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"content": "\u003cp>\u003cem>This story contains a correction.\u003c/em>\u003c/p>\n\u003cp>California power regulators on Thursday slapped Pacific Gas & Electric with a $2.1 billion fine for igniting a series of deadly wildfires that landed the beleaguered utility in bankruptcy.\u003c/p>\n\u003cp>The record penalty imposed in an administrative law judge’s decision boosts a previously agreed upon $1.7 billion settlement announced in December. Several consumer groups had protested the settlement as too lenient in light of PG&E’s destruction, and the California Public Utilities Commission agreed after further review.\u003c/p>\n\u003cp>PG&E officials said they were disappointed by the increased fine after “working diligently over many months with multiple parties” to reach the previous deal.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“We recognize our fundamental obligation is to operate our system safely and we share the same objectives as the Commission and other state leaders — namely in reducing the risk of future wildfires in our communities,” PG&E spokesman James Noonan said in a statement.\u003c/p>\n\u003cp>The harsher punishment includes a $200 million payment to California’s general fund.\u003c/p>\n\u003cp>The San Francisco company has already set up a $13.5 billion fund to help those who lost family members, homes and businesses in catastrophic wildfires caused by PG&E’s outdated electrical grid and negligence during 2017 and 2018. The fires killed nearly 130 people and destroyed almost 28,000 homes and other buildings.\u003c/p>\n\u003cp>More than 81,000 claims have been filed in the bankruptcy case.\u003c/p>\n\u003cp>The decision will also prevent PG&E from attempting to recover $1.82 billion from its customers, forcing its shareholders to bear the cost instead. The settlement previously had prevented PG&E from recovering $1.63 billion.\u003c/p>\n\u003cp>As part of the previous settlement, PG&E had projected it would realize $469 million in tax savings. Thursday’s ruling could require the San Francisco company to funnel any tax savings to hold down the prices charged to the 16 million people who rely on the nation’s largest utility for electricity.\u003c/p>\n\u003cp>Thursday’s rebuke is the latest blow to PG&E, which has been trying to climb out of a huge financial hole left by its liabilities from the fires. The company filed for bankruptcy 13 months ago to seek shelter from more than $50 billion in claimed losses. It is seeking to emerge from bankruptcy by June 30 to qualify for a state wildfire insurance fund.\u003c/p>\n\u003cp>PG&E has settled those claims by reaching settlements totaling $25.5 billion with the wildfire victims, insurers and some government agencies.\u003c/p>\n\u003cp>But the company still faces some potentially imposing hurdles, with California Gov. Gavin Newsom threatening a government-led takeover bid if the utility doesn’t make significant reforms. PG&E needs state approval of the plan to qualify for the wildfire insurance fund.\u003c/p>\n\u003cp>\u003cem>Correction: This story has been corrected to say that a $200 million payment will go to California’s general fund, not to a special wildfire victims fund.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“We recognize our fundamental obligation is to operate our system safely and we share the same objectives as the Commission and other state leaders — namely in reducing the risk of future wildfires in our communities,” PG&E spokesman James Noonan said in a statement.\u003c/p>\n\u003cp>The harsher punishment includes a $200 million payment to California’s general fund.\u003c/p>\n\u003cp>The San Francisco company has already set up a $13.5 billion fund to help those who lost family members, homes and businesses in catastrophic wildfires caused by PG&E’s outdated electrical grid and negligence during 2017 and 2018. The fires killed nearly 130 people and destroyed almost 28,000 homes and other buildings.\u003c/p>\n\u003cp>More than 81,000 claims have been filed in the bankruptcy case.\u003c/p>\n\u003cp>The decision will also prevent PG&E from attempting to recover $1.82 billion from its customers, forcing its shareholders to bear the cost instead. The settlement previously had prevented PG&E from recovering $1.63 billion.\u003c/p>\n\u003cp>As part of the previous settlement, PG&E had projected it would realize $469 million in tax savings. Thursday’s ruling could require the San Francisco company to funnel any tax savings to hold down the prices charged to the 16 million people who rely on the nation’s largest utility for electricity.\u003c/p>\n\u003cp>Thursday’s rebuke is the latest blow to PG&E, which has been trying to climb out of a huge financial hole left by its liabilities from the fires. The company filed for bankruptcy 13 months ago to seek shelter from more than $50 billion in claimed losses. It is seeking to emerge from bankruptcy by June 30 to qualify for a state wildfire insurance fund.\u003c/p>\n\u003cp>PG&E has settled those claims by reaching settlements totaling $25.5 billion with the wildfire victims, insurers and some government agencies.\u003c/p>\n\u003cp>But the company still faces some potentially imposing hurdles, with California Gov. Gavin Newsom threatening a government-led takeover bid if the utility doesn’t make significant reforms. PG&E needs state approval of the plan to qualify for the wildfire insurance fund.\u003c/p>\n\u003cp>\u003cem>Correction: This story has been corrected to say that a $200 million payment will go to California’s general fund, not to a special wildfire victims fund.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Nearly two dozen California wildfire victims are asking a federal judge to reconsider a $13.5 billion settlement that lawyers for the official bankruptcy committee for survivors brokered with PG&E in December as part of the utility's exit from Chapter 11.\u003c/p>\n\u003cp>The court in San Francisco on Wednesday posted a batch of letters sent to U.S. Bankruptcy Judge Dennis Montali from 22 victims of wildfires, including the Camp Fire, which \u003ca href=\"https://www.kqed.org/news/11729842/pge-says-its-equipment-likely-caused-camp-fire-as-investigation-continues\" target=\"_blank\" rel=\"noopener noreferrer\">Cal Fire determined\u003c/a> was sparked by PG&E equipment.\u003c/p>\n\u003cp>\"Please hold PG&E Fully Accountable! The current amount set aside isn't enough!\" wrote Camp Fire survivor Tina Reszler, who lost her home and her dog, Talula, in the 2018 blaze.\u003c/p>\n\u003cp>The Official Committee of Tort Claimants, or TCC, is made up of 11 survivors who represent the tens of thousands of victims of recent fires caused or suspected to have been caused by PG&E. The committee's lawyers reached the multibillion dollar agreement with the utility in December, nearly a year after PG&E \u003ca href=\"https://www.kqed.org/news/11721861/pge-files-for-chapter-11-bankruptcy-protection\" target=\"_blank\" rel=\"noopener noreferrer\">filed for Chapter 11 bankruptcy protection\u003c/a>, citing wildfire-related liabilities.\u003c/p>\n\u003cp>While TCC lawyers have handled negotiations on behalf of the vast majority of victims, letters to Montali have been one of the few direct forms of communication between individual survivors and the court. And this most recent batch, posted to the court docket, paints a portrait of frustration and emotional anguish.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Camp Fire survivor Lisa Williams\"]'We know how bad this settlement is for survivors. It is my sincerest hope that the majority of claimants vote this down.'[/pullquote]\u003c/p>\n\u003cp>\"We know how bad this settlement is for survivors. It is my sincerest hope that the majority of claimants vote this down,\" wrote Camp Fire survivor Lisa Williams. \"Survivors have taken a backseat to all the rich investors that have had an eye on making a profit at our expense.\"\u003c/p>\n\u003cp>Several survivors specifically noted their concern that half of the settlement will come in the form of PG&E stock.\u003c/p>\n\u003cp>\"Further disconcerting is the expectation that fire victims accept potentially volatile, unreliable and delayed funding in the form of restructured PG&E stock and tax benefits, while the same financing has been ardently refused by experienced hedge fund managers,\" wrote James Finn of Santa Rosa, who lost his home in the Tubbs Fire.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11774069/pge-insurance-companies-strike-11-billion-deal-to-settle-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E reached a separate $11 billion all-cash deal\u003c/a> with insurance claim holders in September.\u003c/p>\n\u003cp>The current draft summary being prepared for survivors to review, ahead of a vote this spring, states that \"no fire victims will receive stock of reorganized PG&E Corp directly.\" However, shares of PG&E are slated to go into a trust that will be set up to pay their claims. That means the payments they receive would be tied, in part, to \u003ca href=\"https://www.wsj.com/articles/pg-es-fire-victims-are-set-to-become-its-biggest-shareholders-11581592571\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E's share performance after bankruptcy\u003c/a>.\u003c/p>\n\u003cp>Several survivors also asked Montali to institute a cap on fees they will have to pay to personal injury lawyers representing them.\u003c/p>\n\u003cp>In addition to their grievances, the letters include personal accounts of harrowing escapes and loss. Many make clear that their troubles are far from over.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"I don't think people understand what impact PG&E did to us!!!\" wrote Camp Fire survivor Cheryl Maynard. She noted the stress in her life following the blaze has led to several visits to hospital emergency rooms, and was recently told she needs surgery for a condition called tachycardia, in which the heart beats faster than normal.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"bankruptcy\"]Although victims seldom appear in Montali's courtroom, Tubbs Fire survivor Will Abrams on Tuesday argued a \u003ca href=\"https://www.kqed.org/news/11801051/lone-fire-survivor-to-make-final-plea-against-pge-victim-settlement\" target=\"_blank\" rel=\"noopener noreferrer\">formal motion\u003c/a> asking the judge to reconsider the cash-stock settlement with PG&E.\u003c/p>\n\u003cp>Montali overruled Abrams' motion, citing the complexities of the agreement that PG&E reached with the committee representing survivors.\u003c/p>\n\u003cp>\"You’re assuming that 70,000 of your fellow survivors would want to even attempt to understand it,\" Montali told Abrams in court Tuesday. \"You are very thorough and you’re reading carefully and asking questions. I suspect that large numbers of [survivors] don’t want to do that.\"\u003c/p>\n\u003cp>\"I respect your views but I can’t let your desires jeopardize what is a very, very complex process,\" Montali added.\u003c/p>\n\u003cp>Steven Skikos, a lawyer representing a member of the survivors' committee, said in court Tuesday that now the onus is on PG&E to show victims and their attorneys why the plan is the best option for them.\u003c/p>\n\u003cp>\"Platitudes aren’t going to work. What we have to do is provide facts and evidence as to why this plan is going to work,\" Skikos said. \"What we have to do is to get rid of the decades of blind greed that have comprised this company.\"\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Nearly two dozen California wildfire victims are asking a federal judge to reconsider a $13.5 billion settlement that lawyers for the official bankruptcy committee for survivors brokered with PG&E in December as part of the utility's exit from Chapter 11.\u003c/p>\n\u003cp>The court in San Francisco on Wednesday posted a batch of letters sent to U.S. Bankruptcy Judge Dennis Montali from 22 victims of wildfires, including the Camp Fire, which \u003ca href=\"https://www.kqed.org/news/11729842/pge-says-its-equipment-likely-caused-camp-fire-as-investigation-continues\" target=\"_blank\" rel=\"noopener noreferrer\">Cal Fire determined\u003c/a> was sparked by PG&E equipment.\u003c/p>\n\u003cp>\"Please hold PG&E Fully Accountable! The current amount set aside isn't enough!\" wrote Camp Fire survivor Tina Reszler, who lost her home and her dog, Talula, in the 2018 blaze.\u003c/p>\n\u003cp>The Official Committee of Tort Claimants, or TCC, is made up of 11 survivors who represent the tens of thousands of victims of recent fires caused or suspected to have been caused by PG&E. The committee's lawyers reached the multibillion dollar agreement with the utility in December, nearly a year after PG&E \u003ca href=\"https://www.kqed.org/news/11721861/pge-files-for-chapter-11-bankruptcy-protection\" target=\"_blank\" rel=\"noopener noreferrer\">filed for Chapter 11 bankruptcy protection\u003c/a>, citing wildfire-related liabilities.