Marshall Fire in Superior CO

[Starbuck]

The Sheriff's press conference today is on the Boulder OEM page. Loss estimates reported are 553 homes destroyed and 45 damaged in Louisville; in Superior 332 homes destroyed and 60 damaged; in unincorporated county (from Marshall east) 106 homes destroyed, 22 damaged. Total of 991 destroyed, 127 damaged.

Three persons are unaccounted for and may be found as casualties when conditions allow search of their homes; 2 in Superior and 1 in the Marshall area.

Also from Sheriff Joe's same presser:

Downed power lines not the cause. Search warrant has been executed. More news soon.

Translation = a.r.s.o.n.?

Source here:

https://www.dailycamera.com/2022/01/...mes-destroyed/

[Wulf202]

As for insurance questions goes (for people who got affected).

I know some insurance company only covers rebuilding (my insurance at amfam) vs purchasing a new home.

Also how does ALE works?

https://www.investopedia.com/terms/a..._insurance.asp


Fire and casulty guys, please elaborate. ��

ale covers you while your home is being rebuilt. Renting a place. Paying for extra commute or budget differences. ADDITIONAL living expenses.

On total losses there's 10% above the structural amount for debris in amfam if I recall correctly.

If you lost above policy limits you start to earn back deductibles.

The reason you cant purchase a new home elsewhere is the dirt isnt covered in your homeowners policy. Structural is for the structure itself, lot prices are not covered. A home that you paid 500k for could have a structural policy of 300k if it were on a view property and be properly insured.

[Wulf202]

One important thing to add:

If you or your loved ones are involved in cleaning up the remains of people's property, make sure you all have properly fitting and adequate respirators and other PPE! Lots of things release really nasty stuff when they burn, especially a lot of household chemicals and materials - much of which is associated with lung cancer later in life.

Station someone to take photos of everything. This is hugely important in contents claims. Give an elderly person or young person a camera and put them next to the dumpster with instructions that nothing should go in that doesn't have a picture. Film is free.

[00tec]

ale covers you while your home is being rebuilt. Renting a place. Paying for extra commute or budget differences. ADDITIONAL living expenses.

On total losses there's 10% above the structural amount for debris in amfam if I recall correctly.

If you lost above policy limits you start to earn back deductibles.

The reason you cant purchase a new home elsewhere is the dirt isnt covered in your homeowners policy. Structural is for the structure itself, lot prices are not covered. A home that you paid 500k for could have a structural policy of 300k if it were on a view property and be properly insured.

My mortgage people send me a letter every few months because of that. They say "your mortgage is for $x, but you aren't insured for that". Guessing their computer isn't smart enough to know that my 38.5 acres of dirt really isn't going anywhere, short of an atomic bomb, but I'm a really shitty target.

[SSChameleon]

As for insurance questions goes (for people who got affected).

I know some insurance company only covers rebuilding (my insurance at amfam) vs purchasing a new home.

Also how does ALE works?


https://www.investopedia.com/terms/a..._insurance.asp


Fire and casulty guys, please elaborate. ��

ALE will vary by carrier and policy. The cheap home polices will have caps on ALE. State Farm has a policy that is ?actual loss sustained? so they will pay any increased expense (rent, mileage, food ordered out)

Replacement cost will also vary. Some carriers will require you to build on the same dirt, some will let you purchase elsewhere (but not pay more for location or quality of build upgrade) and the carrier will get the deed to your burned out lot.

This where many people will learn the difference between a $800 and a $2000 homeowner policy.

[.455_Hunter]

Interesting . . .

https://kdvr.com/news/local/could-th...marshall-fire/

"New video obtained by FOX31 may show another potential source of the fire: a burning shed along Highway 93. The video was taken before noon at the intersection of Highway 93 and 170, the initial area fire investigators are focusing on for the ignition of the Marshall Fire."

That is exactly the area I saw, but it was closer to 11 than 12.

[Wulf202]

ALE will vary by carrier and policy. The cheap home polices will have caps on ALE. State Farm has a policy that is ?actual loss sustained? so they will pay any increased expense (rent, mileage, food ordered out)

Replacement cost will also vary. Some carriers will require you to build on the same dirt, some will let you purchase elsewhere (but not pay more for location or quality of build upgrade) and the carrier will get the deed to your burned out lot.

This where many people will learn the difference between a $800 and a $2000 homeowner policy.

Based on my experience writing state farm claims it's the same ale as elsewhere. They have caps on ale. Its typically 10% of the dwelling coverage.

[Duman]

My wife and I had that conversation yesterday. We determined that there is no way our safe would survive what we saw out there. 3k Sq ft homes burned down to their slabs in minutes. That's some extreme heat.

A friend of mine lost his house during one of the California fires. His gun safe was intact, his firearms appeared to be OK. Until he attempted to manually cycle them. The slides were warped on most of his semi's. I would assume polymer framed guns would be a pile of goo.

[theGinsue]

One important thing to add:

If you or your loved ones are involved in cleaning up the remains of people's property, make sure you all have properly fitting and adequate respirators and other PPE! Lots of things release really nasty stuff when they burn, especially a lot of household chemicals and materials - much of which is associated with lung cancer later in life.

I have a friend who often volunteers for Samaritan's Purse. He went to Paradise, CA after a fire completely wiped that city off the map a few years back. All of the volunteers were housed several miles from where the fire occurred and before they began work, and several times throughout the day they had to gown up in tyvek coveralls, gloves, boots, goggles and high quality masks. Their job was to sift through the remains of homes to try to find anything left worth keeping for the homeowners. As Honeybadger said, the amount of toxic material in these destroyed homes was huge and sifting through the remains put a lot of that material into the air.

[Martinjmpr]

A friend of mine lost his house during one of the California fires. His gun safe was intact, his firearms appeared to be OK. Until he attempted to manually cycle them. The slides were warped on most of his semi's. I would assume polymer framed guns would be a pile of goo.

There was a guy on CO4x4 who lost his home in the Black Forest fire. He lost all of his guns that were in the gun safe. Most of his guns were loaded and cooked off rounds in the safe.