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cover of episode Wildfire Wake-Up Call: How To Protect Your Home and Finances If Disaster Strikes

Wildfire Wake-Up Call: How To Protect Your Home and Finances If Disaster Strikes

2025/2/27
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin

AI Deep Dive AI Chapters Transcript
People
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Nicole Lappin
一位致力于财务教育和媒体的专家,通过多种平台帮助人们提高财务素养。
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Pamela Maass Garrett
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Susan Minamizono
Topics
Pamela Maass Garrett: 最近洛杉矶发生的野火,以及Nicole的亲身经历,提醒我们必须重视灾难对房屋和财务的潜在风险。即使没有直接受灾,也应该提前做好准备,确保保险能够在灾难发生时提供足够的保障。 我们今天邀请了保险律师Susan Minamizono来讨论如何应对房屋受损的情况,以及如何与保险公司沟通以获得应有的赔偿。 在节目中,我们还讨论了其他理财话题,例如如何使用NerdWallet的信用卡查找工具、Chime支票账户的优势以及Nutrafol护发产品的功效。 Susan Minamizono: 房屋受损后,房主应立即联系保险公司,索取完整的保单副本,并保留所有费用的收据。尽早获得重建估价,并与当地持牌承包商联系,可以加快重建速度。如果整个社区都受灾,可以考虑与邻居一起寻找批量建造商,以降低重建成本。 与保险公司沟通时,应保持专业态度,详细记录所有沟通内容,并发送总结邮件以要求对方书面确认。在社交媒体上发布信息时,也需要注意谨慎,避免影响保险理赔。 保险公司可能会低估重建成本或争论损失的原因,房主应据理力争,必要时可以联系州保险部门投诉或寻求法律援助。 在购买保险时,应购买尽可能多的保险,并注意保单中的免责条款。检查保单中的附加生活费用、个人财产保险等条款,并注意保单中的免赔额。如果可能,尽量购买有保障重置成本的保单。 房主应定期审查和更新保单,并在房屋发生重大变化时及时告知保险公司。建议每年或在保单续约时审查保单。 此外,房主还应该提前做好准备,例如制作完整的房屋清单,包括照片、视频和购买日期等信息。

Deep Dive

Chapters
This chapter provides immediate steps for homeowners after a wildfire, including contacting insurance, keeping expense receipts, and getting rebuild estimates. It emphasizes the importance of acting quickly to secure resources and position oneself for rebuilding.
  • Contact your insurance company and request a certified copy of your policy.
  • Keep receipts of all expenses (hotel, meals, etc.).
  • Start getting rebuild estimates from local licensed contractors or explore mass builders with neighbors for cost savings.

Shownotes Transcript

This week, Money Rehab is hosted by Pamela Maass Garrett, aka Law Mother, attorney and money expert.

The recent wildfires in Los Angeles have forced many families to face the unimaginable reality of losing their homes. But even for those who still have a roof over their heads, this is a wake up call. If disaster strikes, will your insurance company actually have your back? Today, Pamela is joined by Susan Minamizono, a lawyer who helps homeowners fight for the payouts they deserve. Whether you've lost everything in the fires, or just want to make sure your policy is solid, this conversation is for you.

Pamela Maass Garrett, aka Law Mother, is an attorney and money expert helping you grow and protect your wealth through her bestselling book Legally Ever After and her upcoming Wealthy Ever After book and app.

Find Pam’s freebies here: https://www.lawmotherco.com/moneyrehab)

Follow Pam here: https://www.instagram.com/lawmotherco/)

Learn more about Susan’s work here: https://lsw-legal.com/attorney/susan-minamizono/

The content in this episode is for entertainment purposes only, please consult an advisor before making any financial or investment decisions.

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org). Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf). See *public.com/#disclosures-main).