Here is a quick Video we had made about Fire Damage and your options.
Updates on the #CarrFire
Text 898211 and then send the Redding zip code and you will get updates texted to you.
Donations or Supplies:
Donations: North Valley Community Foundation: 100% of your donation (excluding online credit card processing fees) will go to Carr Fire recovery efforts.
Supplies: Check with your local Salvation Army, Churches or Red Cross to find out exactly what items are needed.
Disaster Recovery: A Guide to Financial Recovery: Tips
✦ Seek emergency housing. Call the Red Cross, your county office of emergency management, or other local disaster-relief organizations to guide you to shelters and temporary housing.
✦ Secure your property, if possible. If authorities allow you to enter your house or apartment briefly, remove valuables and important documents. If you can, make temporary repairs to prevent further damage, but avoid potential hazard areas until they are stabilized. The Red Cross or other organizations may be able to help you obtain materials for short-term repairs. Keep records of these repairs, because most insurance policies will reimburse you for the expense; or, if not, the expense may be tax deductible.
The following are just a few of the agencies and organizations that provide assistance to people affected by a disaster:
✦ FEMA. If you live in a county declared a major disaster area by the president, you may qualify for additional assistance and tax relief. For more information, contact the Federal Emergency Management Agency
(FEMA) at 1-800-621-FEMA (3362) or go to www.fema.gov.
✦ Red Cross. Call your local Red Cross chapter or go to www.redcross.org.
✦ Salvation Army. Call your local Salvation Army or go to www.salvationarmyusa.org.
✦ Volunteers of America. To find a local office, call 1-800-899-0089, or go to www.voa.org.
✦ National Voluntary Organizations Active in Disasters. This Web site lists other national and state organizations that can help. Go to www.nvoad.org.
✦ State and county offices of emergency preparedness. Look in the blue pages
(government section) of the telephone book.
Collecting Important Documents
Depending on your situation, you may need some or all of the following documents to file insurance claims, pay bills, take care of injured family members, or manage the responsibilities associated with a death.
✦ Birth certificate
✦ Death certificate
✦ Marriage certificate
✦ Power of attorney
✦ The living will or other medical powers
✦ Trust documents
✦ Social Security card/records
✦ Military records
✦ Medical records, including prescription information
✦ Insurance policies (life, health, disability, long-term care, auto, homeowners, renters)
✦ Checking and savings account statements
✦ Retirement account records
✦ Other investment statements
✦ Pay stubs
✦ Tax returns
✦ Car titles and registrations
✦ Mortgage/property deeds
✦ Rental agreement/lease
✦ Warranties and receipts for major purchases
✦ Credit card records
✦ Other loan records
✦ Safe deposit box information (location and key)
✦ Notify your insurance company of your loss and get advice about making emergency repairs. Ask the insurance company if it will pay for living expenses, such as a motel, food, and laundry if you are unable to live in your home. The company may give you a check up front. Find out if this payment for living expenses will reduce the amount you ultimately receive for damages to your property or possessions. Tax note: Insurance proceeds used to repair or replace property are tax-free in most cases; however, reimbursements you receive for living expenses may be taxable.
I don’t have enough cash. Now what?
Contact the Red Cross, and if you are in a major disaster area, call FEMA. One of these organizations may be able to guide you to sources of emergency cash assistance. Tax note: You may receive emergency cash assistance from federal, state, or local government following the declaration of a disaster by the president, state, or local government. The money generally is not taxable.
Managing a Property Loss
When disaster strikes, it may involve personal loss, property loss, or—very often—a combination of both. Much of this booklet focuses on regaining financial stability after disasters that have resulted in personal injury, disability, or death. This chapter provides additional recovery tips, relating more specifically to property losses.
Reconstructing Lost Records
My records were destroyed in the disaster. How can I reconstruct them?
Use the following suggestions to reconstruct lost or damaged records so you can file insurance claims, support tax deductions, or apply for government support
look through catalogs or newspaper want ads to estimate the fair market value of damaged or destroyed items.
✦ Consult a car dealer, search the Internet or go to your local library to determine the current value of vehicles.
✦ Check with your county property tax assessor to determine the value of land versus building values.
✦ Get a copy of the escrow papers for your home from your real estate agent, the title company, the escrow company, or the bank that handled the purchase or refinance.
✦ Contact lenders or contractors to determine the value of any home improvements you’ve made.
✦ Check court records for the probate values of property you may have inherited.
✦ File Form 4506, Request for Copy or Transcript of Tax Form, with the IRS to obtain previous federal income tax returns. A small fee may be charged for this service. If someone else prepared your tax returns, contact that person to request copies.
How can I get a quick, fair settlement from the insurance company?
The following tips can help:
✦ Collect all policy numbers and insurance company phone numbers. Plan to file a claim even if your home or property is not covered for the type of disaster that occurred because consequential damages may be covered.
✦ Find out how the company will process claims. If the damage is widespread, the company may set up special procedures and send extra personnel and claims adjusters.