\u003c/p>\n\u003cp>While TCC lawyers have handled negotiations on behalf of the vast majority of victims, letters to Montali have been one of the few direct forms of communication between individual survivors and the court. And this most recent batch, posted to the court docket, paints a portrait of frustration and emotional anguish.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "'We know how bad this settlement is for survivors. It is my sincerest hope that the majority of claimants vote this down.'",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"We know how bad this settlement is for survivors. It is my sincerest hope that the majority of claimants vote this down,\" wrote Camp Fire survivor Lisa Williams. \"Survivors have taken a backseat to all the rich investors that have had an eye on making a profit at our expense.\"\u003c/p>\n\u003cp>Several survivors specifically noted their concern that half of the settlement will come in the form of PG&E stock.\u003c/p>\n\u003cp>\"Further disconcerting is the expectation that fire victims accept potentially volatile, unreliable and delayed funding in the form of restructured PG&E stock and tax benefits, while the same financing has been ardently refused by experienced hedge fund managers,\" wrote James Finn of Santa Rosa, who lost his home in the Tubbs Fire.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11774069/pge-insurance-companies-strike-11-billion-deal-to-settle-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E reached a separate $11 billion all-cash deal\u003c/a> with insurance claim holders in September.\u003c/p>\n\u003cp>The current draft summary being prepared for survivors to review, ahead of a vote this spring, states that \"no fire victims will receive stock of reorganized PG&E Corp directly.\" However, shares of PG&E are slated to go into a trust that will be set up to pay their claims. That means the payments they receive would be tied, in part, to \u003ca href=\"https://www.wsj.com/articles/pg-es-fire-victims-are-set-to-become-its-biggest-shareholders-11581592571\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E's share performance after bankruptcy\u003c/a>.\u003c/p>\n\u003cp>Several survivors also asked Montali to institute a cap on fees they will have to pay to personal injury lawyers representing them.\u003c/p>\n\u003cp>In addition to their grievances, the letters include personal accounts of harrowing escapes and loss. Many make clear that their troubles are far from over.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"I don't think people understand what impact PG&E did to us!!!\" wrote Camp Fire survivor Cheryl Maynard. She noted the stress in her life following the blaze has led to several visits to hospital emergency rooms, and was recently told she needs surgery for a condition called tachycardia, in which the heart beats faster than normal.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Although victims seldom appear in Montali's courtroom, Tubbs Fire survivor Will Abrams on Tuesday argued a \u003ca href=\"https://www.kqed.org/news/11801051/lone-fire-survivor-to-make-final-plea-against-pge-victim-settlement\" target=\"_blank\" rel=\"noopener noreferrer\">formal motion\u003c/a> asking the judge to reconsider the cash-stock settlement with PG&E.\u003c/p>\n\u003cp>Montali overruled Abrams' motion, citing the complexities of the agreement that PG&E reached with the committee representing survivors.\u003c/p>\n\u003cp>\"You’re assuming that 70,000 of your fellow survivors would want to even attempt to understand it,\" Montali told Abrams in court Tuesday. \"You are very thorough and you’re reading carefully and asking questions. I suspect that large numbers of [survivors] don’t want to do that.\"\u003c/p>\n\u003cp>\"I respect your views but I can’t let your desires jeopardize what is a very, very complex process,\" Montali added.\u003c/p>\n\u003cp>Steven Skikos, a lawyer representing a member of the survivors' committee, said in court Tuesday that now the onus is on PG&E to show victims and their attorneys why the plan is the best option for them.\u003c/p>\n\u003cp>\"Platitudes aren’t going to work. What we have to do is provide facts and evidence as to why this plan is going to work,\" Skikos said. \"What we have to do is to get rid of the decades of blind greed that have comprised this company.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"disqusTitle": "Where Did All the Camp Fire Survivors Go?",
"title": "Where Did All the Camp Fire Survivors Go?",
"headTitle": "The California Report | KQED News",
"content": "\u003cp>Jhan Dunn had lived in Paradise for about a decade before the Camp Fire swept through the town on Nov. 8, 2018, destroying her home and nearly 14,000 others.\u003c/p>\n\u003cp>Now, she's living outside of California for the first time in her adult life.\u003c/p>\n\u003cp>\"We knew we could not rebuild our home,\" Dunn said.\u003c/p>\n\u003cp>After the fire, she and her husband lost their bid on a house in nearby Corning because they couldn't acquire fire insurance on it. And, it turned out, they were underinsured on the home they lost in the Paradise fire.\u003c/p>\n\u003cp>\"I'm living in North Carolina,\" Dunn said. \"My whole family is all in California. We're both very resentful because our insurance company wouldn't pay us what we were covered for.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The Dunns are just one family among many that scattered across the country after the Camp Fire, which killed 85 people and remains the deadliest and most destructive fire in California history.\u003c/p>\n\u003cp>A California State University, Chico, study has been \u003ca href=\"https://today.csuchico.edu/mapping-a-displaced-population/\" target=\"_blank\" rel=\"noopener noreferrer\">mapping out\u003c/a> where survivors of the wildfire ended up. Using data including U.S. Postal Service change-of-address information, researchers found new mailing addresses for roughly a third of former Paradise residents.\u003c/p>\n\u003cp>Small clusters have landed in mid-sized cities like Boise, Denver, Salt Lake City and Orlando. One cluster turned up in \u003ca href=\"https://www.census.gov/quickfacts/crossvillecitytennessee\" target=\"_blank\" rel=\"noopener noreferrer\">Crossville, Tennessee, a town of less than 12,000 people.\u003c/a>\u003c/p>\n\u003cp>The age of survivors has emerged as one of the most important factors determining who stayed and who moved away, said geographic information systems specialist Peter Hansen.\u003c/p>\n\u003cp>\"Of the 65 or older population, half of that group moved beyond 30 miles of the fire,\" he said. \"That says to me that we lost a lot of our older population. The people that were able to remain were more of the working age population.\"\u003c/p>\n\u003cfigure id=\"attachment_11797165\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797165\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-800x294.png\" alt=\"Chico State researchers found that older populations left the area at a much higher rate than those between the ages of 18 and 65.\" width=\"800\" height=\"294\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-800x294.png 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-160x59.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-1020x375.png 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2.png 1516w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Chico State researchers found that older populations left the area at a much higher rate than those between the ages of 18 and 65. \u003ccite>(Courtesy of California State University, Chico)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The data also indicates that income levels played a role in where survivors landed. The city closest to the Camp Fire footprint, Chico, \u003ca href=\"https://www.washingtonpost.com/national/secondary-burns-chico-calif-is-in-tumult-after-a-fire-emptied-out-neighboring-paradise/2019/08/02/26263e38-b2e5-11e9-951e-de024209545d_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">had a tight housing market\u003c/a> that was exacerbated by the fire.\u003c/p>\n\u003cp>\"The more money you made, the more likely you were to be able to land in Chico,\" Hansen said. \"There wasn't enough housing in Chico to accommodate everybody, so if you had the means, you were more likely to have a place.\"\u003c/p>\n\u003cp>The data shows that 47% of those whose annual income was less than $25,000 moved 30 miles or more from Paradise.\u003c/p>\n\u003cfigure id=\"attachment_11797166\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797166\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-800x326.png\" alt=\"Income played a role in how far people moved, with the most affluent households largely relocating to nearby Chico and individuals with the lowest income more likely to move out of the area.\" width=\"800\" height=\"326\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-800x326.png 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-160x65.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-1020x416.png 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2.png 1516w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Income played a role in how far people moved, with the most affluent households largely relocating to nearby Chico and individuals with the lowest income more likely to move out of the area. \u003ccite>(Courtesy of California State University, Chico)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Fourteen months after the Camp Fire, life for many survivors remains in flux. Three-quarters of new addresses listed in Paradise are for post office boxes, not homes. And to Hansen, that's an indicator that this subset of survivors hasn't gone far.\u003c/p>\n\u003cp>\"They may not be living in Paradise necessarily, but they're still around. They're getting their mail there,\" Hansen said. \"So that's indicating that they're still in the region.\"\u003c/p>\n\u003cfigure id=\"attachment_11797168\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797168\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-800x600.jpg\" alt=\"Geographic information systems specialist Peter Hansen analyzed data on where former Paradise residents relocated after the Camp Fire.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1920x1440.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1832x1374.jpg 1832w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1376x1032.jpg 1376w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1044x783.jpg 1044w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-632x474.jpg 632w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-536x402.jpg 536w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Geographic information systems specialist Peter Hansen analyzed data on where former Paradise residents relocated after the Camp Fire. \u003ccite>(Lily Jamali/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While some are still deciding whether to stay in the region, former Paradise Mayor Dan Wentland, 69, moved across the country to Crossville, Tennessee, within weeks of the Camp Fire.\u003c/p>\n\u003cp>\"I went back up to Paradise immediately when the fire was still burning. I saw it, went back, and told my wife, 'We're moving because it's never going to be a town again,' \" Wentland said. \"It'll never be the Paradise that we knew.\"\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe width=\"800\" height=\"360\" frameborder=\"0\" scrolling=\"no\" src=\"https://arcg.is/0e1O9G\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Cheaper real estate in Tennessee was a major draw. So was the fact that he has family — a brother and an uncle — in the state.\u003c/p>\n\u003cp>Since moving to Tennessee, Wentland says three family friends from Paradise have moved there, too, and two more could follow.\u003c/p>\n\u003cp>\"They came out to visit and said, 'This is where we need to come to,' \" he said.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"paradise\"]\u003c/p>\n\u003cp>Wentland's mother-in-law and sister-in-law are also planning to move to Tennessee soon.\u003c/p>\n\u003cp>But while he's relieved to have landed on his feet, Wentland says he'll always miss what Paradise once was.\u003c/p>\n\u003cp>\"Because I was very politically involved, I was so blessed to have a million friends,\" Wentland said. \"That can never be replaced. That will be missed forever.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Read more about the Chico State study \u003ca href=\"https://today.csuchico.edu/mapping-a-displaced-population/\">here\u003c/a>. \u003c/em>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Jhan Dunn had lived in Paradise for about a decade before the Camp Fire swept through the town on Nov. 8, 2018, destroying her home and nearly 14,000 others.\u003c/p>\n\u003cp>Now, she's living outside of California for the first time in her adult life.\u003c/p>\n\u003cp>\"We knew we could not rebuild our home,\" Dunn said.\u003c/p>\n\u003cp>After the fire, she and her husband lost their bid on a house in nearby Corning because they couldn't acquire fire insurance on it. And, it turned out, they were underinsured on the home they lost in the Paradise fire.