Insurance Rebuild Estimate

[TheKoolaid]

The process has been smooth so far after loosing my home in the Palisades fire and dealing with Fair Plan. State Farm dropped us in November and we had a policy with FP in place during the 1/7 fire.
FP paid us out an initial 50% of the dwelling limit in February which was good however the remaining amount they are estimating to rebuild is way low (no surprise). They are stating a replacement cost of 1.4MM total which based on their own estimate is pitiful. Example: $4,000 crane rental to set a roof truss. $12,000 for roof tile (big roof) etc. Not sure how you could get to those numbers. The house was not a baller estate but their offer is low.

With the many wise minds of RDP, Has anybody had recent experience with getting a 3rd party contractors estimate recently in the LA area?

My goal is to rebuild but we likely wont have the funds to do so. I have additional Ordinance of Law coverage and Additional Dwelling coverage I can tap for plans and permits which may help. which I cant use unless costs are incurred. The realistic goal would be to cash out and hold the lot for long term.

Anybody else here going through something similar?

Cheers,

 

[OldSchoolBoats]

The process has been smooth so far after loosing my home in the Palisades fire and dealing with Fair Plan. State Farm dropped us in November and we had a policy with FP in place during the 1/7 fire.
FP paid us out an initial 50% of the dwelling limit in February which was good however the remaining amount they are estimating to rebuild is way low (no surprise). They are stating a replacement cost of 1.4MM total which based on their own estimate is pitiful. Example: $4,000 crane rental to set a roof truss. $12,000 for roof tile (big roof) etc. Not sure how you could get to those numbers. The house was not a baller estate but their offer is low.

With the many wise minds of RDP, Has anybody had recent experience with getting a 3rd party contractors estimate recently in the LA area?

My goal is to rebuild but we likely wont have the funds to do so. I have additional Ordinance of Law coverage and Additional Dwelling coverage I can tap for plans and permits which may help. which I cant use unless costs are incurred. The realistic goal would be to cash out and hold the lot for long term.

Anybody else here going through something similar?

Cheers,

You need to talk to a public adjuster. If you haven't already, send me a PM and I will get you a referral.

 

[Racer56]

The process has been smooth so far after loosing my home in the Palisades fire and dealing with Fair Plan. State Farm dropped us in November and we had a policy with FP in place during the 1/7 fire.
FP paid us out an initial 50% of the dwelling limit in February which was good however the remaining amount they are estimating to rebuild is way low (no surprise). They are stating a replacement cost of 1.4MM total which based on their own estimate is pitiful. Example: $4,000 crane rental to set a roof truss. $12,000 for roof tile (big roof) etc. Not sure how you could get to those numbers. The house was not a baller estate but their offer is low.

With the many wise minds of RDP, Has anybody had recent experience with getting a 3rd party contractors estimate recently in the LA area?

My goal is to rebuild but we likely wont have the funds to do so. I have additional Ordinance of Law coverage and Additional Dwelling coverage I can tap for plans and permits which may help. which I cant use unless costs are incurred. The realistic goal would be to cash out and hold the lot for long term.

Anybody else here going through something similar?

Cheers,

I've been working in the Palisades for 20+ years and currently have many fire cleanups in progress. I am very knowledgeable about building in the Palisades and can lead you in the right direction. Call me anytime. Shane 818-540-5656

 

[Mandelon]

An outside adjuster makes sense. They know how to ring every nickel out of claims. That's what they do. I used one on a claim for a large water loss on a job we did. A mirror fell off the wall and severed a water line. That flooded two floors. I hired an adjuster and they made it easy for us. Made good money on it.

In the Palisades you will be having to pay a Premium for construction work. The insurance company should have to factor that in.

 

[TheKoolaid]

Thanks guys for the referrals and recommendations, I appreciate it. Love the community.
Now time to finish drywalling in the Havasu House remodel before the heat.

