Showing posts with label fire. Show all posts
Showing posts with label fire. Show all posts

Friday, September 10, 2010

San Bruno fire kills 6, destroys 53 homes

Evacuees from San Bruno, California talk about the explosion and fire that left at least six people dead and 53 homes destroyed.

by Broderick Perkins
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Deadline Newsroom - A massive fire roared through a mostly residential neighborhood in the San Francisco suburb of San Bruno after reports of a large gas line explosion.



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Broderick Perkins, an award-winning consumer journalist, parlayed 30 years of old-school journalism into a digital real estate news service, the San Jose, CA-based DeadlineNews Group, including DeadlineNews.Com, a real estate news and consulting service and Web site, and the Deadline Newsroom, DeadlineNews.Com's news back shop.

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Perkins is managing editor of HomeAway.com's Gulf Coast Response Center.

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Wednesday, February 13, 2008

SoCal Wildfire Recovery Update

Since last year's wildfires in Southern California destroyed 2,200 homes, home owners have found relief from some unexpected places.

by Broderick Perkins
© 2008 DeadlineNews.Com

Deadline Newsroom - What does the housing slump, home builders and Garth Brooks have in common?

They've all provided benefits for Southern California's 2007 wildfire victims.

Since last year's wildfires in Southern California killed 10 people, charred 800 square miles and destroyed 2,200 homes, home owners have found relief from some unexpected places.

With Southern Californian's slumping housing market sending builders back to the drawing board, homeowners have found subdivision builders willing to take on single-site projects.

Mick Pattison, head of Barratt American said the slow down in home building has freed up builders to help wildfire victims quickly rebuild lost homes. He also said the misfortune of others was also creating jobs for construction workers.

The Associated Press reported homeowners have accepted offers from developers offering new custom homes at a discount. Home owners are also using insurance money to buy existing tract homes in locations other than original home sites.

California law, enacted after wildfires in 2003, allows fire victims to use their full policy coverage amount to build or buy elsewhere.

Insurance companies have moved quickly too, already paying out $1.27 billion for wildfire damage. That's more than half the $2.26 billion in total claims filed.

The Northridge, CA-based Community Assisting Recovery nonprofit reported insurance claims processing speed was the fastest ever following a wildfire in the Golden State's southern region.

Insurance company complaints are few with less than two dozen related to underpayment by insurers. That's far fewer than complaints filed after the 2003 fires.

Reconstruction is fastest in hardest hit San Diego County where losses from wildfires reached nearly $1.2 billion. Some $1.1 billion in claims have been paid, according to
California's Department of Insurance.

Putting songs in the hearts of wildfire victims, country-western giant Garth Brooks recently put his retirement on hold and performed a series of concerts in Los Angeles' Staples Center. He pledged more than $3 million to the wildfire relief effort.

Brooks, from Oklahoma, said he's experienced grass fires and was familiar with the devastating effects of wind and fire but was moved to perform the benefit because he'd never witnessed anything like the Southern California Fires.

San Bernardino County suffered $276 million in losses; Los Angeles County, more than $101 million; Orange County, more than $29 million; Riverside County, $9.2 million and Ventura nearly $3 million.

The wildfires resulted in 37,117 insurance claims filed.

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Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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Sunday, December 23, 2007

SoCal Wildfires Won't Scorch Insurance Premiums

by Broderick Perkins
© 2007 DeadlineNews.Com

Deadline Newsroom - There's some good news on the home insurance front.

After disaster hits, you expect homeowners insurance policy rates to rise, but that's not what's happening in California.

Southern California's devastating wildfires damaged or destroyed more than 2,000 homes. But analysts say there's little if any chance homeowner policy costs will rise.

How's that possible?

Industry preparedness and strong consumer protection laws are sheltering homeowners from higher insurance rates following the Southern California wildfires.

California insurers understand the risk of California wildfires and plan for the danger. Insurers reserve premiums and invest in reinsurance to give them the ability to pay claims after wildfires and other disasters, according to Insurance & Technology, an analyst for the insurance and technology industries.

