LA wildfires

[LABILLBACKER]

47 minutes ago, Special K said:

 

That's the same thing that is happening in Florida because of Hurricanes and flooding......people who never missed a payment or even put in for a claim are getting dropped left and right......a shameful practice by the Insurance companies.

 

Couldn't believe the winds were 90-100 mph....the peak wind gust for me during Hurricane Milton was 70mph, and those winds were not pushing fire everywhere....terrible situation, and I hope you and yours stay safe along with all of our California Bills fans.

Yup, last night about 2 miles from where I live there was a gust registered at 99.

[HardyBoy]

Anyone know if Josh Allen's house is at risk at all? 

[Bad Things]

5 hours ago, LABILLBACKER said:

I've lived in LA 66 years and I've never seen sustained winds 60-80 mph like this for 2 days. I'm evacuated and hoping the Eaton fire calms down.  Going to be a rough night.

All the best to you, brother.

Kia Kaha

[Utah John]

The closest NFL stadium would be in Las Vegas, and since the Raiders aren't using it...

6 hours ago, Dr.Sack said:

Play the game in Sandy Eggo former chargers stadium or Arizona Cardinals or Vegas.

Has San Diego kept up its stadium?  As I recall a big reason for the Chargers to move back to LA (where they started in 1960) was the poor stadium in San Diego.

 

The stadium in Las Vegas is certainly in good shape and should be available.  

[WotAGuy]

18 minutes ago, Utah John said:

The closest NFL stadium would be in Las Vegas, and since the Raiders aren't using it...

Has San Diego kept up its stadium?  As I recall a big reason for the Chargers to move back to LA (where they started in 1960) was the poor stadium in San Diego.

 

The stadium in Las Vegas is certainly in good shape and should be available.  

San Diego razed the old stadium and NFL already announced Arizona’s stadium will be the venue if they move the game.  

[Utah John]

6 hours ago, WotAGuy said:

It was crazy how the wildfires in Canada a couple years ago affected air quality here in the states. It was really noticeable for a week or more a couple different times. 

Does the San Diego Stadium still exist?  I thought it was ready to be razed?

Edit: yup; it’s gone. 

We lived in Fairbanks, in the interior of Alaska, for four years.  Every summer, was fire season, and the area consumed by fires was enormous, many times the area in southern California that's burning now.   Even though the fires were miles away, the smoke was thick everywhere.

[WotAGuy]

1 minute ago, Utah John said:

We lived in Fairbanks, in the interior of Alaska, for four years.  Every summer, was fire season, and the area consumed by fires was enormous, many times the area in southern California that's burning now.   Even though the fires were miles away, the smoke was thick everywhere.

Earlier yesterday, the satellite images for SoCal showed smoke plumes going out hundreds of miles over the ocean. I guess they couldn’t do any airborne firefighting due to the high winds on Tuesday. 

[North Buffalo]

5 hours ago, LABILLBACKER said:

Yup, last night about 2 miles from where I live there was a gust registered at 99.

Be safe, last night my cousin texted me a pic of a house burning a block away from

his in Santa Monica... not good.  He and his family are safe but he may/likely will lose his house.

Edited 7 hours ago by North Buffalo

[SectionC3]

6 hours ago, LABILLBACKER said:

I spent 30 minutes taking pics of every room and cabinet inside our house in case our insurance company wants to screw us. Besides so many insurance companies were abandoning California customers left and right.  After this disaster,  no one will be able to get insured...period.

I thought about this last night.  I'm sorry that you (and others) have to endure this.  I read an article (maybe in the WSJ) a little while back about people bucking the trend of getting homeowners insurance.  The basic premise was that the price of the insurance is such that it's worth the risk not to get that coverage and to hope that the house survives undamaged for the length of the mortgage (and beyond, I suppose).  I couldn't help but wonder how many people lost that bet this week.  It's very sad.  

[boyst]

Amazing on the difference of coverage between this and Helene thanks to readily available cameras etc. 

[Captain Hindsight]

10 hours ago, QCity said:

It looks like Hiroshima 

[bills742]

8 hours ago, HardyBoy said:

Anyone know if Josh Allen's house is at risk at all? 

Josh's house is in Dana Point which is in Orange County and much farther south.

[RkFast]

9 hours ago, Special K said:

 

That's the same thing that is happening in Florida because of Hurricanes and flooding......people who never missed a payment or even put in for a claim are getting dropped left and right......a shameful practice by the Insurance companies.

 

Couldn't believe the winds were 90-100 mph....the peak wind gust for me during Hurricane Milton was 70mph, and those winds were not pushing fire everywhere....terrible situation, and I hope you and yours stay safe along with all of our California Bills fans.