 

[River Dirt 2]

Just FYI

https://m.facebook.com/story.php?story_fbid=pfbid0s1WNGKmuK94hzVzViV4cr4tc4xuBSVXGKNmQfmzt9PwicJbiY9YPuJDcULdPv49Al&id=100033576230398

'NOT ACCEPTABLE.'
Not a single home building permit has been finalized in Altadena following the Eaton Fire. It’s been three months since the Palisades and Eaton Fires scorched Southern California towns. Officials acknowledged there’s been a significant delay in restoring Altadena and the Pacific Palisades after the January wildfires.
Since the Eaton Fire tore through Altadena in January, not a single building permit for an impacted homeowner was finalized even though more than 1,500 properties are ready for rebuilding, a Los Angeles County official said Monday.
As LA County Supervisor Kathryn Barger and Traci Park toured the Altadena area Monday, they acknowledged that restoring the once vibrant neighborhoods has met roadblocks and significant delays.
“To be candid, I am not satisfied with the pace today,” said Barger. “No building permits have been issued. That’s totally unacceptable.”
Barger added that a motion to cut through red tape will be voted on Tuesday by the LA County Board of Supervisors to create a permitting authority.

 

[bilz]

"Barger added that a motion to cut through red tape will be voted on Tuesday by the LA County Board of Supervisors to create a permitting authority."

Another bureaucracy, and more employees. And more delays!

 

[TimeBandit]

The fact the city will profit $100,000 on each property in b******* permit fees and taxes is just unfathomable.

Oh and I'm sure you will be taxed at the new value not the one you had for 20 or 30 years.

Yeah a permitting authority. that's like saying we're going to pay for a study on that issue and get back to you.

 

[Mandelon]

I drove through the burn area in Altadena two weeks ago. Most lots are not cleared. Tons of trucks and hauling equipment but it still looks like Gaza over there. Sad.

 

[rrrr]

Thanks guys for the referrals and recommendations, I appreciate it. Love the community.
Now time to finish drywalling in the Havasu House remodel before the heat.

I can't offer any help or advice, but I can send energy and best wishes for a good outcome. The fires were a visit from hell, and I feel for all those affected.

 

[River Dirt 2]

I drove through the burn area in Altadena two weeks ago. Most lots are not cleared. Tons of trucks and hauling equipment but it still looks like Gaza over there. Sad.

Slightly more than 10% have been cleared so far from both fires.

ArcGIS Dashboards

ArcGIS Dashboards

tt-emi.maps.arcgis.com

 

[River Dirt 2]

"Barger added that a motion to cut through red tape will be voted on Tuesday by the LA County Board of Supervisors to create a permitting authority."

Another bureaucracy, and more employees. And more delays!

How to speed up rebuilding in Altadena? Put in a permit czar to clear bureaucratic backlog

The Board of Supervisors are asking for county departments to appoint one person to make permit decisions on rebuilding in Altadena.

www.pasadenastarnews.com

 

[River Dirt 2]

"Barger added that a motion to cut through red tape will be voted on Tuesday by the LA County Board of Supervisors to create a permitting authority."

Another bureaucracy, and more employees. And more delays!

And this one…

Left behind? County asks for registry of elderly, disabled to get them to safety in a fire

Thousands of people, many elderly and/or disabled, did not get warned a fire was close by. Can a county registry help them evacuate next time?

www.pasadenastarnews.com

 

[Racer56]

Just FYI

https://m.facebook.com/story.php?story_fbid=pfbid0s1WNGKmuK94hzVzViV4cr4tc4xuBSVXGKNmQfmzt9PwicJbiY9YPuJDcULdPv49Al&id=100033576230398

'NOT ACCEPTABLE.'
Not a single home building permit has been finalized in Altadena following the Eaton Fire. It’s been three months since the Palisades and Eaton Fires scorched Southern California towns. Officials acknowledged there’s been a significant delay in restoring Altadena and the Pacific Palisades after the January wildfires.
Since the Eaton Fire tore through Altadena in January, not a single building permit for an impacted homeowner was finalized even though more than 1,500 properties are ready for rebuilding, a Los Angeles County official said Monday.
As LA County Supervisor Kathryn Barger and Traci Park toured the Altadena area Monday, they acknowledged that restoring the once vibrant neighborhoods has met roadblocks and significant delays.
“To be candid, I am not satisfied with the pace today,” said Barger. “No building permits have been issued. That’s totally unacceptable.”
Barger added that a motion to cut through red tape will be voted on Tuesday by the LA County Board of Supervisors to create a permitting authority.