And credit rater, Moody's Investor Service agrees that the insurance industry's financial stability will remain sound after the claims are paid.

California also enforces strong consumer protection law which forbids insurers from refusing policy renewals after a declared state of emergency.

Insurers are often seen as the bad guys, but Insurance & Technology reports technology helped California's insurers quickly respond in the field to wildfire claims.

After the California wildfires, several insurance companies imposed a freeze on cancellations of policies held by delinquent home owners. Others processed claims for homeowners whose policies had lapsed.

And still another company offered to rebuild some homes according to stronger "green" building code standards -- at no additional costs to the policyholder.

Southern California's wildfires scorched some 500,000 acres, resulting in nearly 23,000 insurance claims -- for auto and commercial policies, as well as homeowners policies.

Some of the losses were devastating. But, for the most part, homeowners suffering losses needn't worry about extra insurance costs.

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© 2007 DeadlineNews.Com

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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Thursday, December 13, 2007

Burning Down The House

by Broderick Perkins
© 2007 DeadlineNews.Com

The Deadline Newsroom - Insurance fraud investigators say they are bracing for an outbreak of home arsons set by cash-strapped homeowners looking for insurance money to escape from foreclosure.

Homeowners who resort to such tactics face felony charges including arson, conspiracy and fraud. The charges could be much greater if someone is harmed. If the charges stick, homeowners who set their homes ablaze likely will be jailed.

Coalition Against Insurance Fraud says the illegal tactic is not new, but the coalition fears current market conditions could trigger a home-based arson outbreak beyond normal levels.

Falling home values and tighter lending rules are making it difficult for many people to refinance their way out of trouble, get loan work outs or otherwise escape foreclosure.

The number of alleged mortgage-related arsons remain small, but this year the number jumped 50 percent above the 2006 rate in California, according to the coalition.

"I don't believe that it's had time to ripple through the market yet to the point that many people have reached the point of desperation, but I absolutely think it's coming" says Alex Ahart, a fire investigator with EFI Global, an insurance claims investigator.


The coalition has recorded a few home torching incidents, including a Houston, TX home owner who allegedly set his home ablaze after allegedly spray-painting racial slurs on the exterior to disguise his actions as a hate crime.

A Google News search turns up a host of home arson-for-insurance reports.

Fire officials suspect arson in a vacant home fire that killed an unidentified male in recentLathrop, CA. The house was in the early stages of foreclosure.

In Putnam County, IN the prosecutor says a home owner offered a neighbor $5,000 in a home arson-for-insurance scam.

Instead of participating, the neighbor told police of the scheme. And court records reveal a bank had filed for a mortgage foreclosure on the rural home.

In related news, Central Florida law enforcement officials have tied an unusual crime spree of auto arsons to the housing market as homeowners try to "burn off" excess debt in order to make the mortgage payment.

The right way to approach an impending default on a mortgage payment or foreclosure isn't with a box of matches. At the first sign of trouble, work closely with the lender for a workout or refinance or seek other assistance, consumer experts advise.

More Foreclosure News That Really Hits Home

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© 2007 DeadlineNews.Com

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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Monday, November 5, 2007

Renters Without Insurance Risk Future Homeownership

by Broderick Perkins
© 2007 DeadlineNews.Com

Deadline Newsroom – Refugees from home ownership now forced to rent could be setting themselves up for another financial disaster if they avoid renter's insurance to pinch pennies in order to quickly save up and return to home ownership.

All renters should have an insurance policy to cover their possessions because, should a disaster hit home, the cost to replace those items will put home ownership that much further out of reach.

But that's not all.

If you are held responsible for an injury to someone in your home or someone's property in your home, without the liability coverage provision of a renter's policy, your current and future earnings could be at risk. You'll also have to foot the bill for any legal defense you could need.

