09/05/2024
The nitty gritty of a sh*tty situation. This is an aspect of every m**h or mold or construction circus case I have. How to afford the remediation? Where to live in the meantime? Who pays for it all?
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"Some homeowners, from Hawaii to Colorado, wish their homes had burned down because they can’t afford to make them safe again.......
State Farm, the Hussey’s insurer and the largest residential carrier nationwide, disagrees that such a level of cleaning and restoration is needed. The company initially gave them about $29,000 to cover all the expenses associated with the smoke damage, including buying replacement items for belongings that outside experts said they should throw away. They are afraid to move back, Janice said, and unable to cover the difference. Her big family “has spent the last year jostling between hotels and apartments until State Farm stopped paying” for their rent in February. In a letter viewed by The Post, the carrier said that since it had paid for restoration , the family’s home should be habitable.......
Families whose homes were left standing after the 2017 Tubbs Fire in Santa Rosa, Calif., and the 2021 Marshall Fire near Boulder, Colo., endured similar battles with State Farm and other major insurers. And as climate change and development turn more wildfires into urban blazes, homeowners are increasingly reporting smoke damage and sparring with their insurance companies. It’s a reflection, experts say, of the growing gap between what a disaster costs and what insurers are willing to cover..........
A big part of the problem, experts point out, is that there are still no industry standards or state or federal laws that regulate the assessment, testing and removal of wildfire smoke damage in homes. That means the insurance company and their chosen experts are the ones who determine if a home is safe and habitable, and who can rule that its contamination is not as serious or costly as physical property loss.
“There’s no oversight,” said Louis Adams, an indoor air quality specialist. “Anyone can do whatever they want.”
Colorado is trying to become the first state in the nation to change that. Years after the Marshall Fire left scores of residents with smoke-shrouded homes, state lawmakers are trying to create minimum “uniform standards” for insurance and testing companies as they assess houses that absorbed toxic, cancer-causing pollutants.
A year after west Maui’s deadly wildfire, Lahaina families are stuck in smoke damaged homes they say are making them sick because they can’t pay to fix them.