After California wildfires, neighbors face unequal recovery due to insurance crisis

(5 Feb 2025)
RESTRICTION SUMMARY:

ASSOCIATED PRESS
Altadena, California – 30 January 2025
1. Homeowner Chris Wilson walks past the burned rubble of his home
2. The charred fireplace of Chris Wilson’s home
3. Wilson looks at the burned remnants of his home
4. SOUNDBITE (English) Chris Wilson, displaced homeowner:
"This is 3058 Olive Avenue in Altadena. The night of January 7th, into the morning of January 8th, a wildfire known as the Eaton Canyon Fire came and ripped through all our properties. And this is my property that burned down."
5. A burned statue of a deer on Wilson’s property
6. Aerial drone view of the Olive Avenue destruction ++MUTE++
7. SOUNDBITE (English) Chris Wilson, displaced homeowner:
"Last year, I lost my private insurance. We were one of many people who got kicked off our private insurance and I had to get two policies to cover what normally covers what one policy covers it."
8. Wilson and his next door neighbor Louise Hamlin walk through the rubble between their homes.
9. SOUNDBITE (English) Chris Wilson, displaced homeowner:
"At the time I was just frustrated about the cost to pay the premium. I wasn’t thinking so much about the coverage, and now I’m thinking much more about the coverage and it doesn’t cover a lot. I’m real worried about being able to rebuild."
10. Panning shot from Wilson’s home to Hamlin’s home
11. Louise Hamlin finds mail for neighbor Chris Wilson
12. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"This was my house of the last 10 years. A place of a lot of joy and a lot of work."
13. A red tag of unsafe occupancy on the ground
14. Hamlin and Wilson talk amid the rubble
15. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"My hope is the same as maybe everyone on our block. I’d like to rebuild. And I’d like to rebuild a place that we can restart our lives. And it’ll be similar to what we had before."
16. Hamlin finds pottery in the former kitchen area of her home
17. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"My insurance has been really supportive. My company reached out to me, uh, two days after the fire without my calling them."
18. Rubble of the fire
19. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"And they’ve already paid out much of the value of the house."
20. A view of both homes
21. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"It is random. I mean, we have identical homes. They were built, I think, within weeks of each other in 1925."
22. Hamlin and Wilson walk between their burned down homes
23. A knocked down basketball pole
24. Hamlin and Wilson take a photo together
25. SOUNDBITE (English) Louise Hamlin, displaced homeowner:
"There’s no reason why I continue to have insurance and theirs was dropped. And it, it it really is just luck now I think as insurers grapple with changing risk and what to do about it."
26. Hamlin and Wilson stand in front of their homes
STORYLINE:
Before a wildfire ravaged their entire street in northwest Altadena, Louise Hamlin and Chris Wilson were next-door neighbors in nearly identical houses.

Today, gone are their charming English-style cottages built in 1925 with the welcoming porches and Palladian windows. Amid the rubble and ash, little is left of their historic neighborhood.

Since the Eaton wildfire was contained last week, Hamlin and Wilson have been stumbling through the layers of business, bureaucracy and emotional trauma of surviving a natural disaster, with their sights firmly set on rebuilding their beloved homes.

He is contemplating loans, lawsuits and moving his family out of California.

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