A renter's policy can also put a temporary roof over your head while damage to your rental home is corrected. Policies come with some limits but typically cover the difference between your additional living expenses and your normal living expenses.

Unfortunately, most renters, 58 percent, don't bother to buy renters insurance, according to an Apartments.com survey.

Most of them, more than 70 percent, know better and believe the insurance is important to piece of mind when renting, but say cost is a big reason they forego the coverage.

Apartments.com said 40 percent of those responding to the survey said cost is the reason they decide not to buy the coverage. However, an additional 24 percent of respondents said they were unaware that renters insurance exists.

The Insurance Information Institute reminds renters that because the property owner's policy covers the structure and common area and renters insurance covers only the value of the renter's belongings, renters insurance premiums are relatively cheap.

Shop around.

Apartment.com also found that an additional 18 percent of renters said the value of their personal belongings wasn't enough to warrant coverage.

That's an oversight because renters insurance doesn't just replace property but provides protection from liability claims, loss of use and in some cases, involuntary unemployment insurance in the event of a job loss.

Apartments.com says some management companies and property owners mandate the coverage because of the value provided those covered. Twenty percent of renters said they are required to have a renters policy to live in their current home.

Also, 36 percent of those responding to the survey said they'd be more inclined to rent an apartment with an insurance requirement.

There's a certain value to a community that can retain residents even after events that trigger insurance benefits.

Renters insurance typically provides coverage for possessions lost to fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Liability covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and it pays legal defense costs if you are taken to court.

Renters can choose between two basic types of policies:

• Actual Cash Value pays to replace possessions minus a deduction for depreciation up to the limit of your policy.

• Replacement Cost pays the actual cost of replacing your possessions (no deduction for depreciation) up to the limit of your policy.

Floaters are also available to boost limited standard policy coverage, especially for items such as jewelry, silver, furs, collectibles, and some computer equipment and work-at-home related items. Floaters also cover perils not included in your policy such as accidental loss, according to the insurance institute.

Renters Get A Breather
Rents Inflated By Owner-Occupied Slowdown

© 2007 DeadlineNews.Com

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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Tuesday, October 30, 2007

SoCal Wildfire Victims Get Tax Relief

by Broderick Perkins
© 2007 DeadlineNews.Com

Deadline Newsroom – Southern California's wildfire victims now have some tax relief in the form of extensions on their federal tax return filing and payment deadlines and waivers of certain penalties and fees.

Similar relief is available from California's tax collectors for residents in the presidentially declared disaster areas of Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura counties.

Wildfires raging in the SoCal area for more than a week, killed 14, destroyed nearly 2,000 homes, scorched more than 500,000 acres and led to five arson arrests. By Oct. 30, 16 fires were contained and seven active fires remained, down from more than a dozen at the peak of the conflagration.

Wildfire victims earlier received notice of federal housing, rebuilding, mortgage and foreclosure relief, among other assistance.

The extended federal tax deadline applies to items due on or after Oct. 21, 2007 when wildfires began and gives eligible residents until January 31, 2008 to file returns, pay taxes due and perform other time-sensitive acts.

This includes the federal withholding tax return, Form 941, normally due Oct. 31, and the estimated tax payment for the fourth quarter (say for those with a home-based or other business), normally due Jan. 15.

Affected taxpayers in a presidentially declared disaster area also have the option of claiming disaster-related casualty losses on their federal income tax return for either this year (filed next year) or last year, by filing an amended return.
IRS Publication 547, "Casualties, Disasters and Thefts" explains how to figure a casualty loss deduction.

Affected taxpayers claiming the disaster loss on last year's return only should put the Disaster Designation "California Wildfires" in bold red ink at the top of the form so that the IRS can expedite the processing of the refund.

Including the designation isn't necessary for tax returns filed at the normal time, say next year for this year's taxes and losses, because the IRS computer systems automatically identify taxpayers located in official disaster areas and apply automatic filing and payment relief.