\u003c/p>\n\u003cp>\"I'm living in North Carolina,\" Dunn said. \"My whole family is all in California. We're both very resentful because our insurance company wouldn't pay us what we were covered for.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The Dunns are just one family among many that scattered across the country after the Camp Fire, which killed 85 people and remains the deadliest and most destructive fire in California history.\u003c/p>\n\u003cp>A California State University, Chico, study has been \u003ca href=\"https://today.csuchico.edu/mapping-a-displaced-population/\" target=\"_blank\" rel=\"noopener noreferrer\">mapping out\u003c/a> where survivors of the wildfire ended up. Using data including U.S. Postal Service change-of-address information, researchers found new mailing addresses for roughly a third of former Paradise residents.\u003c/p>\n\u003cp>Small clusters have landed in mid-sized cities like Boise, Denver, Salt Lake City and Orlando. One cluster turned up in \u003ca href=\"https://www.census.gov/quickfacts/crossvillecitytennessee\" target=\"_blank\" rel=\"noopener noreferrer\">Crossville, Tennessee, a town of less than 12,000 people.\u003c/a>\u003c/p>\n\u003cp>The age of survivors has emerged as one of the most important factors determining who stayed and who moved away, said geographic information systems specialist Peter Hansen.\u003c/p>\n\u003cp>\"Of the 65 or older population, half of that group moved beyond 30 miles of the fire,\" he said. \"That says to me that we lost a lot of our older population. The people that were able to remain were more of the working age population.\"\u003c/p>\n\u003cfigure id=\"attachment_11797165\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797165\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-800x294.png\" alt=\"Chico State researchers found that older populations left the area at a much higher rate than those between the ages of 18 and 65.\" width=\"800\" height=\"294\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-800x294.png 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-160x59.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2-1020x375.png 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Ages2.png 1516w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Chico State researchers found that older populations left the area at a much higher rate than those between the ages of 18 and 65. \u003ccite>(Courtesy of California State University, Chico)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The data also indicates that income levels played a role in where survivors landed. The city closest to the Camp Fire footprint, Chico, \u003ca href=\"https://www.washingtonpost.com/national/secondary-burns-chico-calif-is-in-tumult-after-a-fire-emptied-out-neighboring-paradise/2019/08/02/26263e38-b2e5-11e9-951e-de024209545d_story.html\" target=\"_blank\" rel=\"noopener noreferrer\">had a tight housing market\u003c/a> that was exacerbated by the fire.\u003c/p>\n\u003cp>\"The more money you made, the more likely you were to be able to land in Chico,\" Hansen said. \"There wasn't enough housing in Chico to accommodate everybody, so if you had the means, you were more likely to have a place.\"\u003c/p>\n\u003cp>The data shows that 47% of those whose annual income was less than $25,000 moved 30 miles or more from Paradise.\u003c/p>\n\u003cfigure id=\"attachment_11797166\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797166\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-800x326.png\" alt=\"Income played a role in how far people moved, with the most affluent households largely relocating to nearby Chico and individuals with the lowest income more likely to move out of the area.\" width=\"800\" height=\"326\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-800x326.png 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-160x65.png 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2-1020x416.png 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/Incomes2.png 1516w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Income played a role in how far people moved, with the most affluent households largely relocating to nearby Chico and individuals with the lowest income more likely to move out of the area. \u003ccite>(Courtesy of California State University, Chico)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Fourteen months after the Camp Fire, life for many survivors remains in flux. Three-quarters of new addresses listed in Paradise are for post office boxes, not homes. And to Hansen, that's an indicator that this subset of survivors hasn't gone far.\u003c/p>\n\u003cp>\"They may not be living in Paradise necessarily, but they're still around. They're getting their mail there,\" Hansen said. \"So that's indicating that they're still in the region.\"\u003c/p>\n\u003cfigure id=\"attachment_11797168\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11797168\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-800x600.jpg\" alt=\"Geographic information systems specialist Peter Hansen analyzed data on where former Paradise residents relocated after the Camp Fire.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1920x1440.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1832x1374.jpg 1832w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1376x1032.jpg 1376w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-1044x783.jpg 1044w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-632x474.jpg 632w, https://ww2.kqed.org/app/uploads/sites/10/2020/01/IMG_2602-536x402.jpg 536w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Geographic information systems specialist Peter Hansen analyzed data on where former Paradise residents relocated after the Camp Fire. \u003ccite>(Lily Jamali/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While some are still deciding whether to stay in the region, former Paradise Mayor Dan Wentland, 69, moved across the country to Crossville, Tennessee, within weeks of the Camp Fire.\u003c/p>\n\u003cp>\"I went back up to Paradise immediately when the fire was still burning. I saw it, went back, and told my wife, 'We're moving because it's never going to be a town again,' \" Wentland said. \"It'll never be the Paradise that we knew.\"\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe width=\"800\" height=\"360\" frameborder=\"0\" scrolling=\"no\" src=\"https://arcg.is/0e1O9G\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>Cheaper real estate in Tennessee was a major draw. So was the fact that he has family — a brother and an uncle — in the state.\u003c/p>\n\u003cp>Since moving to Tennessee, Wentland says three family friends from Paradise have moved there, too, and two more could follow.\u003c/p>\n\u003cp>\"They came out to visit and said, 'This is where we need to come to,' \" he said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Wentland's mother-in-law and sister-in-law are also planning to move to Tennessee soon.\u003c/p>\n\u003cp>But while he's relieved to have landed on his feet, Wentland says he'll always miss what Paradise once was.\u003c/p>\n\u003cp>\"Because I was very politically involved, I was so blessed to have a million friends,\" Wentland said. \"That can never be replaced. That will be missed forever.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Read more about the Chico State study \u003ca href=\"https://today.csuchico.edu/mapping-a-displaced-population/\">here\u003c/a>. \u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"title": "Financial Tug-of-War Emerges Over Fire Victims' Settlement",
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"content": "\u003cp>A financial tug-of-war is emerging over the $13.5 billion that the nation’s largest utility has agreed to pay to victims of recent California wildfires, as government agencies jockey for more than half the money to cover the costs of their response to the catastrophes.\u003c/p>\n\u003cp>Pacific Gas & Electric \u003ca href=\"https://www.kqed.org/news/11721763/pge-just-filed-for-bankruptcy-heres-what-happens-next\" target=\"_blank\" rel=\"noopener noreferrer\">declared bankruptcy\u003c/a> nearly a year ago as it faced about $36 billion in claims from people who lost family members, homes and businesses in devastating wildfires in \u003ca href=\"https://www.kqed.org/news/tag/north-bay-fires\" target=\"_blank\" rel=\"noopener noreferrer\">2017\u003c/a> and \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">2018\u003c/a>. The utility acknowledged its power lines ignited some of the fires.\u003c/p>\n\u003cp>Those claims were settled as part of the $13.5 billion deal that PG&E reached \u003ca href=\"https://www.kqed.org/news/11790175/pge-announces-13-5-billion-deal-to-resolve-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">last month\u003c/a> with lawyers representing uninsured and underinsured victims.\u003c/p>\n\u003cp>Meanwhile, insurers had been threatening to try to recover roughly $20 billion in policyholder claims that they believe they will end up paying for losses from those fires. PG&E settled with the insurers for $11 billion.\u003c/p>\n\u003cp>[aside tag='pge' label='More Coverage']\u003c/p>\n\u003cp>PG&E must keep working on its broader bankruptcy exit plan to meet the approval of state regulators and a bankruptcy judge by June, as planned.\u003c/p>\n\u003cp>In the meantime, the $13.5 billion settlement leaves open just how much would be used to compensate victims, their lawyers and federal and state agencies for the money they spent on rescue and recovery operations.\u003c/p>\n\u003cp>California state agencies said they’re owed about $3.3 billion, and federal agencies including FEMA filed claims totaling $4.3 billion. The claims are not related to the $1 billion PG&E agreed in June to pay to 14 local governments to cover damages from wildfires caused by its equipment.\u003c/p>\n\u003cp>U.S. attorneys and the California attorney general’s office raised concerns in separate court filings last month about “potential unequal treatment of claims” and asked U.S. Bankruptcy Judge Dennis Montali to clarify how the money will be divided. They also urged him to ensure that settlement amounts are governed by neutral and experienced trustees.\u003c/p>\n\u003cp>Lawyers for the fire victims, meanwhile, have asked the judge to reduce the government agencies’ claims and argued in one court filing that the California governor’s office of emergency services can’t recover the costs of carrying out public services such as response to fires.\u003c/p>\n\u003cp>Many victims dissatisfied with the settlement say giving money to the government agencies leaves little left to people who are still struggling to rebuild their lives.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Sasha Poe']‘There’s not enough money in there for everybody and yet there are too many hands in the pot’[/pullquote]\u003c/p>\n\u003cp>“There’s not enough money in there for everybody and yet there are too many hands in the pot,” said Sasha Poe, who lost her house in 2018 when a fire killed 85 people and nearly wiped out the city of Paradise.\u003c/p>\n\u003cp>Some victims said they’re upset that the settlement provides cash and PG&E stock to a trust, stretching out payments over a few years, while insurers will receive their settlement in cash.\u003c/p>\n\u003cp>“To me, they’re taking care of shareholders first and they want us to wait for payments,” said Lisa Williams, who also lost her house in Paradise. She says a Facebook group she started for wildfire survivors concerned about the settlement has reached 800 members.\u003c/p>\n\u003cp>“Nobody expects to be made whole by this settlement … but they ought to give the victims cash because they need it more immediately,” she said. “People are still hurting. I know a woman whose house burned down … she’s living in a trailer with an autistic child and the generator and plumbing went out. She has no heat and water and she’s freezing.”\u003c/p>\n\u003cp>Attorneys for the victims said they hope to work out several key issues, including how the trust for the fire victims will be managed and the process for submitting claims, by the end of January.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>A financial tug-of-war is emerging over the $13.5 billion that the nation’s largest utility has agreed to pay to victims of recent California wildfires, as government agencies jockey for more than half the money to cover the costs of their response to the catastrophes.\u003c/p>\n\u003cp>Pacific Gas & Electric \u003ca href=\"https://www.kqed.org/news/11721763/pge-just-filed-for-bankruptcy-heres-what-happens-next\" target=\"_blank\" rel=\"noopener noreferrer\">declared bankruptcy\u003c/a> nearly a year ago as it faced about $36 billion in claims from people who lost family members, homes and businesses in devastating wildfires in \u003ca href=\"https://www.kqed.org/news/tag/north-bay-fires\" target=\"_blank\" rel=\"noopener noreferrer\">2017\u003c/a> and \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">2018\u003c/a>. The utility acknowledged its power lines ignited some of the fires.