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IS YOUR HOME READY FOR A DISASTER? C O U R T E SY C A L F I R E & F E M A
E
nsuring that your insurance coverage is adequate and having an up-todate home inventory are essential tools in being financially prepared in case of a natural disaster or fire. Keep a copy of your home inventory in a firebox and with you Go Bag.
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Check your policy limits and coverage annually and make sure your policy reflects the correct square footage, features in your home and any recent improvements. Consider purchasing building code upgrade coverage. Keep a list of insurance contacts and policy details in your Go Bag. Include the information on the fillable Family Communication Plan provided in the Sept. 8 edition of Tahoe Weekly and available at TheTahoeWeekly.com. What’s covered | The details matter. Understand if you have a replacement cost policy that pays to replace all your items at current market price or an actual cash value policy that takes depreciation into account and pays less for aged items. Home improvements | If you make home improvements, be sure to update your coverage including for new countertops, floors, etc. Maintain insurance | If your home is paid off, be sure to maintain homeowner insurance. Without insurance, you likely won’t have the funds to rebuild. Renters insurance | Renters can lose everything in a fire and be left to start over. Many insurers bundle coverage with an auto insurance policy at affordable prices.
Download a Home Inventory Checklist
at TheTahoeWeekly.com
PREPARE A HOME INVENTORY
HISTORIAN & AUTHOR
MARK MCLAUGHLIN’S NEWEST BOOK - UPDATED EDITION
Order book at:
TheStormKing.com
or pick up a copy at: •
• Geared for Games • Word After Word Bookshop Donner Memorial State Park • Gratitude Gifts • Mind Play • Alice’s Mountain Market located at Squaw Valley
Group presentations · In-home talks (530) 546-5612 · mark@TheStormKing.com
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Filing insurance claims will be easier if you have an accurate home inventory by documenting the contents of your home. Use your smartphone to video your belongings, including vehicles and equipment. Keep your inventory and photos outside the home or stored in the cloud. Make an inventory | Video or photograph each room of your home. Remember to document drawers and closets. Don’t forget the garage and sheds. Download a Home Inventory Checklist from the National Association of Insurance Commissioners or download the app to make one on a phone. Document value | Keep a record or video of prices of items and where and when you purchased them. Make note of important or expensive items like electronics, appliances, sports equipment, TVs, computers, jewelry, etc. Save receipts | Save receipts for all major purchases and store in the cloud or a fireproof case. | ready.gov/plan, readyforwildfire.org
Cal Fire
CHECK INSURANCE COVERAGE
T
hese are challenging times for those being impacted by the wildfires burning around California and directly impacts the residents of the Tahoe Sierra. If you need help or want to help those in need, here’s some of the resources available to provide services and to accept donations.
AlertWildfire Camera Network Donations needed to support this network. | tahoeprosperity.org
Almanor Foundation Wildfire Relief Fund Aiding those impacted by the Dixie Fire. | almanorfoundation.com
American Red Cross The American Red Cross is staffing evacuation centers and providing support to victims of wildfires. Check the website for current evacuation areas. | redcross.org
Lake Valley Firefighter’s Community Relief Fund To support the immediate needs and efforts of Lake Valley Fire crews and other agencies. | bit.ly/3mX52iY
Placer Food Bank The Placer Food Bank is providing emergency food response/distribution to those impacted by fires. | donate.placerfoodbank.org
Philanthropy California Provides state-wide information for victims of wildfires. | philanthropyca.org
Project Camp A trauma-informed pop-up day camp that supports children and families affected by disasters. Enrolling kids who were evacuated during the Caldor and Dixie fires. Volunteers also needed. | projectcamp.co
Caldor Fire Recovery Eldorado County page with information on available services and assistance. | edcgov.us
food assistance and other family needs. | sierracommunityhouse.org
California Fire Foundation
Social Services
Victim assistance provided and donations needed. | cafirefoundation.org
California Office of Emergency Services State resources for housing assistance and other needs. | wildfirerecovery.caloes. ca.gov
El Dorado Community Foundation
Sierra Community House | Provides
California resources for assistance and services. | cdss.ca.gov/disaster-help-center
South Lake Tahoe Evacuation Resources Resources for lodging, transportation, pet services and more through City of South Lake Tahoe. | cityofslt.us/ evacuationresources
The El Dorado County Community Foundation set up a Caldor Fire Fund. All donations go to families and individuals impacted by the fire. | eldoradocf.org
Tahoe Coalition for the Homeless
Food Bank of Northern Nevada
Fund to support restaurant and bar workers. | tahoeprosperity.org
The Food Bank of Northern Nevada is offering food assistance for Caldor Fire evacuees. Donations are also needed. | give.fbnn.org
Hands 4 Hope Collecting monetary and supply donations for the Caldor Fire victims. | hands4hopeyouth.org/caldorfire
Hunger Relief Boxes Apply through Tahoe Food Hub at tahoefoodhub.org or make a donation to support its efforts at tahoefoodhub. networkforgood.com.
Works with the homeless and vulnerable residents. | tahoehomeless.org
Tahoe Together Caldor Fire Relief
Tahoe/Truckee Emergency Response Fund Tahoe Truckee Community Foundation relief fund. | ttcf.net
Tamarack Fire Assistance Applications now open for assistance at alpinecounty.com/give, (530) 694-2475 or stop by the Chamber of Commerce in Markleeville for a paper copy. Donations to the fund may be made at bit.ly/3zKAWmf –Katherine E. Hill