If any affected taxpayer receives a penalty notice from the IRS, the taxpayer should call the number on the notice to have the IRS abate any interest and any late filing or late payment penalties that would otherwise apply during the period from Oct. 21, 2007, to Jan. 31, 2008. Penalties or interest is not waived for taxpayers who don't have a filing, payment or deposit due date, including an extended filing or payment due date, during this period.

California's Franchise Tax Board, charged with administering state personal income tax and other levies, also offers the option of filing an amended return for casualty losses or including the loss in this year's tax return. The state form providing more information is "FTB Pub. 1034: Disaster Loss."

California's Board Of Equalization (BOE) , charged with administering the state's property, sales and use taxes, among others, is providing an extended deadline of one month on tax filing and payment deadlines and relief from some penalties and interest due to late filing by eligible taxpayers. Additional information is available on the board's "Disaster Relief - Frequently Asked Questions (FAQ)" Web page.

Free copies of past tax returns are also available from the IRS and state tax offices.

California Fire Victims Obtain Fast Housing, Disaster Assistance
Legacy of Living In A Hot Spot
Homeowner Insurance Policies Hold Surprises
What Your Homeowners Insurance Does, Doesn't Cover

© 2007 DeadlineNews.Com

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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Tuesday, October 23, 2007

The Legacy Of Living In A Hot Spot

by Broderick Perkins
© 2007 DeadlineNews.Com

Deadline Newsroom – California's largest residential evacuation ever – some 1 million Southern California residents fleeing more than a dozen wildfires churning smoke and burning embers this week – is a life-style legacy.

It's a legacy of more than 500,000 acres burned, 70,000 homes threatened, 1,500 homes and other structures destroyed, 1 death and more than 50 injuries – so far.

If it was only the one, past dry winter that transformed California into a tinderbox, homeowners could pray for rain.

In reality, for those who insist on living in fire-prone areas, building fire-resistant homes may be a more pragmatic, long-term approach.

Weather and climate forecasters earlier this year warned of more of the same hot, dry weather, perhaps for years to come. With it comes the threat of a greater number of more powerful conflagrations.

The National Drought Mitigation Center (NDMC), at the University of Nebraska at Lincoln, said earlier this year persistent drought conditions spreading in California are to blame for this year's extended fire season.

Rather than rare or random, drought is a normal, but temporary aberration, unlike aridity -- a permanent condition of some climatic regions, such as deserts. Drought comes and it goes as a result of a precipitation deficiency or sufficiency over an extended period of time, typically a season or more, according to the NDMC.

But climate change due to global warming may be causing longer, hotter droughts.

"Although we don't know how climate change will affect regional water resources, it is clear that water resources are already stressed, independent of climate change, and any additional stress from climate change or increased variability will only intensify the competition for water resources," reports NDMC in "Drought And Climate Change".

But those always-arid regions – deserts – are spreading too.

The United Nations Environment Programme's (UNEP) "Global Deserts Outlook" says even as global warming is beginning to cause higher sea levels to nip at the coastlines, higher temperatures also generate "desertification," pushing the desert frontier out, closer to populations centers typically situated on the desert fringes.

UNEP reports that the overall desert temperature increases of between 1 to 3 degrees Fahrenheit over the period from 1976 to 2000 has been much higher than the average global rise of 1 degree during the same period.

"This is our legacy. We live in a drought and we build housing too close to brush areas and we're shocked when this happens. This is not an accident. This is not an act of God. This is an act of man," said Jamie Lee Curtis, a keynote speaker at the Long Beach, CA Women’s Conference 2007 this week.

While even a steel-reinforced bunker isn't fire proof, building and fire officials say you can build into your home a greater level of fire resistance to protect it from a fiery fate -- if only long enough to escape or for firefighters to arrive.

The key is combining fire safe landscaping with fire resistant materials.

Fire prevention and protection experts say if you live in a high fire risk area you should have a defensible perimeter around your property of at least 30 feet. Keep the area clear of dead vegetation, space trees, prune over hanging branches, maintain soil moisture and keep lawns irrigated. Trees and brush should be well trimmed out to a 100-foot perimeter. Same jurisdictions mandate the fire safety steps.