\u003c/p>\n\u003cp>Those claims were settled as part of the $13.5 billion deal that PG&E reached \u003ca href=\"https://www.kqed.org/news/11790175/pge-announces-13-5-billion-deal-to-resolve-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">last month\u003c/a> with lawyers representing uninsured and underinsured victims.\u003c/p>\n\u003cp>Meanwhile, insurers had been threatening to try to recover roughly $20 billion in policyholder claims that they believe they will end up paying for losses from those fires. PG&E settled with the insurers for $11 billion.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>PG&E must keep working on its broader bankruptcy exit plan to meet the approval of state regulators and a bankruptcy judge by June, as planned.\u003c/p>\n\u003cp>In the meantime, the $13.5 billion settlement leaves open just how much would be used to compensate victims, their lawyers and federal and state agencies for the money they spent on rescue and recovery operations.\u003c/p>\n\u003cp>California state agencies said they’re owed about $3.3 billion, and federal agencies including FEMA filed claims totaling $4.3 billion. The claims are not related to the $1 billion PG&E agreed in June to pay to 14 local governments to cover damages from wildfires caused by its equipment.\u003c/p>\n\u003cp>U.S. attorneys and the California attorney general’s office raised concerns in separate court filings last month about “potential unequal treatment of claims” and asked U.S. Bankruptcy Judge Dennis Montali to clarify how the money will be divided. They also urged him to ensure that settlement amounts are governed by neutral and experienced trustees.\u003c/p>\n\u003cp>Lawyers for the fire victims, meanwhile, have asked the judge to reduce the government agencies’ claims and argued in one court filing that the California governor’s office of emergency services can’t recover the costs of carrying out public services such as response to fires.\u003c/p>\n\u003cp>Many victims dissatisfied with the settlement say giving money to the government agencies leaves little left to people who are still struggling to rebuild their lives.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“There’s not enough money in there for everybody and yet there are too many hands in the pot,” said Sasha Poe, who lost her house in 2018 when a fire killed 85 people and nearly wiped out the city of Paradise.\u003c/p>\n\u003cp>Some victims said they’re upset that the settlement provides cash and PG&E stock to a trust, stretching out payments over a few years, while insurers will receive their settlement in cash.\u003c/p>\n\u003cp>“To me, they’re taking care of shareholders first and they want us to wait for payments,” said Lisa Williams, who also lost her house in Paradise. She says a Facebook group she started for wildfire survivors concerned about the settlement has reached 800 members.\u003c/p>\n\u003cp>“Nobody expects to be made whole by this settlement … but they ought to give the victims cash because they need it more immediately,” she said. “People are still hurting. I know a woman whose house burned down … she’s living in a trailer with an autistic child and the generator and plumbing went out. She has no heat and water and she’s freezing.”\u003c/p>\n\u003cp>Attorneys for the victims said they hope to work out several key issues, including how the trust for the fire victims will be managed and the process for submitting claims, by the end of January.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>When Linda and Bob Oslin lost their home last year to California’s most destructive wildfire, they began searching their burned property expecting to salvage at least some sentimental items.\u003c/p>\n\u003cp>But, she says, “everything was gone.” Or so she thought.\u003c/p>\n\u003cp>The walls of their home had caved in. Even determining where the rooms had been was difficult. But, as Linda sifted through the debris in the footprint of the burned lot in Paradise, she began stumbling upon pieces of their life together: a pile of fused ceramic dishes; the charred head and shoulders of a fancy doll that Linda, who is 74, had treasured as a child. Also, to her surprise, there was the untouched newspaper that had been delivered that morning.\u003c/p>\n\u003cp>Linda salvaged these random pieces — some that had sentimental value before the fire and others that gained new meaning amid the devastation of the blaze.\u003c/p>\n\u003cp>Months later, she displayed what was left of the doll in their new home in Oroville, Calif., and hung up the melted pile of dishes.\u003c/p>\n\u003cp>“It was therapy,” she says.\u003c/p>\n\u003cp>Seeing the fragments of what had survived was a way for Linda to process the fire that had burned through her home. What was left became a reminder that this new life was “simply the way things are.”\u003c/p>\n\u003cp>\u003ca href=\"https://business.creighton.edu/faculty-directory-profile/890/stacey-menzel-baker\" target=\"_blank\" rel=\"noopener noreferrer\">Stacey Menzel Baker\u003c/a>, a professor who studies object attachment at Creighton University in Omaha, Neb., says we all have relationships with things — objects — much as we have relationships with people or places.\u003c/p>\n\u003cfigure id=\"attachment_11793158\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11793158 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-10-15_enl-a8ad92582de4367fb2573e4fc5de921bd80af689-800x349.jpg\" alt=\"\" width=\"800\" height=\"349\">\u003cfigcaption class=\"wp-caption-text\">Paradise lost more than 11,000 homes in November 2018 in California’s most destructive wildfire. Tens of thousands of people once called the ridge home. \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“They help us process and make sense of our lives,” Menzel Baker says. “It’s not necessarily important what the object is.”\u003c/p>\n\u003cp>That we have a connection to our possessions is, perhaps, not surprising, but certain objects claim a special meaning in the narrative of our lives. Sentimental items can connect us with important memories or bolster a sense of identity.\u003c/p>\n\u003cp>“They’re mechanisms for security,” Menzel Baker explains.\u003c/p>\n\u003cp>A classic example is the child who feels braver when holding a blanket given him by his parents because it connects him to a relationship that strengthens him.\u003c/p>\n\u003cp>Objects also have the power to transport us to another place or time. A souvenir from a vacation, for instance, can act as a repository of memories from the trip. Or an artist may repurpose a salvaged piece of metal from a fire as a way to “transport them forward, or to transcend” a catastrophic event.\u003c/p>\n\u003cfigure id=\"attachment_11793159\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11793159 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-2-3_enl-b2cb78c7fa8a95ff51ec1b88e14947126486f418-800x389.jpg\" alt=\"\" width=\"800\" height=\"389\">\u003cfigcaption class=\"wp-caption-text\">Karen Roberds lost her home and many personal possessions in the Camp Fire, including her motorcycles. “The biggest thing that we got out of here when we left was our next-door neighbor’s dog. It was the Harley-Davidsons or the dog, ” she says. “No-brainer.” She still lives on the property and recently had a modular home installed. \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>And while not everyone experiences the same need to hold on to artifacts, Menzel Baker says, we may be more prone to do so if our environment has been disrupted and we feel disconnected.\u003c/p>\n\u003cp>Following the one-year anniversary of the \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Camp Fire\u003c/a> last month, Bonnie Bailey, revisited the site of the house that she and her husband and son had been living in Magalia, a Butte County community that neighbors Paradise.\u003c/p>\n\u003cfigure id=\"attachment_11793168\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11793168\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-6-800x1200.jpg\" alt=\"\" width=\"800\" height=\"1200\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2019/12/objects-fire-6.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2019/12/objects-fire-6-160x240.jpg 160w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">I can’t really think of what would be more symbolic for me than finding a piece of a butterfly. My grandmother is so closely associated with orange butterflies to me that, over the years, it’s kind of always been a thing. I’ll be sitting there and one will come, and I’ll be like, ‘Oh, it’s Grandma Ricky saying hi.’ \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We lost everything that hinged us to our past,” 46-year-old Bailey says, recalling old family photos and sentimental family heirlooms that were lost.\u003c/p>\n\u003cp>Walking through the property a year later, she spotted a quarter-sized ceramic chip from a mug once owned by her grandmother. The piece of pottery had a butterfly print — once orange but now a greenish-brown.\u003c/p>\n\u003cp>Even though she wasn’t particularly close to her grandmother, finding the small fragment made her feel “connected to something.”\u003c/p>\n\u003cp>“We have each other. We have our animals. It’s just things,” she says. “But somehow, there’s just this feeling — we feel, just, so unhinged, like we don’t know where we belong.”\u003c/p>\n\u003cp>Bailey keeps the mug fragment on the dashboard in her car. Even though she and her husband are building a new life a couple hours north, in Dunsmuir, Calif., it has been difficult for her to want to rebuild or replace the possessions she lost.\u003c/p>\n\u003cp>“It’s like falling in love. You’re kind of scared to do it again,” Bailey says. “Do we really want to build a home again? Do we really want to have things we care about? Do we really want to have special Christmas ornaments?”\u003c/p>\n\u003cp>Over time, as new experiences and memories replace old ones, physical objects can lose importance as conduits of emotion and personal history.\u003c/p>\n\u003cp>However, Menzel Baker says, that’s different for everyone.\u003c/p>\n\u003cfigure id=\"attachment_11793167\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11793167\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-13-14_custom-3fa0fd2533a79230b27bf631d8630188291cca83-s2500-c85-800x597.jpg\" alt=\"\" width=\"800\" height=\"597\">\u003cfigcaption class=\"wp-caption-text\">Michael Krzanich salvaged his grandfather’s ships clock. Though it was damaged by the fire, he can’t get rid of it. “This clock has been in my life since I was born,” Krzanich says. “That’s how long my grandpa had it. And I watched him wind it every week — every Sunday.” \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We use objects to tell our life stories — about how ‘I went through this really hard thing, and I’m still here to tell about it,’ ” Menzel Baker explains.\u003c/p>\n\u003cp>“Some people may decide, ‘That’s the really important part of my story. And it’s always going to be part of my story. I want it to be passed on to my kids and my grandkids.’ ”\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2019 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Objects+That+Matter%3A+Memories+Of+Paradise&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cdiv>\u003c/div>\n\u003cdiv>[ad fullwidth]\u003c/div>\n\u003cp>\u003c/p>\n",
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"excerpt": "In the year since Paradise was devastated by the Camp Fire, certain flame-tinged objects — scorched pottery fragments or remnants of toys — have become talismans of resilience beyond pain.",
