updated the "yellow book" and added some disaster recovery tips. The Scripps Ranch Association (which lost over 300 homes in the 2003 fire in San Diego) has purchased 5 books for the Sawtooth fire survivors and we handed them out last time we were in Pioneertown. They are continuing to collect money for this and other future disasters.
 
I thought it might be a good gesture for our group to purchase books as well. We can get a discount if we buy at least 10 so I'd like to raise $110 to cover all of the costs at the discounted price for 10 books. A sticker would be placed inside the book saying our group purchased the book for the survivors.
 
Please email me if you're interested in donating money for our endeavor. For more information on the book, go to:
http://www.unitedpolicyholders.org/booksale.html
 
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2. Three year deadline to replace or rebuild
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Earlier in the year I learned about a three year deadline to replace or rebuild your California home to keep their pre-tax assessment (from which your property tax is calculated). As you might be aware, over 30 years ago California residents passed Prop 13 which allowed property owners to keep their purchase price tax base with only small annual increments (which keeps your property taxes low). I had heard that if you didn't replace or rebuild within three years you would loose that tax basis and the property would be re-assessed on the current market conditions so I asked the San Bernardino Tax Assessor what the real rule is. This is his reply. If you live somewhere besides the County of San Bernardino, you should contact your local assessor to see what their interpretation of the rules are.
The 3 year deadline you are referring to deals with the situation when the base year value (Prop 13 assessment) of the property which is substantially damaged or destroyed by a disaster, as declared by the Governor, may be transferred to comparable property within San Bernardino County which is acquired or newly constructed within 3 years after the disaster [Revenue and Taxation Code Section 69(a)].  In other words, if the property owner decides not to rebuild on the lot that suffered the damage and buys or rebuilds elsewhere in San Bernardino County, the property owner must do so within 3 years after the disaster and the replacement property is the substantial equivalent of the original (destroyed) property. 
 
If the property owner decides to rebuild on the existing lot and rebuilds the substantial equivalent of the original structure and does so in a "timely" fashion then the base year value (Prop 13 assessment) of the original structure is reinstated as the assessed value [Revenue and Taxation Code Section 70 (c)].   The question that arises is concerns the definition of "timely reconstruction."  In researching the Revenue and Taxation Code, Property Tax Annotations, Letters to Assessors and with consultation with the State Board of Equalization, a statutory definition of "timely reconstruction" does not exist nor does a written advisory opinion exists as to what constitutes "timely reconstruction."  The SBE opines verbally stating that each damaged property reconstruction is to be looked individually on its own merits.  The San Bernardino County Assessor's Office adopts a liberal interpretation on timely reconstruction and will take into consideration factors or circumstances that are beyond the property owner's control that may result in non-timely reconstruction but yet would still qualify to have their Prop 13 assessment restored provided all other qualifying conditions are met. Circumstance or factors the Assessor's Office would consider include but are not limited to; uninsured property owner, insurance company delays in homeowner's payouts, litigation, governmental intervention, replacement or addition of County-imposed infrastructure, contractors' woes.
 
Daniel A. Harp
Principal Appraiser
San Bernardino County Assessor's Office
(909) 387-6708
 
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3. Rebuilding Story from San Diego
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The following was submitted to the Cedar Fire Rebuild and Recovery group and I knew you all would appreciate it.
http://groups.yahoo.com/group/cfrrg
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CFRRG MINUTES 08-31-06
 
 
Hi all,
Get ready to put your hands together and give a great BIG CONGRATULATIONS to Debbie and Steve William’s.
 
They finally have their building permit. It took-3 designers, 3 sets of plans, two years and ten months to finally get their building permit.
 
Needless to say they are both on cloud 9. Now it’s time to make all the necessary arrangements and get their new home started. They shared with us at our last meeting that they will be breaking ground in about 2 weeks.
 
They were telling us that they would like to put in a gray water system in the future. So to get the process started, they will be only installing the plumbing portion for now and installing the system at some future date. If you want to install a gray water system, you must get a separate permit.  It is even more difficult to get than a septic permit.
 
After Debbie and Steve told us about the subcontractors they have lined up. Debbie shared a story with us about chocolate cake… The chocolate cake they could not get out of their minds after the fire.
 
Like many of us, they were evacuating their home on the day of the fire.  They were packing up things to take with them looking at the various necessities they absolutely could not leave behind.
 
 Debbie had just bought a nice triple layer chocolate fudge cake from Costco.  They had eaten much of the cake and Debbie found it to be delicious.  As they were leaving Debbie thought about taking the remainder, the memory of it was just soooo good.  Her practical side prevailed and she figured she would be coming back to the delicious triple layer chocolate fudge anyway.
 
If only she had known.
 