When it comes to building materials, use only those manufactured to American Society of Testing and Materials (ASTM) standards and assembled following International Conference of Building Officials' (ICBO) building codes or the local variation.

The Fire Safe Council says building a new home is the best time to build in the most fire safety, but retrofitting for fire safety is just as smart.

• Roofing. Your home's strongest line of defense is a Class A roof. Most fire resistant Class A roofs are made of aluminum, steel, concrete, clay or slate. Such a roof is especially protective in a foliage-borne fire that rains hot embers. Uncomplicated roof design using a simple hip or straight gable roof provides greater protection than roofs with intersecting planes and valleys. The latter forms dead air pockets and eddy currents that help fan the flames of a fire.

• Ceiling, Walls, Floors. Building codes typically require fire-resistant gypsum wall board in certain locations in a home, including between a garage and the main house. Consider using it elsewhere, in walls, floors and ceilings to help create a fire barrier.

• Exteriors. Stucco, stone, masonry and other exterior materials are better than wood at preventing fire from intruding into the walls. Metal siding also provides greater fire protection, but you must take measures to reduce a wicking effect that can allow condensation to develop and deteriorate material behind the siding.

• Windows. During many California wild fires, the exterior pane of some energy-efficient dual-glazed windows cracked, but the interior pane held. Consider upgrading old windows with newer dual- or triple-glazed windows.

Tempered glass is even more resistant to high heat. It's the glass used in patio doors and in front of fireplaces, for good reason. Low emissive (Low-E) coating builds in even more fire resistance because it reflects infrared and ultra violet light -- heat rays. In a wild land fire it helps stop the radiant energy transfer to combustible materials that are behind the glass such as drapes or wood furniture and walls. Tempered glass with Low-E coating will stay intact longer and transfer less radiant energy to combustibles behind it.

Glass block is another option, provided you don't mind losing your view. Use it where only day lighting is needed, view is not a factor, and the window faces a very high fire hazard.

• Don't overlook shutters -- metal ones. Real shutters that swing into play, not decorative shutters can add extra protection to a widow in a fire as well as wind storm. If they are metal they will not ignite. You will, however, have to swing them shut in a timely manner, should a fire approach.

• Doors. Like roofing materials, doors are also fire-rated. Solid wood doors are stronger than hollow ones. Metal doors are best. In any case, a good fire resistant door requires adequate weather stripping so that the seal prevents hot gasses or burning embers from entering the building.

• Design. Flames can snake beneath decks, eaves and into crawl spaces. Common in many panoramic regions, decks ironically offer a view of what heightens the fire hazard -- ranges of towering, and potentially explosive evergreens.

First, most decks are highly combustible structures. They trap heat and hot gasses. To take in the unobstructed view, they often face downhill, looking out on a fire's approach. They effectively and openly invite the fire into the home. Decks also are built perfectly to burn, much in the same way you would stack wood in a fireplace. Adding fuel to the fire, the components of a deck, joists, decking and railings, are made of only two-inch-thick wood giving the structure the high surface-to-volume ratio fires quickly devour.

Build decks with only the most fire-resistant materials and create barriers by closing in the deck, screen vents, eaves and crawl spaces to ward off burning embers. You can isolate the deck from the fuels and fire by building a noncombustible patio and wall below it. The patio prevents combustible materials from getting below the deck. The wall helps shield the deck from both the radiant and convective energy of the fire.

• Additional considerations. Fire and building officials say consider installing residential sprinkler systems if you are improving or building homes in fire prone areas. Sprinklers reduce the risk of fire deaths by 75 percent when combined with a smoke detector.

Check with your insurance company, but some of the steps you take to protect you home from fire can give you a discount on your homeowners policy.

Where There's Fire, There's A Smoke Threat
Global Warming Hits Home

© 2007 DeadlineNews.Com

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.



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