I am curious how many permit applications have been submitted. I know for most of my jobs there is no way to get a set of plans drawn, engineered and a soils report completed in less than 3-4 months. The only way I can see a building permit issued now is a set of plans that were in plan check before the fire, a property that was under construction or a house that was built in the last two years under current building code and title 24.

The real metric will be how many building permits have been issued at the 1 year mark. Most of the home owners I have worked with take 3 months to decide on what they even want.

 

[SoCalDave]

KFI advertises this group quite often.

Public Adjusters - #1 Trusted Public Adjuster in Los Angeles - Avner Gat, Inc.

#1 Public Adjusters in Los Angeles that help homeowners expedite and maximize insurance claims for losses due to water damage, fire damage and theft.

lp.avnergat.com

 

[SoCalDave]

I heard on KFI today that peeps have plans submitted for the Eaton fire area but nothing has been approved by the city. Said something about getting a special committee involved..
Sound like a home owners nightmare/cluster fuck to me...

 

[Mandelon]

And how long does insurance cover you for substitute housing? At some point the neighborhood will be full of travel trailers with owners camping out in their own yards!

 

[NicPaus]

And how long does insurance cover you for substitute housing? At some point the neighborhood will be full of travel trailers with owners camping out in their own yards!

That and workers. It's only 30 something miles from here but 2 hour drive most days. Once the rebuild starts the commute will be insane. I thought of buying up a few 5th wheels to park on sites to house the labor.

I was up in Norcal few weeks ago and drove up to Paradise to check it out. Quite a few still living in trailers on there property and it's been 6 years or so. Only saw 3 houses being framed. Majority of the lots still empty and a lot of them for sale. Obvious the land there is not sought after. My Cousin said most moved on as insurance would be un affordable for most. Lots were 22-25k and a acre with a bitchen view 50k.

 

[Racer56]

And how long does insurance cover you for substitute housing? At some point the neighborhood will be full of travel trailers with owners camping out in their own yards!

The homes owners I've talked to said they have a housing allowance amount. 150-300K plus. It's up to you to make it last for the period of time you need it.

 

[Melloyellovector]

That and workers. It's only 30 something miles from here but 2 hour drive most days. Once the rebuild starts the commute will be insane. I thought of buying up a few 5th wheels to park on sites to house the labor.

I was up in Norcal few weeks ago and drove up to Paradise to check it out. Quite a few still living in trailers on there property and it's been 6 years or so. Only saw 3 houses being framed. Majority of the lots still empty and a lot of them for sale. Obvious the land there is not sought after. My Cousin said most moved on as insurance would be un affordable for most. Lots were 22-25k and an acre with a bitchen view 50k.

It’s already fukt traffic. Well it was fukt before but even more fukt now
with road closures a lot of traffic is diverted to sunset. anywhere between palisades and 405 is stupid. Bottle neck, shit roads and every 4th vehicle is a dump truck.
Once rebuild starts it will likely be min 4 + vehicles per house being rebuilt, larger homes likely 10 + vehicles per house rebuild.
im sure I’ll appreciate the invoices once homes start but really really not looking forward to it.

 

[boatnam2]

That and workers. It's only 30 something miles from here but 2 hour drive most days. Once the rebuild starts the commute will be insane. I thought of buying up a few 5th wheels to park on sites to house the labor.

I was up in Norcal few weeks ago and drove up to Paradise to check it out. Quite a few still living in trailers on there property and it's been 6 years or so. Only saw 3 houses being framed. Majority of the lots still empty and a lot of them for sale. Obvious the land there is not sought after. My Cousin said most moved on as insurance would be un affordable for most. Lots were 22-25k and a acre with a bitchen view 50k.