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"title": "Objects That Matter: Memories Of Paradise | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>When Linda and Bob Oslin lost their home last year to California’s most destructive wildfire, they began searching their burned property expecting to salvage at least some sentimental items.\u003c/p>\n\u003cp>But, she says, “everything was gone.” Or so she thought.\u003c/p>\n\u003cp>The walls of their home had caved in. Even determining where the rooms had been was difficult. But, as Linda sifted through the debris in the footprint of the burned lot in Paradise, she began stumbling upon pieces of their life together: a pile of fused ceramic dishes; the charred head and shoulders of a fancy doll that Linda, who is 74, had treasured as a child. Also, to her surprise, there was the untouched newspaper that had been delivered that morning.\u003c/p>\n\u003cp>Linda salvaged these random pieces — some that had sentimental value before the fire and others that gained new meaning amid the devastation of the blaze.\u003c/p>\n\u003cp>Months later, she displayed what was left of the doll in their new home in Oroville, Calif., and hung up the melted pile of dishes.\u003c/p>\n\u003cp>“It was therapy,” she says.\u003c/p>\n\u003cp>Seeing the fragments of what had survived was a way for Linda to process the fire that had burned through her home. What was left became a reminder that this new life was “simply the way things are.”\u003c/p>\n\u003cp>\u003ca href=\"https://business.creighton.edu/faculty-directory-profile/890/stacey-menzel-baker\" target=\"_blank\" rel=\"noopener noreferrer\">Stacey Menzel Baker\u003c/a>, a professor who studies object attachment at Creighton University in Omaha, Neb., says we all have relationships with things — objects — much as we have relationships with people or places.\u003c/p>\n\u003cfigure id=\"attachment_11793158\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11793158 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-10-15_enl-a8ad92582de4367fb2573e4fc5de921bd80af689-800x349.jpg\" alt=\"\" width=\"800\" height=\"349\">\u003cfigcaption class=\"wp-caption-text\">Paradise lost more than 11,000 homes in November 2018 in California’s most destructive wildfire. Tens of thousands of people once called the ridge home. \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“They help us process and make sense of our lives,” Menzel Baker says. “It’s not necessarily important what the object is.”\u003c/p>\n\u003cp>That we have a connection to our possessions is, perhaps, not surprising, but certain objects claim a special meaning in the narrative of our lives. Sentimental items can connect us with important memories or bolster a sense of identity.\u003c/p>\n\u003cp>“They’re mechanisms for security,” Menzel Baker explains.\u003c/p>\n\u003cp>A classic example is the child who feels braver when holding a blanket given him by his parents because it connects him to a relationship that strengthens him.\u003c/p>\n\u003cp>Objects also have the power to transport us to another place or time. A souvenir from a vacation, for instance, can act as a repository of memories from the trip. Or an artist may repurpose a salvaged piece of metal from a fire as a way to “transport them forward, or to transcend” a catastrophic event.\u003c/p>\n\u003cfigure id=\"attachment_11793159\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11793159 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-2-3_enl-b2cb78c7fa8a95ff51ec1b88e14947126486f418-800x389.jpg\" alt=\"\" width=\"800\" height=\"389\">\u003cfigcaption class=\"wp-caption-text\">Karen Roberds lost her home and many personal possessions in the Camp Fire, including her motorcycles. “The biggest thing that we got out of here when we left was our next-door neighbor’s dog. It was the Harley-Davidsons or the dog, ” she says. “No-brainer.” She still lives on the property and recently had a modular home installed. \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>And while not everyone experiences the same need to hold on to artifacts, Menzel Baker says, we may be more prone to do so if our environment has been disrupted and we feel disconnected.\u003c/p>\n\u003cp>Following the one-year anniversary of the \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Camp Fire\u003c/a> last month, Bonnie Bailey, revisited the site of the house that she and her husband and son had been living in Magalia, a Butte County community that neighbors Paradise.\u003c/p>\n\u003cfigure id=\"attachment_11793168\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11793168\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-6-800x1200.jpg\" alt=\"\" width=\"800\" height=\"1200\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2019/12/objects-fire-6.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2019/12/objects-fire-6-160x240.jpg 160w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">I can’t really think of what would be more symbolic for me than finding a piece of a butterfly. My grandmother is so closely associated with orange butterflies to me that, over the years, it’s kind of always been a thing. I’ll be sitting there and one will come, and I’ll be like, ‘Oh, it’s Grandma Ricky saying hi.’ \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We lost everything that hinged us to our past,” 46-year-old Bailey says, recalling old family photos and sentimental family heirlooms that were lost.\u003c/p>\n\u003cp>Walking through the property a year later, she spotted a quarter-sized ceramic chip from a mug once owned by her grandmother. The piece of pottery had a butterfly print — once orange but now a greenish-brown.\u003c/p>\n\u003cp>Even though she wasn’t particularly close to her grandmother, finding the small fragment made her feel “connected to something.”\u003c/p>\n\u003cp>“We have each other. We have our animals. It’s just things,” she says. “But somehow, there’s just this feeling — we feel, just, so unhinged, like we don’t know where we belong.”\u003c/p>\n\u003cp>Bailey keeps the mug fragment on the dashboard in her car. Even though she and her husband are building a new life a couple hours north, in Dunsmuir, Calif., it has been difficult for her to want to rebuild or replace the possessions she lost.\u003c/p>\n\u003cp>“It’s like falling in love. You’re kind of scared to do it again,” Bailey says. “Do we really want to build a home again? Do we really want to have things we care about? Do we really want to have special Christmas ornaments?”\u003c/p>\n\u003cp>Over time, as new experiences and memories replace old ones, physical objects can lose importance as conduits of emotion and personal history.\u003c/p>\n\u003cp>However, Menzel Baker says, that’s different for everyone.\u003c/p>\n\u003cfigure id=\"attachment_11793167\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11793167\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/objects-fire-13-14_custom-3fa0fd2533a79230b27bf631d8630188291cca83-s2500-c85-800x597.jpg\" alt=\"\" width=\"800\" height=\"597\">\u003cfigcaption class=\"wp-caption-text\">Michael Krzanich salvaged his grandfather’s ships clock. Though it was damaged by the fire, he can’t get rid of it. “This clock has been in my life since I was born,” Krzanich says. “That’s how long my grandpa had it. And I watched him wind it every week — every Sunday.” \u003ccite>(Meredith Rizzo/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“We use objects to tell our life stories — about how ‘I went through this really hard thing, and I’m still here to tell about it,’ ” Menzel Baker explains.\u003c/p>\n\u003cp>“Some people may decide, ‘That’s the really important part of my story. And it’s always going to be part of my story. I want it to be passed on to my kids and my grandkids.’ ”\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2019 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Objects+That+Matter%3A+Memories+Of+Paradise&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cdiv>\u003c/div>\n\u003cdiv>\u003c/p>\u003c/div>",
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"title": "Wildfires Cause Turmoil in California Property Insurance Market",
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"content": "\u003cp>Kent Michitsch seemed to be running out of traditional options to insure the home he’s lived in for more than 30 years northeast of San Diego as California’s massive property insurance market reels from three consecutive years of destructive wildfires.\u003c/p>\n\u003cp>Michitsch, 57, has received three non-renewal notices in three years and says he feared getting a fourth one when his homeowners’ policy comes up for renewal the middle of next year if it wasn’t for California lawmaker’s \u003ca href=\"https://www.kqed.org/news/11789809/state-bans-insurers-from-dropping-homeowner-policies-in-areas-hit-by-wildfires\" target=\"_blank\" rel=\"noopener noreferrer\">recent intervention\u003c/a> in the market.\u003c/p>\n\u003cp>“It’s constant worry and frustration. You know you’re covered now, but I might have to look for a new policy next year yet again.” Michitsch says he’s never made a claim on his insurance and never had fire damage.\u003c/p>\n\u003cp>Thousands of homeowners like Michitsch have lost their insurance policies in the last few years as insurers pull out of areas that are at risk of fire damage or stop insuring homes altogether. They’ve been forced to scramble to find coverage from regular insurance providers or to turn as a last resort to a government sanctioned plan that at the moment only provides fire coverage.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Kent Michitsch']‘It’s constant worry and frustration. You know you’re covered now, but I might have to look for a new policy next year yet again.’[/pullquote]\u003c/p>\n\u003cp>State Farm, the largest in the state, and Allstate and other insurers declined to renew roughly 350,000 policies in areas at high risk for wildfires since 2015 the California Department of Insurance said back in August, and the department has gotten “record numbers” of requests this year from insurers to increase the rates they charge property owners. The data also shows 33,000 policies were not renewed by insurers in zip codes affected by the major wildfires.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>While the insurance industry says the California property insurance market is resilient, state lawmakers and officials have had to scramble to keep the market from grinding to a halt from the unexpected additional risk.\u003c/p>\n\u003cp>The California legislature passed a law earlier this year giving the Department of Insurance emergency powers to keep policies in effect for those in fire-prone areas. This month California Insurance Commissioner Ricardo Lara put a one-year moratorium on non-renewals, in hopes that lawmakers, insurance companies and other stakeholders can reach a more substantial solution for the roughly 1 million homeowners in zip codes adjacent to previous wildfires.\u003c/p>\n\u003cp>[aside tag='wildfires' label='More Coverage.']\u003c/p>\n\u003cp>“This wildfire insurance crisis has been years in the making, but it is an emergency we must deal with now if we are going to keep the California dream of home ownership from becoming the California nightmare, as an increasing number of homeowners struggle to find coverage,” Lara said in a statement.\u003c/p>\n\u003cp>The fires of 2017 and 2018 caused a combined $25.3 billion in damages according to the California Department of Insurance. That’s exponentially higher than the previous wildfires in 2015 and 2008, which caused $1.1 billion and $719 million in damages, respectively.\u003c/p>\n\u003cp>The insurance industry has yet to release an estimate of damages from this year’s wildfire season, but the costs are expected to be high. The most significant wildfire this year was the \u003ca href=\"https://www.kqed.org/news/tag/kincade-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Kincade fire\u003c/a>, which is started October 23 and has burned 78,000 acres in Sonoma county. It destroyed 374 buildings and damaged another 60, according to the California Department of Forestry & Fire Protection.\u003c/p>\n\u003cp>“The wildfires in California will likely make it more difficult for California homeowners to buy insurance,” Stu Ryland, senior vice president of the Pacific Region at Sedgwick, an insurance claims management company. “Premiums are likely to go up, particularly in areas that are prone to wildfires and in some cases, it may be difficult for consumers to find an insurer willing to write their insurance.”\u003c/p>\n\u003cp>While some insurers are pulling out and others are reconsidering how they price property insurance, it is still available in one form or another to every homeowner, according to the Insurance Information Institute.\u003c/p>\n\u003cp>However, those not insurable by regular insurance providers are having to turn to what’s known as the California FAIR Plan, which is a government-sanctioned association of insurers who pool together to cover the highest risk properties. FAIR Plan insurance currently only covers $1.5 million in damages, although Lara has ordered that starting in April 2020 it will cover $3 million in damages. Currently the FAIR Plan only covers fire, not other forms of risk, but California regulators have announced that FAIR Plan insurers can start doing comprehensive coverage.\u003c/p>\n\u003cp>Earlier this month, the \u003ca href=\"https://www.cfpnet.com\" target=\"_blank\" rel=\"noopener noreferrer\">California FAIR Plan Association\u003c/a> sued to block those changes, arguing Lara’s order is illegal.\u003c/p>\n\u003cp>Karl Susman, owner of Susman Insurance Agency in Los Angeles, says the average annual premium on a homeowner policy plus FAIR to cover fire now costs around $2,500 a year, which is three times higher than it was three years ago.\u003c/p>\n\u003cp>“These wildfires are not sustainable for these companies. They aren’t going to go bankrupt but they are just going to stop writing policies.”\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Karl Susman']‘I haven’t seen anything like this in the 28 years I’ve been doing this.’[/pullquote]\u003c/p>\n\u003cp>Susman said he worries that without a longer-term solution the California insurance market will repeat the experience after the 1994 California Northridge earthquake, which caused many insurance carriers to stop offering earthquake insurance. He’s already seen insurance companies limiting their risk to certain zip codes as well.\u003c/p>\n\u003cp>“I haven’t seen anything like this in the 28 years I’ve been doing this,” he said.\u003c/p>\n\u003cp>Fortunately, those who still do have insurance have been able to start rebuilding their lives after the fires.\u003c/p>\n\u003cp>Maggie and Dan London of Santa Rosa lost their home in the massive and fatal \u003ca href=\"https://www.kqed.org/news/tag/tubbs-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Tubbs fire of 2017\u003c/a>. They worked quickly after the fire, filing a claim and reaching out to their contractor that same day. But it took them two years to rebuild and move back in.\u003c/p>\n\u003cp>Like many who tried to rebuild after the fire, they ran into obstacles — higher costs for labor and materials and ongoing talks with their insurer. All the same, Dan London feels his insurance company has done a fair job. And while they bought their home in 1979, he has not seen a sharp jump in insurance costs over time. The cost to insure their new home is slightly more, but Dan felt it reflects the increased value of the property.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“I was expecting something triple, but it’s not at all,” he said.\u003c/p>\n\n",