As they were sitting through the many hours waiting out the fire, Debbie could only think,  “I wish I had taken that cake!”  As she mused aloud, her mother said, “You mean that sinfully delicious triple layer chocolate?  I wanted to take it too!”
 
The fruit doesn’t fall too far from the tree.
 
We all know what happened to the wonderfully, sinfully delicious, triple layer chocolate cake.
 
Over the years Debbie has denied herself many simple pleasures in living without a house, including the now glorious, wonderfully, sinfully delicious, triple layer chocolate cake.  There was just too much work, too little time to indulge and with all the setbacks, Debbie could not feel right about such rewards.
 
Every time Debbie visited Costco she passed the glorious, wonderfully, sinfully delicious, chocolaty-chocolate fudge cake and each time said to her self, “One day I will have that truly incredible glorious, wonderfully, sinfully delicious, triple layer chocolaty-chocolate fudge cake again, and this time we’ll finish the whole darn thing.
 
That is just what we all did at the great big congratulations to the William’s party.
 
We popped the cork on bottles of Champagne and sparkling cider and had a toast. Followed by the most scrumptious, tasty, heavenly, truly incredible glorious, wonderfully, sinfully delicious, triple layer, chocolaty chocolate fudge cake straight from Costco.
 
Never was a desert more deserved.
 
Boy is chocolate a fire folks favorite thing to eat or what?  What is your favorite comfort food?
 
Minutes submitted by:
Lori A. Ende
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4. Levees.org looking for California Chapter Organizer
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In case you haven't heard, the levees in California are in a horrible state of disrepair. Recent legislation helped raise some awareness, but the potential danger still looms (see San Francisco Gate article from April 25, 2006 titled Schwarzenegger: Feds should be worried about California levees). You can learn more about California Levees at:
http://www.levees.water.ca.gov/
 
Levees.org was founded in New Orleans after Hurricane Katrina, but their rising California membership is prompting them to open a California Chapter. Here's their plea to find a motivated individual to help their organization.
A significant number of Levees.Org's members are from California and so Levees.Org plans to launch a California chapter. (We already have a Florida chapter.)  We are looking for an individual with the following qualities to act as a director: 1) monitor news events in California concerning water project issues and the Corps of Engineers, 2) networking ability to help grow the membership in CA.. No computer skills required. Please let me know if you or someone you know would be interesting in this position with Levees.Org.  You can email me at: sandy@levees.org

Best,
Sandy Rosenthal
Founder, Levees.Org
www.levees.org
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In The News
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1. A Tale of Three Engineering Reports
August 25, 2006
Joseph Rhee Reports:
 
Mississippi Gulf Coast resident Minh Nguyen was devastated to learn that State Farm would not pay her claim after her home was destroyed by Hurricane Katrina.  An engineering report commissioned by the company had found the damage was caused by water, which was not covered by her insurance policy.  
 
Nguyen was shocked when, along with her denial letter, State Farm mistakenly sent her three engineering reports in the mail.  The first two reports had concluded the damage to her home was caused by wind, which is covered in her policy; the third report was the only one that said water damage was to blame.  According to Nguyen, "They tried to cheat me.  They tried to cheat me right here."
 
[more HERE]
http://blogs.abcnews.com/theblotter/2006/08/a_tale_of_three.html
 
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2. Get prepared for disaster
By Norris L. Beren, SB Sun Guest Columnist
08/27/2006 
 
Thousands of people were saved from sure death earlier this month. Untold destruction was avoided in what could have been a massive heart attack to America and the world generally.
 
While the ultimate result would not likely have been a fatal blow to our country, our economy or form of government, the impact probably would have dwarfed the September 11 events in terms of numbers of people affected, the cost of the destruction and the mental and physical stress and anxiety people would have felt.
 
[more HERE]
 
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3. Putting the pieces together from 1,850 miles away
Leonor Vivanco, SB Sun Staff Writer
08/29/2006

FONTANA — Rain thrashed against Mary Brown’s New Orleans home, pouring in through every crevice as powerful, howling winds ripped off its roof and pulled trees out of the front yard.
 
Brown and nearly 20 relatives huddled in her son’s bedroom for safety, equipped with the necessary supplies of food, water and a portable radio. The home was trembling and flooded.
 
[more HERE]
http://www.sbsun.com/search/ci_4252230
 
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4.  Storm Domain Profiteers
30 August 2006
SANS
A number of domains related to tropical storm Ernesto have already been set up, suggesting that fraudsters are getting ready to take advantage of concern for people affected by the storm should disaster strike. Similar web sites appeared in the wake of the December 2004 Tsunami and last year's Hurricane Katrina.  Many of the Katrina-related domains set up last year appeared to be used for "domain parking," or setting up a domain to reap profits from advertisers who want to place ads on sites people are likely to visit.  Some people also set up the domains so they can profit from selling them to others.  Because the national Weather Service publishes its list of storm names in advance, many storm names have already been registered as domains by people hoping to profit from them.
 