Pick up that trailer in parker for 3k

 

[NicPaus]

It's going to be crazy getting in and out of there. At my jobsite now. Buddy lives on this block. He is a Super for a builder that does palisades. They already have 16 in the bid stages. He normally covers the beach side this way. But will have to commute if needed.

My Cousin works up there regularly. He said Alta Dena is further but faster to get to. One of the 5 builds he was on took 5 years and the Super told him 97 Guys on site average. Parking was a nightmare.

Been a long time since I have been on a big build. Few doors down from Chopras house. He had 100 Guys working each day. Parking was insane. I got blocked in almost every day until the end of day. Lunch trucks would run out of food and nobody could get out to go buy lunch.

 

[Racer56]

It’s already fukt traffic. Well it was fukt before but even more fukt now
with road closures a lot of traffic is diverted to sunset. anywhere between palisades and 405 is stupid. Bottle neck, shit roads and every 4th vehicle is a dump truck.
Once rebuild starts it will likely be min 4 + vehicles per house being rebuilt, larger homes likely 10 + vehicles per house rebuild.
im sure I’ll appreciate the invoices once homes start but really really not looking forward to it.

It took me over 2 hours to get home yesterday at 4:00. It's only 11 miles from the Palisades to my home or office in the valley. I sure hope they open up PCH and Topanga to help take some pressure off of Sunset.

 

[Havasu blue label]

My guys would spend 4 of drive time going to the colony from Pasadena

 

[Backlash]

This rebuilding process is going to be a complete nightmare for all involved. It's going to be an astronomical undertaking from beginning to end. I know if a job site here in the SGV with four decent sized houses on a subdivided lot. It's taken years for them to complete due to vandalism, homeless vagrants and theft. The project manager has been told numerous times to hire on-site security guards which they refuse to do. Electricians will spend all week running wire, only to leave for the weekend to have it all cut out and stripped. It's ridiculous. So, not to be "That guy," but I see problems exactly like this occurring all over Altadena and Palisades once the work actually does start. Once the thieves catch wind of the goodies, it will be a free for all.

 

[Backlash]

Following the Lahaina disaster, I read last week that only 6 residential building permits had been granted. 6. And those fires were almost 20 months ago. It's all fucking ridiculous. I feel so bad for those folks in Maui, Altadena and PP. Bureaucrats needs to pull their heads out of their asses and speed these processes up.

 

[NicPaus]

I just got a permit issued today. LADBS is a nightmare. Numerous trips. Countless emails. Phone calls. For a driveway approach. LADBS had to approve my driveway before public works would issue a permit. The new plan checker wow is all I can say about his level of competence. He finally approved it and then told me I can't park in the driveway it's to access the garage parking only.

There is no permit for a driveway inspector told me no problem. But the genius engineer at public works could not comprehend it.

 

[Bobby V]

I heard on KFI today that peeps have plans submitted for the Eaton fire area but nothing has been approved by the city. Said something about getting a special committee involved..
Sound like a home owners nightmare/cluster fuck to me...

KFI reported today that the 1st permit was approved today for the Palisades. https://www.yahoo.com/news/la-mayor-karen-bass-construction-184000536.html

 

[rivrrts429]

KFI reported today that the 1st permit was approved today for the Palisades. https://www.yahoo.com/news/la-mayor-karen-bass-construction-184000536.html

Interesting being that John Kobylt from KFI spent an hour interviewing people earlier this week on his show about the lack of permits issued and the backlog of applications so far. They probably got inundated by the listeners about it and approved something this week. Supposedly there’s a ton of permits that are waiting but being dragged out. No idea how accurate that is.

It’s incredible the bureaucracy and red tape these people will have to deal with to get a home built and they’ll be lucky to have a home in 5 years.

 

[Bobby V]

Interesting being that John Kobylt from KFI spent an hour interviewing people earlier this week on his show about the lack of permits issued and the backlog of applications so far. They probably got inundated by the listeners about it and approved something this week. Supposedly there’s a ton of permits that are waiting but being dragged out. No idea how accurate that is.