✦ Make an accurate list of the damage. Ask your friends, neighbors, and family members to assist you in preparing the list. Use the list when you file a claim to prove that a loss took place and to confirm the value of the loss. Start with a preliminary list of damaged property and the degree of damage to each item. If possible, photograph or videotape the damage. Check the list against any inventory you may have made before the disaster occurred, or make a pre-disaster inventory from memory.
To jog your memory for items you had before the disaster, walk the aisles of local stores, look at newspaper want ads, or leaf through catalogs. Surviving photographs or videotapes were taken in and around your home also may help. If necessary, draw floor plans or sketches of your home’s interior. Repeat the process in two or three weeks, because it’s likely you will remember additional items. Important: Don’t consider your first list to be the final one. Give yourself time to remember additional items later.
✦ Collect all available receipts, canceled checks, credit card statements, and invoices to prove the value of lost possessions, including big-ticket items such as computers or jewelry. You also may request copies of monthly statements from your bank and credit card providers.
✦ File claims as quickly as possible. As soon as you have a list of damaged or destroyed property, file the claim. Claims generally are settled in the order received, although the most severe cases may receive the highest priority.
✦ Erect an identifying sign on your property if destruction is severe and widespread. If it will be difficult for a claims adjuster to identify your property, a sign with your name, street number, insurance company, and a way to reach you can speed up your claim.
Will I always work with a claims adjuster?
If the loss is small, you only may be required to provide the insurance company with a simply written estimate for the cost of repairs or replacement. More extensive losses usually are handled by a claims adjuster. The following suggestions can help ensure that the adjuster’s estimate of damages is complete and accurate:
✦ Give your adjuster a list of all damages, but note in writing that it’s only a partial list. You may remember more later.
✦ Fully explain all losses and be sure the explanations are written down by either you or the adjuster.
✦ Take notes of all conversations with the adjuster and follow up with letters to the insurance company confirming the conversations. This increases the chances of getting a fair settlement, but it also may delay a settlement.
✦ Compare notes with neighbors. What are their adjusters saying? Remember, however, that policies and coverage vary.
✦ Bring in additional adjusters if you’re not satisfied with initial damage estimates. If necessary, hire a structural engineer. Keep in mind, however, that this will cost you more and may cause a settlement delay. You also can hire an independent claims adjuster if it’s a special situation. These professionals can spot claims that home-owners might overlook, especially if the claim is complex or involves a lot of money. Generally, they charge 10 percent of a settlement. Use the same care and caution in hiring a claims adjuster as you would in choosing any other contractor.
MAKE SURE THE CONTACTOR YOU USE IS LICENCED, BONDED, AND INSURED. Check with he http://www.cslb.ca.gov/
What should I keep in mind about settling claims?
Don’t feel pressured to settle a claim until you are satisfied with it. Here are some additional tips:
✦ Use your list of damaged property and possessions to be sure the settlement offer is fair.
✦ Appeal an adjuster’s settlement offer to higher company management if you feel it’s necessary, or try to settle through independent mediation or arbitration.
✦ Don’t accept settlement checks as “final.” You may need to file additional claims later. Keep your right to future payments open until time limits set by your policy require a final settlement. Consider seeking legal advice before signing any waiver that addresses accidents or mishaps other than natural disasters.
✦ Put your settlement funds in safe, short-term investments until you need them.
✦ In general, losses are deductible if, in one year, they total more than $100 and more than 10 percent of your adjusted gross income.
✦ Keep documentation to prove that a loss took place due to a specific disaster, the dollar amount of the loss, and who owns or is liable for the property. Some costs of documenting your loss, such as appraisals or photographs, may be tax deductible.
✦ You cannot deduct losses that are covered by insurance or emergency aid assistance.
✦ Be aware that special casualty loss rules apply in a federally declared disaster area. For example, you can amend your previous year’s tax return to report current losses instead of waiting to report the losses on your current year’s return. This gives you a quick refund (generally within 45 days) of taxes you’ve already paid. Also, tax filing deadlines and payment schedules may be extended in a federal disaster area.
How can I find a reputable contractor?
Make sure repairs are done according to local building codes.
✦ Be wary of contractors claiming “I can get to you right away and do it cheaply.”
✦ Ask to see proof of necessary licenses, building permits, and a certificate of insurance covering liability and workers’ compensation. Write down the license plate number and driver’s license number of someone offering services in case you have to report a problem later.
Disaster Recovery: A Guide to Financial Issues was written and produced for the American Institute of Certified Public Accountants (AICPA) and the American Red Cross as a public service.
Address: Redding CA Area
Local Phone Number: (530) 776-6200
General Email: email@example.com
Hours Emergency Services: Open 24 hours/ 365 days per year
Residential and Commercial Fire Damage & Smoke Damage Restoration and Cleaning Services in Redding, CA. #carrfire victims
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Residential and Commercial Restoration and Cleaning Services
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