[more HERE]
http://www.networkworld.com/news/2006/083006-ernesto-fraudsters.html?fsrc=rss-security
[more HERE]
http://isc.sans.org/diary.php?storyid=1650&isc=436dda48a4920f1bf285f28bb6fd8dd4
 
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5. The next tragedy: Katrina and 9/11 show we're not ready
Thursday, August 31, 2006
By Carl P. Leubsdorf / The Dallas Morning News
 
Over the next three weeks, Americans are marking the two worst domestic tragedies in memory — the 9/11 terrorist attack on New York and Washington and Hurricane Katrina's devastation of the Louisiana-Mississippi coast.
 
Much of the news coverage is focusing on stories of individual Americans or assessments of President Bush's leadership in coping with events that mark the peak and nadir of his public standing.
 
[more HERE]
http://www.dallasnews.com/sharedcontent/washington/politics_leubsdorf/083106ccdrNatLeubsdorf.5321c8f4.html
 
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6. Heavy rain possible locally from hurricane
Andrew Silva, SB Sun Staff Writer
09/02/2006
 
Hurricane John, which is pummeling the southern tip of Baja, California, could bring significant rain to Southern California on Labor Day and Tuesday, endangering areas such as the Morongo Valley, where recent wildfires stripped away vegetation.
 
A chance of thunderstorms is already a possibility from typical monsoonal moisture drawn up from the south, but the remnants of the hurricane could make the situation worse.
 
[more HERE]
http://www.sbsun.com/search/ci_4275502
 
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7. Allstate Seeks Big Boost in Premiums
By E. Scott Reckard, Times Staff Writer
September 2, 2006

Allstate Insurance Co. on Friday filed a request to raise premiums for California homeowners 12.2% — startling consumer groups and state Insurance Commissioner John Garamendi, who in June had ordered the company to justify its rates.
 
Whereas rivals said Friday that they planned to cut premiums, Allstate said it needed to charge more to cover the escalating threat from natural catastrophes.
 
[more HERE]
http://www.latimes.com/business/la-fi-allstate2sep02,1,3179138.story
 
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8. More Back-to-School Lists Include Insurance
Student coverage may come in handy now that dorm rooms are filled with high-tech items. But beware the cost.
September 3, 2006
Kathy M. Kristof:
Personal Finance

Evan Giordano took a laptop, phone, television and a couple of expensive suits when he left his family home in Newport Beach to go to college at USC.
 
The idea that these costly possessions might be stolen made his parents uneasy. So Giordano, 21, responded to a flier advertising a property insurance policy geared to college students.
 
[more HERE]
http://www.latimes.com/business/la-fi-perfin3sep03,1,5102588.column
 
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9. Northbound I-15 shut by afternoon wildfire
CAJON PASS: Traffic backs up for miles as firefighters work to keep it from reaching houses.
Wednesday, September 6, 2006
By PAUL LAROCCO
The Press-Enterprise
A wildfire that charred 100 acres near Interstate 15 made a fierce rush-hour foe for commuters in the Cajon Pass but spared area homes Tuesday.
 
The Blue Cut Fire started minutes after 4 p.m. just off the freeway at Kenwood Avenue, quickly eating surrounding dry brush on its way to blocking northbound lanes, said U.S. Forest Service officials.
 
[more HERE]
http://www.pe.com/localnews/fontana/stories/PE_News_Local_H_bluecut06.3aee5c5.html
 
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10. Are we safer?
DHS: A work in progress
By Mason Stockstill, SB Sun Staff Writer
09/08/2006
 
It was the largest reorganization of the federal government since the aftermath of World War II.
 
With the creation of the Department of Homeland Security in 2002, the United States had an umbrella agency charged with protecting the safety of everyone in the country.
 
[more HERE]
http://www.sbsun.com/search/ci_4304972
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11. State Farm to Cut Rates for Homeowners
California's largest dwelling insurer will be the third to request reductions. In contrast, Allstate is seeking to raise premiums.
By Marc Lifsher, LA Times Staff Writer
September 6, 2006
 

SACRAMENTO — California's largest homeowner's insurer, State Farm General Insurance Co., plans today to announce premium cuts of about 11% for 1.2 million of its policyholders.
 
Annual premiums are expected to drop an average of $103 beginning at year end, the company said.
 
[more HERE]
http://www.latimes.com/business/la-fi-insure6sep06,1,1554466.story?ctrack=1&cset=true
 
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909-266-1459 vm/fax