 

Be careful, theres a big difference between being dropped and a nonrenewal. Unless the laws in FL and CA are different, in NY an insurance company cant just cancel coverage unless theres a failure to pay the premium or something like that. Otherwise, they just dont renew the policy and they must provide at least 60 days written notice of such. Technically with a nonrenewal youre still being "dropped" but youre not losing coverage tomorrow or anything like that. Thats often the implication with stories like that...like the one going around on X about the "90 year old couple that lost their insurance a month ago." There is no way that couple was doing nothing wrong and their insurance company knocked on their door last month unannounced and said "sorry, as of today no more insurance for you."

 

Heres the thing about it though, which I just learned....insruance companies would be happy to raise rates and keep you as a customer. But they cant. They have to ask the state regulators to raise rates and quite often they are told no by the state. So their choice is to either keep high risk customers and lose tons of money or just dont renew their policies. GEICO stopped writing policies in NYS completely for a time becuase there was no way they could do it and not lose their shirts, give nthe fact the state was making them keep their rates artificially low. Yes higher rates suck but at least you would still have insurance. 

 

Dont get me wrong, they are still greedy bastards. Its hard to hear the insurance companies cry about empty pockets and tell you "sorry, we cant cover your auto insurance anymore becuase you had one too many $750 glass claims", but then see their massive sports sponsorships and commercials every ten seconds. I looked it up...the top insruance companies all spend over $1 BILLION a year on marketing and advertising. Im going through this right now, actually! Hence, this rant.  Im sure this situation is more complex but this is at least my undersanding of it. 

Edited 4 hours ago by RkFast

[North Buffalo]

Miraculously as we head out there to see my 90 year old Dad my cousins house is still standing... but they cant get near it right now.

[SoCal Deek]

10 minutes ago, North Buffalo said:

Miraculously as we head out there to see my 90 year old Dad my cousins house is still standing... but they cant get near it right now.

What part of SoCal is your Dad at?

 

[Brand J]

Insurance companies are more than happy to rake in your money for decades, but in the event you should need it they don’t want to pay a dime.

[Simon]

1 hour ago, RkFast said:

 

Be careful, theres a big difference between being dropped and a nonrenewal. Unless the laws in FL and CA are different, in NY an insurance company cant just cancel coverage unless theres a failure to pay the premium or something like that. Otherwise, they just dont renew the policy and they must provide at least 60 days written notice of such. Technically with a nonrenewal youre still being "dropped" but youre not losing coverage tomorrow or anything like that. Thats often the implication with stories like that...like the one going around on X about the "90 year old couple that lost their insurance a month ago." There is no way that couple was doing nothing wrong and their insurance company knocked on their door last month unannounced and said "sorry, as of today no more insurance for you."

 

Heres the thing about it though, which I just learned....insruance companies would be happy to raise rates and keep you as a customer. But they cant. They have to ask the state regulators to raise rates and quite often they are told no by the state. So their choice is to either keep high risk customers and lose tons of money or just dont renew their policies. GEICO stopped writing policies in NYS completely for a time becuase there was no way they could do it and not lose their shirts, give nthe fact the state was making them keep their rates artificially low. Yes higher rates suck but at least you would still have insurance. 

 

Dont get me wrong, they are still greedy bastards. Its hard to hear the insurance companies cry about empty pockets and tell you "sorry, we cant cover your auto insurance anymore becuase you had one too many $750 glass claims", but then see their massive sports sponsorships and commercials every ten seconds. I looked it up...the top insruance companies all spend over $1 BILLION a year on marketing and advertising. Im going through this right now, actually! Hence, this rant.  Im sure this situation is more complex but this is at least my undersanding of it. 

 

I just had my longtime insurance company refuse the renewal on my camp that they have been insuring for decades because suddenly it is now "too far from the nearest fire station". 

[Augie]

4 hours ago, SectionC3 said:

I thought about this last night.  I'm sorry that you (and others) have to endure this.  I read an article (maybe in the WSJ) a little while back about people bucking the trend of getting homeowners insurance.  The basic premise was that the price of the insurance is such that it's worth the risk not to get that coverage and to hope that the house survives undamaged for the length of the mortgage (and beyond, I suppose).  I couldn't help but wonder how many people lost that bet this week.  It's very sad.  

 

If you have a mortgage then insurance will be required to protect the lenders collateral. If you don’t have the property insured, they can and will force place insurance to protect themselves. That is never the cheapest way to go. 

[North Buffalo]

22 minutes ago, SoCal Deek said:

What part of SoCal is your Dad at?

 

Oceanside... going to watch Bills game down in San Diego on Sunday been down to that strip of Bars where Bills bar is forget the name

Edited 2 hours ago by North Buffalo

[eball]

Best wishes to any of you and your friends/family who are being impacted by this.  Just awful.