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"excerpt": "While the industry says the California property insurance market is resilient, state lawmakers and officials have had to scramble to keep the market from grinding to a halt due to fire risk.",
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"title": "Wildfires Cause Turmoil in California Property Insurance Market | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Kent Michitsch seemed to be running out of traditional options to insure the home he’s lived in for more than 30 years northeast of San Diego as California’s massive property insurance market reels from three consecutive years of destructive wildfires.\u003c/p>\n\u003cp>Michitsch, 57, has received three non-renewal notices in three years and says he feared getting a fourth one when his homeowners’ policy comes up for renewal the middle of next year if it wasn’t for California lawmaker’s \u003ca href=\"https://www.kqed.org/news/11789809/state-bans-insurers-from-dropping-homeowner-policies-in-areas-hit-by-wildfires\" target=\"_blank\" rel=\"noopener noreferrer\">recent intervention\u003c/a> in the market.\u003c/p>\n\u003cp>“It’s constant worry and frustration. You know you’re covered now, but I might have to look for a new policy next year yet again.” Michitsch says he’s never made a claim on his insurance and never had fire damage.\u003c/p>\n\u003cp>Thousands of homeowners like Michitsch have lost their insurance policies in the last few years as insurers pull out of areas that are at risk of fire damage or stop insuring homes altogether. They’ve been forced to scramble to find coverage from regular insurance providers or to turn as a last resort to a government sanctioned plan that at the moment only provides fire coverage.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>State Farm, the largest in the state, and Allstate and other insurers declined to renew roughly 350,000 policies in areas at high risk for wildfires since 2015 the California Department of Insurance said back in August, and the department has gotten “record numbers” of requests this year from insurers to increase the rates they charge property owners. The data also shows 33,000 policies were not renewed by insurers in zip codes affected by the major wildfires.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>While the insurance industry says the California property insurance market is resilient, state lawmakers and officials have had to scramble to keep the market from grinding to a halt from the unexpected additional risk.\u003c/p>\n\u003cp>The California legislature passed a law earlier this year giving the Department of Insurance emergency powers to keep policies in effect for those in fire-prone areas. This month California Insurance Commissioner Ricardo Lara put a one-year moratorium on non-renewals, in hopes that lawmakers, insurance companies and other stakeholders can reach a more substantial solution for the roughly 1 million homeowners in zip codes adjacent to previous wildfires.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“This wildfire insurance crisis has been years in the making, but it is an emergency we must deal with now if we are going to keep the California dream of home ownership from becoming the California nightmare, as an increasing number of homeowners struggle to find coverage,” Lara said in a statement.\u003c/p>\n\u003cp>The fires of 2017 and 2018 caused a combined $25.3 billion in damages according to the California Department of Insurance. That’s exponentially higher than the previous wildfires in 2015 and 2008, which caused $1.1 billion and $719 million in damages, respectively.\u003c/p>\n\u003cp>The insurance industry has yet to release an estimate of damages from this year’s wildfire season, but the costs are expected to be high. The most significant wildfire this year was the \u003ca href=\"https://www.kqed.org/news/tag/kincade-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Kincade fire\u003c/a>, which is started October 23 and has burned 78,000 acres in Sonoma county. It destroyed 374 buildings and damaged another 60, according to the California Department of Forestry & Fire Protection.\u003c/p>\n\u003cp>“The wildfires in California will likely make it more difficult for California homeowners to buy insurance,” Stu Ryland, senior vice president of the Pacific Region at Sedgwick, an insurance claims management company. “Premiums are likely to go up, particularly in areas that are prone to wildfires and in some cases, it may be difficult for consumers to find an insurer willing to write their insurance.”\u003c/p>\n\u003cp>While some insurers are pulling out and others are reconsidering how they price property insurance, it is still available in one form or another to every homeowner, according to the Insurance Information Institute.\u003c/p>\n\u003cp>However, those not insurable by regular insurance providers are having to turn to what’s known as the California FAIR Plan, which is a government-sanctioned association of insurers who pool together to cover the highest risk properties. FAIR Plan insurance currently only covers $1.5 million in damages, although Lara has ordered that starting in April 2020 it will cover $3 million in damages. Currently the FAIR Plan only covers fire, not other forms of risk, but California regulators have announced that FAIR Plan insurers can start doing comprehensive coverage.\u003c/p>\n\u003cp>Earlier this month, the \u003ca href=\"https://www.cfpnet.com\" target=\"_blank\" rel=\"noopener noreferrer\">California FAIR Plan Association\u003c/a> sued to block those changes, arguing Lara’s order is illegal.\u003c/p>\n\u003cp>Karl Susman, owner of Susman Insurance Agency in Los Angeles, says the average annual premium on a homeowner policy plus FAIR to cover fire now costs around $2,500 a year, which is three times higher than it was three years ago.\u003c/p>\n\u003cp>“These wildfires are not sustainable for these companies. They aren’t going to go bankrupt but they are just going to stop writing policies.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Susman said he worries that without a longer-term solution the California insurance market will repeat the experience after the 1994 California Northridge earthquake, which caused many insurance carriers to stop offering earthquake insurance. He’s already seen insurance companies limiting their risk to certain zip codes as well.\u003c/p>\n\u003cp>“I haven’t seen anything like this in the 28 years I’ve been doing this,” he said.\u003c/p>\n\u003cp>Fortunately, those who still do have insurance have been able to start rebuilding their lives after the fires.\u003c/p>\n\u003cp>Maggie and Dan London of Santa Rosa lost their home in the massive and fatal \u003ca href=\"https://www.kqed.org/news/tag/tubbs-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Tubbs fire of 2017\u003c/a>. They worked quickly after the fire, filing a claim and reaching out to their contractor that same day. But it took them two years to rebuild and move back in.\u003c/p>\n\u003cp>Like many who tried to rebuild after the fire, they ran into obstacles — higher costs for labor and materials and ongoing talks with their insurer. All the same, Dan London feels his insurance company has done a fair job. And while they bought their home in 1979, he has not seen a sharp jump in insurance costs over time. The cost to insure their new home is slightly more, but Dan felt it reflects the increased value of the property.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "1987 Report Suggested PG&E Study C-Hooks, But Utility Can't Say Whether It Followed Up",
"title": "1987 Report Suggested PG&E Study C-Hooks, But Utility Can't Say Whether It Followed Up",
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"content": "\u003cp>In the latest twist in the saga surrounding how PG&E maintained the high-voltage power line that sparked California's deadliest wildfire, the company is acknowledging that it received troubling information about a key piece of hardware used on its transmission towers more than 30 years ago, but is unable to say what steps, if any, it took in response.\u003c/p>\n\u003cp>In \u003ca href=\"https://assets.documentcloud.org/documents/6588960/PG-E-Dec-19-2019-Response-to-Alsup-Questions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">a federal court filing\u003c/a> Thursday, the company confirmed part of \u003ca href=\"https://www.nbcbayarea.com/news/pge-alerted-to-risk-of-worn-hooks-back-in-1987/2194359/\" target=\"_blank\" rel=\"noopener noreferrer\">a recent NBC Bay Area report\u003c/a> that it had conducted tests of \"C-hooks\" used in connecting insulators and power lines to transmission towers.\u003c/p>\n\u003cp>[aside postID=news_11791486,news_11791785,news_11789259 label='Related Coverage']\u003c/p>\n\u003cp>The hooks and their maintenance history are the focus of attention because a badly worn C-hook on a PG&E transmission tower in Butte County snapped early the morning of Nov. 8, 2018, allowing a charged piece of cable to swing free. The resulting arc sparked the Camp Fire, which destroyed most of Paradise and two nearby communities and killed 85 people.\u003c/p>\n\u003cp>In its Thursday response to a series of 10 technical questions from U.S. District Judge William Alsup, who is overseeing the company's criminal probation for federal pipeline safety violations, PG&E released \u003ca href=\"https://assets.documentcloud.org/documents/6588959/PG-E-1987-Report-on-Worn-C-Hooks-J-Hooks.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">a 1987 report\u003c/a> that briefly outlined concerns about worn hooks discovered on a Contra Costa County transmission line and reported the results of strength tests on the hardware.\u003c/p>\n\u003cp>The 1987 report says a PG&E transmission and distribution manager asked for the tests on a pair of worn hooks \"because there was a concern that they may not be able to hold the weight of insulator strings that are suspended from them.\"\u003c/p>\n\u003cfigure id=\"attachment_11792390\" class=\"wp-caption alignright\" style=\"max-width: 390px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/pge-c-hooks.jpg\">\u003cimg class=\"size-medium wp-image-11792390\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/pge-c-hooks-800x569.jpg\" alt=\"\" width=\"390\" height=\"273\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A worn suspension hook, variously referred to as a C-hook or J-hook, found on a PG&E high-voltage transmission tower in Contra Costa County. The hook, which a PG&E lab said may have suffered wear from supporting swinging power lines, underwent testing in early 1987 and failed at far less than its design strength.\u003c/figcaption>\u003c/figure>\n\u003cp>PG&E tested two worn hooks, which had been removed from a tower on the Oleum-G transmission line in Contra Costa County, along with a third hook that had no visible sign of wear.\u003c/p>\n\u003cp>The hooks had an \"ultimate strength\" rating of 30,000 pounds — the predicted amount of force that could be applied to them before they failed. But in the tests, the worn hooks from the Oleum-G line failed at just 11,500 pounds. The third, apparently undamaged, hook failed at a much lower point.\u003c/p>\n\u003cp>“The hook without visible flaws failed at 6,900 lbs. and the rating for these hooks is 30,000 lbs,\" the report observed. \"This would suggest that a test be done on some random samples of different manufacturers’ hooks from PG&E stores to check their strength against specifications.”