We have been wondering if we should buy flood insurance. Here is what we have learned so far. This info might be helpful to those with houses still standing in Big Tujunga who are concerned about flooding and debris.
Our house probably won’t have water coming in, but we are worried about mud and rocks. Flood insurance won’t cover mud and rocks unless it’s a cubic acre or more of it coming down (so the policy seems to say–another policy from floodsmart says ‘two acres’ of mud, but many landslides are specifically excluded–read it here ).
Another paragraph in the floodsmart policy says
“We do not insure for loss to any building or personal property located on land leased from the Federal Government, arising from or incident to the flooding of the land by the Federal Government, where the lease expressly holds the Federal Government harmless under flood insurance issued under any Federal Government program.”
All of these things make it pretty clear that we would not be covered by flood insurance unless our house was close enough to water to be completely inundated, so I asked about Fair Plan’s coverage.
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PRESS RELEASE – LOCAL ASSISTANCE CENTERS FOR L.A. COUNTY FIRE VICTIMS SET TO OPEN IN ACTON AND SYLMAR ON 9/17/09
PRESS RELEASE FOR IMMEDIATE RELEASE
Contact: Ken Kondo (213) 792-5128
LOCAL ASSISTANCE CENTERS FOR L.A. COUNTY FIRE VICTIMS TO OPEN ON THU., SEPT. 17 IN ACTON AND SYLMAR
LOS ANGELES (Tue., Sept. 15, 2009) – The Los Angeles County Operational Area in coordination with the U.S. Small Business Administration (SBA) and California Emergency Management Agency (Cal EMA) will open Local Assistance Centers (LACs) for the Los Angeles County fire victims in Acton and Sylmar beginning on Thu., Sept. 17. The LACs will serve as a one-stop source for disaster relief services, including information on how to replace records lost in the fire, file insurance claims and apply for assistance. The centers will provide a single place for the victims of the wildfires to receive help and get them on the road to recovery.
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The Declaration Process
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The Stafford Act (§401) requires that: “All requests for a declaration by the President that a major disaster exists shall be made by the Governor of the affected State.” A State also includes the District of Columbia, Puerto Rico, the Virgin Islands, Guam, American Samoa, and the Commonwealth of the Northern Mariana Islands. The Marshall Islands and the Federated States of Micronesia are also eligible to request a declaration and receive assistance. Continue reading →
By DHS – Federal Emergency Management Agency
RESPONSE AND RECOVERY
First RESPONSE to a disaster is the job of local government’s emergency services with help from nearby municipalities, the state and volunteer agencies. In a catastrophic disaster, and if the governor requests, federal resources can be mobilized through the Federal Emergency Management Agency (FEMA) for search and rescue, electrical power, food, water, shelter and other basic human needs.
It is the long-term RECOVERY phase of disaster which places the most severe financial strain on a local or state government. Damage to public facilities and infrastructure, often not insured, can overwhelm even a large city.
A governor’s request for a major disaster declaration could mean an infusion of federal funds, but the governor must also commit significant state funds and resources for recovery efforts.
A Major Disaster could result from a hurricane, earthquake, flood, tornado or major fire which the President determines warrants supplemental federal aid. The event must be clearly more than state or local governments can handle alone. If declared, funding comes from the President’s Disaster Relief Fund, which is managed by FEMA, and disaster aid programs of other participating federal agencies. Continue reading →