It’s incredible the bureaucracy and red tape these people will have to deal with to get a home built and they’ll be lucky to have a home in 5 years.

Not sure it will take 5 years. I realize the Yorba Linda and Anaheim Hills fires years ago had a lot less homes destroyed then the Palasades and Altadena fires. But my neighbor and friends homes were rebuilt in 18-24 months. It’s probably best to submit there plans before everyone else does.

 

[rivrrts429]

Not sure it will take 5 years. I realize the Yorba Linda and Anaheim Hills fires years ago had a lot less homes destroyed then the Palasades and Altadena fires. But my neighbor and friends homes were rebuilt in 18-24 months. It’s probably best to submit there plans before everyone else does.

That’s what I’m saying. These people were saying the plans have been submitted but crickets.

Just the amount of traffic to build these homes is going to create an absolute gridlock, it already has.

My clients’ home burnt down. His house was on the water in Malibu. That further complicates the problem with the coastal commission. He’s way ahead of the curve and is still estimating 5-7 years.

Who knows what will happen in Altadena. I feel like those people have been forgotten.

 

[Backlash]

That’s what I’m saying. These people were saying the plans have been submitted but crickets.

Just the amount of traffic to build these homes is going to create an absolute gridlock, it already has.

My clients’ home burnt down. His house was on the water in Malibu. That further complicates the problem with the coastal commission. He’s way ahead of the curve and is still estimating 5-7 years.

Who knows what will happen in Altadena. I feel like those people have been forgotten.

I'm very curious to see how the Coastal Commission handles these building requests....... I'm not a betting man, but I would venture to say they're going to make it painfully impossible to rebuild those homes lost on the sand. Just my guess......

 

[bonesfab]

so one of my customers house survived the palisades fire. But they won’t let him stay there as all the “Hazordous“ materials are bad for him. So they are paying him 9k a month to stay somewhere else.

 

[LakeMeadLavey]

I have two different friends in the Santa Monica mountains who lost their homes in the 2018 Woolsey fire. They are just now nearing completion on their rebuilds 7 years later. Both said the process has been a nightmare.

 

[YeahYeah01]

I have two different friends in the Santa Monica mountains who lost their homes in the 2018 Woolsey fire. They are just now nearing completion on their rebuilds 7 years later. Both said the process has been a nightmare.

I believe it, had to deal with the permit department last year. Did a mold job, and we got stopped by code enforcement, said we need a permit to remove the drywall. No where in their online system does that exist, so submitted something that was close, then get a call from the permit person asking what it was for, told them removal of moldy drywall. Oh you need a permit to replace the drywall.... No I'm not replacing it, she said who is, I told them I don't know, not my contract, after I long ass zoom call explaining the mold remediation process, they say oh you don't need a permit for that, we just want to make sure we get one for the replacement, but again that's not my scope. I complained that why would code enforcement be put enforcing building permits if they don't even know what's needed, you lost me days of work, misplaced the resident for over a week over BS, but it gets you no where. Can't imagine trying to get a ground up permit.

 

[Mandelon]

so one of my customers house survived the palisades fire. But they won’t let him stay there as all the “Hazordous“ materials are bad for him. So they are paying him 9k a month to stay somewhere else.

Who is paying that $9,000 a month?

 

[bonesfab]

Who is paying that $9,000 a month?

Insurance I believe.

 

[Ol Man]

I have been following Adam Corolla's VLOG and it has been interesting. I am sure he is going to follow this story for quite a while. I can't wait until these folk have to deal with the Coastal Commission. His last three on the clean up I found interesting.

adam corolla vlog - Search Videos

www.bing.com

 

[EmpirE231]

Who is paying that $9,000 a month?

Would be through their homeowners insurance “loss of use” coverage…. But obviously has a claim open for it. They don’t just come and pay you if you didn’t open a claim / there was some sort of covered loss.