\u003c/p>\n\u003cp>In its Thursday filing, PG&E said it had been unable to find any evidence that the recommended testing had taken place.\u003c/p>\n\u003cp>\"PG&E has searched for records relating to any such strength testing during the late 1980s but has not located any such records that have been retained,\" the company's lawyers wrote.\u003c/p>\n\u003cp>The new document also rejects expert opinions reported in the Dec. 11 NBC Bay Area report about the 1987 tests that \"PG&E was aware of a big problem and did nothing to solve that problem,\" and that the company \"knew there was a problem for 30 years.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The company said that those statements ignored its program of transmission line inspections. For the tower involved in starting the Camp Fire, PG&E has said it conducted routine ground inspections every five years and that aerial and infrared inspections were conducted repeatedly on the associated transmission line.\u003c/p>\n\u003cp>But the California Public Utilities Commission noted in its \u003ca href=\"https://www.kqed.org/news/11789259/state-probe-says-pge-missed-deadly-flaw-on-line-that-sparked-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">recently released investigative report\u003c/a> on the Camp Fire that PG&E crews had not performed a close-up climbing inspection of the tower that sparked the fire since at least 2001.\u003c/p>\n\u003cp>\"This omission is a violation of PG&E's own policy requiring climbing inspection on towers where recurring problems exist,\" the report said. \"... A climbing inspection of the incident tower during that time could have identified the worn C-hook before it failed, and that its timely replacement could have prevented ignition of the Camp Fire.\"\u003c/p>\n\u003cp>PG&E's new filing notes that the utility's 50,000-plus transmission towers include hundreds of thousands of C-hooks.\u003c/p>\n\u003cp>In answer to a specific question from Alsup about whether the company had ever noticed any worn C-hooks or hanger plates — devices that secure the hooks to towers — prior to the Camp Fire, PG&E listed about a dozen cases of wear involving hooks on about 70 towers dating back to 1987. It noted two other occasions where hooks failed in the decade before the Camp Fire.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>In the latest twist in the saga surrounding how PG&E maintained the high-voltage power line that sparked California's deadliest wildfire, the company is acknowledging that it received troubling information about a key piece of hardware used on its transmission towers more than 30 years ago, but is unable to say what steps, if any, it took in response.\u003c/p>\n\u003cp>In \u003ca href=\"https://assets.documentcloud.org/documents/6588960/PG-E-Dec-19-2019-Response-to-Alsup-Questions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">a federal court filing\u003c/a> Thursday, the company confirmed part of \u003ca href=\"https://www.nbcbayarea.com/news/pge-alerted-to-risk-of-worn-hooks-back-in-1987/2194359/\" target=\"_blank\" rel=\"noopener noreferrer\">a recent NBC Bay Area report\u003c/a> that it had conducted tests of \"C-hooks\" used in connecting insulators and power lines to transmission towers.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The hooks and their maintenance history are the focus of attention because a badly worn C-hook on a PG&E transmission tower in Butte County snapped early the morning of Nov. 8, 2018, allowing a charged piece of cable to swing free. The resulting arc sparked the Camp Fire, which destroyed most of Paradise and two nearby communities and killed 85 people.\u003c/p>\n\u003cp>In its Thursday response to a series of 10 technical questions from U.S. District Judge William Alsup, who is overseeing the company's criminal probation for federal pipeline safety violations, PG&E released \u003ca href=\"https://assets.documentcloud.org/documents/6588959/PG-E-1987-Report-on-Worn-C-Hooks-J-Hooks.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">a 1987 report\u003c/a> that briefly outlined concerns about worn hooks discovered on a Contra Costa County transmission line and reported the results of strength tests on the hardware.\u003c/p>\n\u003cp>The 1987 report says a PG&E transmission and distribution manager asked for the tests on a pair of worn hooks \"because there was a concern that they may not be able to hold the weight of insulator strings that are suspended from them.\"\u003c/p>\n\u003cfigure id=\"attachment_11792390\" class=\"wp-caption alignright\" style=\"max-width: 390px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/pge-c-hooks.jpg\">\u003cimg class=\"size-medium wp-image-11792390\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/12/pge-c-hooks-800x569.jpg\" alt=\"\" width=\"390\" height=\"273\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A worn suspension hook, variously referred to as a C-hook or J-hook, found on a PG&E high-voltage transmission tower in Contra Costa County. The hook, which a PG&E lab said may have suffered wear from supporting swinging power lines, underwent testing in early 1987 and failed at far less than its design strength.\u003c/figcaption>\u003c/figure>\n\u003cp>PG&E tested two worn hooks, which had been removed from a tower on the Oleum-G transmission line in Contra Costa County, along with a third hook that had no visible sign of wear.\u003c/p>\n\u003cp>The hooks had an \"ultimate strength\" rating of 30,000 pounds — the predicted amount of force that could be applied to them before they failed. But in the tests, the worn hooks from the Oleum-G line failed at just 11,500 pounds. The third, apparently undamaged, hook failed at a much lower point.\u003c/p>\n\u003cp>“The hook without visible flaws failed at 6,900 lbs. and the rating for these hooks is 30,000 lbs,\" the report observed. \"This would suggest that a test be done on some random samples of different manufacturers’ hooks from PG&E stores to check their strength against specifications.”\u003c/p>\n\u003cp>In its Thursday filing, PG&E said it had been unable to find any evidence that the recommended testing had taken place.\u003c/p>\n\u003cp>\"PG&E has searched for records relating to any such strength testing during the late 1980s but has not located any such records that have been retained,\" the company's lawyers wrote.\u003c/p>\n\u003cp>The new document also rejects expert opinions reported in the Dec. 11 NBC Bay Area report about the 1987 tests that \"PG&E was aware of a big problem and did nothing to solve that problem,\" and that the company \"knew there was a problem for 30 years.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The company said that those statements ignored its program of transmission line inspections. For the tower involved in starting the Camp Fire, PG&E has said it conducted routine ground inspections every five years and that aerial and infrared inspections were conducted repeatedly on the associated transmission line.\u003c/p>\n\u003cp>But the California Public Utilities Commission noted in its \u003ca href=\"https://www.kqed.org/news/11789259/state-probe-says-pge-missed-deadly-flaw-on-line-that-sparked-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">recently released investigative report\u003c/a> on the Camp Fire that PG&E crews had not performed a close-up climbing inspection of the tower that sparked the fire since at least 2001.\u003c/p>\n\u003cp>\"This omission is a violation of PG&E's own policy requiring climbing inspection on towers where recurring problems exist,\" the report said. \"... A climbing inspection of the incident tower during that time could have identified the worn C-hook before it failed, and that its timely replacement could have prevented ignition of the Camp Fire.\"\u003c/p>\n\u003cp>PG&E's new filing notes that the utility's 50,000-plus transmission towers include hundreds of thousands of C-hooks.\u003c/p>\n\u003cp>In answer to a specific question from Alsup about whether the company had ever noticed any worn C-hooks or hanger plates — devices that secure the hooks to towers — prior to the Camp Fire, PG&E listed about a dozen cases of wear involving hooks on about 70 towers dating back to 1987. It noted two other occasions where hooks failed in the decade before the Camp Fire.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"title": "PG&E Announces $13.5 Billion Deal to Resolve Wildfire Claims",
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"content": "\u003cp>\u003cem>Updated Sunday at 3:05 p.m.\u003c/em>\u003c/p>\n\u003cp>PG&E has reached a $13.5 billion deal to settle claims stemming from recent catastrophic fires blamed on its equipment, marking a key milestone in the utility’s plan to exit from \u003ca href=\"https://www.kqed.org/news/tag/pge\" target=\"_blank\" rel=\"noopener noreferrer\">Chapter 11 bankruptcy\u003c/a>.\u003c/p>\n\u003cp>In an \u003ca href=\"https://www.pgecurrents.com/2019/12/06/in-final-major-settlement-pge-reaches-agreement-to-resolve-individual-claims-relating-to-the-2017-and-2018-wildfires-and-the-2015-butte-fire/\" target=\"_blank\" rel=\"noopener noreferrer\">announcement\u003c/a> Friday, the company said the agreement resolves all major claims related to the North Bay fires of 2017, last November’s devastating \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Camp Fire\u003c/a>, the 2016\u003ca href=\"https://www.kqed.org/news/tag/ghost-ship-fire\" target=\"_blank\" rel=\"noopener noreferrer\"> Ghost Ship warehouse fire\u003c/a> in Oakland and the 2015 \u003ca href=\"https://www.kqed.org/news/tag/butte-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Butte Fire\u003c/a>.\u003c/p>\n\u003cp>“Since the beginning of the Chapter 11 process, getting wildfire victims fairly compensated, especially the individuals, has been our primary goal,” PG&E CEO Bill Johnson said in a statement.\u003c/p>\n\u003cp>https://twitter.com/PGE4Me/status/1203207532900208641\u003c/p>\n\u003cp>The utility filed for \u003ca href=\"https://www.kqed.org/news/11721763/pge-just-filed-for-bankruptcy-heres-what-happens-next\" target=\"_blank\" rel=\"noopener noreferrer\">bankruptcy protection\u003c/a> in January amid mounting liability over recent fires and intense scrutiny for failing to properly inspect its extensive network of power lines. The new agreement is the third significant settlement PG&E has reached in its bankruptcy case and is seen as a big win for lawyers representing wildfire victims.\u003c/p>\n\u003cp>“This is the fastest and most certain way to get fire victims paid so that they can begin to recover from those tragedies,” said attorney Millbrae-based Amanda Riddle.\u003c/p>\n\u003cp>Napa state Sen. Bill Dodd, a longtime critic of PG&E, said he thinks the settlement is “pretty darn good.”\u003c/p>\n\u003cp>“I would hope, though, that it wouldn’t take too long and there wouldn’t be too many obstacles to get this money,” Dodd said. “I mean, that just further victimizes, you know, people that have just had so much go wrong in their lives as a result of these fires. So my hope is the settlement’s approved and distributed as soon as possible.”\u003c/p>\n\u003cp>[aside postID='news_11789259,news_11785582,news_11788316' label='RELATED COVERAGE']\u003c/p>\n\u003cp>Out of an estimated 100,000 wildfire victims, only 70,000 have filed claims, according to Patrick McCallum, a wildfire victim who runs a lobbying firm that represents a wildfire victims group known as \u003ca href=\"https://www.holdpgeaccountable.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Up from the Ashes\u003c/a>.\u003c/p>\n\u003cp>“$13.5 billion divided by 70,000—of course each person’s amounts are different—we think it’s going to cover most of what’s needed to make victims whole,” McCallum said.\u003c/p>\n\u003cp>The settlement can also be seen as a win for PG&E. According to \u003ca href=\"https://www.uchastings.edu/people/jared-ellias/\" target=\"_blank\" rel=\"noopener noreferrer\">Jared Ellias\u003c/a>, bankruptcy expert and professor at UC Hastings College of the Law, Friday’s announcement marks substantive progress for the utility company’s bankruptcy case.\u003c/p>\n\u003cp>“It strongly suggests that this Chapter 11 case is coming to a conclusion, which will mean that PG&E will be able to leave bankruptcy next year, and that the wildfire victims will be able to get paid, and really importantly, they’ll be able to get out of bankruptcy before next year’s fire season,” said Ellias.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Ellias said it’s “exciting” that the lawyers representing the wildfire victims have come to an agreement with the company on the settlement number. It suggests that lawyers’ financial analysis concluded “this is a good amount of money for the wildfire victims.”\u003c/p>\n\u003cp>Since the exact details of the settlement have yet to be released, Ellias said, “It’s still too early to tell exactly what this announcement is going to mean for wildfire victims. In terms of the timing of payment and how exactly payment is going to come, we’ll need to learn more.”\u003c/p>\n\u003cp>Wildfire victims must file claims by a Dec. 31 deadline, which was extended from \u003ca href=\"https://www.kqed.org/news/11780975/the-deadline-to-file-wildfire-claims-with-pge-is-monday-heres-what-you-need-to-know\" target=\"_blank\" rel=\"noopener noreferrer\">October\u003c/a>.\u003c/p>\n\u003cp>Many victims, particularly those from the Camp Fire who couldn’t find shelter in Butte County due to limited space, had to move out of state or in with relatives, McCallum said, “So it’s been difficult to get the information to them.”\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/forum/tag/tubbs-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Tubbs Fire\u003c/a> victim Will Abrams is holding off on celebrating.\u003c/p>\n\u003cp>“These settlements could take 10-plus years to litigate and deals will need to be negotiated with insurers before payments are released, sometimes in installment payments.” Abrams said.\u003c/p>\n\u003cp>“I hope that is not the case, but the devil is in the details, and I’m not confident that this will make victims whole, who lost everything.”\u003c/p>\n\u003cp>The multi-billion dollar deal is still subject to approval in bankruptcy court.\u003c/p>\n\u003cp>\u003cem>KQED’s Lily Jamali and Julie Chang contributed reporting to this story.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Updated Sunday at 3:05 p.m.\u003c/em>\u003c/p>\n\u003cp>PG&E has reached a $13.5 billion deal to settle claims stemming from recent catastrophic fires blamed on its equipment, marking a key milestone in the utility’s plan to exit from \u003ca href=\"https://www.kqed.org/news/tag/pge\" target=\"_blank\" rel=\"noopener noreferrer\">Chapter 11 bankruptcy\u003c/a>.\u003c/p>\n\u003cp>In an \u003ca href=\"https://www.pgecurrents.com/2019/12/06/in-final-major-settlement-pge-reaches-agreement-to-resolve-individual-claims-relating-to-the-2017-and-2018-wildfires-and-the-2015-butte-fire/\" target=\"_blank\" rel=\"noopener noreferrer\">announcement\u003c/a> Friday, the company said the agreement resolves all major claims related to the North Bay fires of 2017, last November’s devastating \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Camp Fire\u003c/a>, the 2016\u003ca href=\"https://www.kqed.org/news/tag/ghost-ship-fire\" target=\"_blank\" rel=\"noopener noreferrer\"> Ghost Ship warehouse fire\u003c/a> in Oakland and the 2015 \u003ca href=\"https://www.kqed.org/news/tag/butte-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Butte Fire\u003c/a>.\u003c/p>\n\u003cp>“Since the beginning of the Chapter 11 process, getting wildfire victims fairly compensated, especially the individuals, has been our primary goal,” PG&E CEO Bill Johnson said in a statement.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>The utility filed for \u003ca href=\"https://www.kqed.org/news/11721763/pge-just-filed-for-bankruptcy-heres-what-happens-next\" target=\"_blank\" rel=\"noopener noreferrer\">bankruptcy protection\u003c/a> in January amid mounting liability over recent fires and intense scrutiny for failing to properly inspect its extensive network of power lines. The new agreement is the third significant settlement PG&E has reached in its bankruptcy case and is seen as a big win for lawyers representing wildfire victims.\u003c/p>\n\u003cp>“This is the fastest and most certain way to get fire victims paid so that they can begin to recover from those tragedies,” said attorney Millbrae-based Amanda Riddle.\u003c/p>\n\u003cp>Napa state Sen. Bill Dodd, a longtime critic of PG&E, said he thinks the settlement is “pretty darn good.”\u003c/p>\n\u003cp>“I would hope, though, that it wouldn’t take too long and there wouldn’t be too many obstacles to get this money,” Dodd said. “I mean, that just further victimizes, you know, people that have just had so much go wrong in their lives as a result of these fires. So my hope is the settlement’s approved and distributed as soon as possible.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Out of an estimated 100,000 wildfire victims, only 70,000 have filed claims, according to Patrick McCallum, a wildfire victim who runs a lobbying firm that represents a wildfire victims group known as \u003ca href=\"https://www.holdpgeaccountable.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Up from the Ashes\u003c/a>.\u003c/p>\n\u003cp>“$13.5 billion divided by 70,000—of course each person’s amounts are different—we think it’s going to cover most of what’s needed to make victims whole,” McCallum said.\u003c/p>\n\u003cp>The settlement can also be seen as a win for PG&E. According to \u003ca href=\"https://www.uchastings.edu/people/jared-ellias/\" target=\"_blank\" rel=\"noopener noreferrer\">Jared Ellias\u003c/a>, bankruptcy expert and professor at UC Hastings College of the Law, Friday’s announcement marks substantive progress for the utility company’s bankruptcy case.\u003c/p>\n\u003cp>“It strongly suggests that this Chapter 11 case is coming to a conclusion, which will mean that PG&E will be able to leave bankruptcy next year, and that the wildfire victims will be able to get paid, and really importantly, they’ll be able to get out of bankruptcy before next year’s fire season,” said Ellias.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Ellias said it’s “exciting” that the lawyers representing the wildfire victims have come to an agreement with the company on the settlement number. It suggests that lawyers’ financial analysis concluded “this is a good amount of money for the wildfire victims.”\u003c/p>\n\u003cp>Since the exact details of the settlement have yet to be released, Ellias said, “It’s still too early to tell exactly what this announcement is going to mean for wildfire victims. In terms of the timing of payment and how exactly payment is going to come, we’ll need to learn more.”\u003c/p>\n\u003cp>Wildfire victims must file claims by a Dec. 31 deadline, which was extended from \u003ca href=\"https://www.kqed.org/news/11780975/the-deadline-to-file-wildfire-claims-with-pge-is-monday-heres-what-you-need-to-know\" target=\"_blank\" rel=\"noopener noreferrer\">October\u003c/a>.\u003c/p>\n\u003cp>Many victims, particularly those from the Camp Fire who couldn’t find shelter in Butte County due to limited space, had to move out of state or in with relatives, McCallum said, “So it’s been difficult to get the information to them.”\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/forum/tag/tubbs-fire\" target=\"_blank\" rel=\"noopener noreferrer\">Tubbs Fire\u003c/a> victim Will Abrams is holding off on celebrating.\u003c/p>\n\u003cp>“These settlements could take 10-plus years to litigate and deals will need to be negotiated with insurers before payments are released, sometimes in installment payments.” Abrams said.\u003c/p>\n\u003cp>“I hope that is not the case, but the devil is in the details, and I’m not confident that this will make victims whole, who lost everything.”\u003c/p>\n\u003cp>The multi-billion dollar deal is still subject to approval in bankruptcy court.\u003c/p>\n\u003cp>\u003cem>KQED’s Lily Jamali and Julie Chang contributed reporting to this story.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"disqusTitle": "State Probe Says PG&E Missed Deadly Flaw on Line That Sparked Camp Fire",
"title": "State Probe Says PG&E Missed Deadly Flaw on Line That Sparked Camp Fire",
"headTitle": "The California Report | KQED News",
"content": "\u003cp>State public utilities investigators say that PG&E overlooked critical maintenance problems on the high-voltage power line that sparked last year's devastating Camp Fire in Butte County — a failure they trace to years of inadequate inspections and maintenance of the line.\u003c/p>\n\u003cp>The \u003ca href=\"https://assets.documentcloud.org/documents/6566012/CPUC-SED-Camp-Fire-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">newly released report\u003c/a> from the California Public Utilities Commission's Safety and Enforcement Division said PG&E's lapses included a long-term failure to perform a close-up inspection of the transmission tower where the fire began — despite indications of possible problems there.\u003c/p>\n\u003cp>A Cal Fire investigation found that a \"\u003ca href=\"https://assets.documentcloud.org/documents/6566372/CPUC-Report-Definitions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">C-hook\u003c/a>\" connector on the nearly century-old tower snapped the morning of Nov. 8, 2018, allowing an electrified cable to swing against the steel structure. The resulting arc provided the spark that touched off the blaze, which killed 85 people in and around the town of Paradise and incinerated nearly 14,000 homes.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"CPUC's incident investigation report on the Camp Fire\"]'The identified shortcomings in PG&E's inspection and maintenance of the incident tower were not isolated, but rather indicative of an overall pattern of inadequate inspection and maintenance of PG&E's transmission facilities.'[/pullquote]\u003c/p>\n\u003cp>Investigators found that the broken C-hook was badly worn before it broke, an issue that escaped PG&E's attention during routine ground-based inspections of its Caribou-Palermo 115-kilovolt line along the Feather River.\u003c/p>\n\u003cp>The CPUC's report said equipment problems on the tower were reported as early as 2009 and that under PG&E's own policies, those issues should have prompted a \"\u003ca href=\"https://assets.documentcloud.org/documents/6566372/CPUC-Report-Definitions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">detailed climbing inspection\u003c/a>\" of the structure.\u003c/p>\n\u003cp>But the Safety and Enforcement Division said it found no record that PG&E had conducted such an inspection on the tower since at least 2001.\u003c/p>\n\u003cp>\"This omission is a violation of PG&E's own policy requiring climbing inspection on towers where recurring problems exist,\" the report said. \"SED notes that a climbing inspection of the incident tower during that time could have identified the worn C-hook before it failed, and that its timely replacement could have prevented ignition of the Camp Fire.\"\u003c/p>\n\u003cp>The report also notes that PG&E's own inspections after the Camp Fire detected numerous other equipment deficiencies on the Caribou-Palermo line.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The Safety and Enforcement Division pointed to that as evidence of poor inspection practices before the fires and as a sign of a more systematic problem with PG&E's inspection and maintenance procedures.\u003c/p>\n\u003cp>\"SED's investigation of the Camp Fire found that the identified shortcomings in PG&E's inspection and maintenance of the incident tower were not isolated, but rather indicative of an overall pattern of inadequate inspection and maintenance of PG&E's transmission facilities,\" the report said.\u003c/p>\n\u003cp>The 31-page document was made public last week as part of a Safety and Enforcement Division motion to include the Camp Fire in an ongoing commission investigation into PG&E's role in sparking a string of catastrophic wildfires.\u003c/p>\n\u003cp>The CPUC launched the probe, focused on the Northern California wildfires of October 2017, earlier this year. The company could face fines and other penalties if the CPUC determines that it violated commission rules or state law in the way it operated, inspected and maintained its lines.\u003c/p>\n\u003cp>The new SED report alleges 12 such violations in connection with the Camp Fire, most of which focus on faulty inspections, maintenance and record-keeping associated with the Caribou-Palermo transmission line.\u003c/p>\n\u003cp>[aside postID=news_11788316,news_11760306,news_11747755 label='Related Coverage']One of the alleged violations is more general, charging PG&E \"failed to maintain an effective inspection and maintenance program to identify and correct hazardous conditions on its transmission lines in order to furnish and maintain service, as are necessary to promote the safety and health of its patrons and the public.\"\u003c/p>\n\u003cp>Steven Weissman, a lecturer at UC Berkeley's Goldman School of Public Policy and a former CPUC administrative law judge, said the SED's findings \"raise very serious questions\" about the condition of PG&E's other transmission lines.\u003c/p>\n\u003cp>\"The combination of factors they (SED) describe related to that one line, that one tower, that one C-hook suggest a pattern of neglect,\" Weissman said. \"When you see that, there's no reason to assume that it's an isolated situation.\"\u003c/p>\n\u003cp>The SED's finding about PG&E's inspection process is \"definitely a red flag, a reason to suspect there may be problems elsewhere,\" Weissman said.\u003c/p>\n\u003cp>In a statement, PG&E said it accepted the conclusion that its transmission lines \"were a cause of the Camp Fire\" and reiterated an apology to those affected by the disaster. The statement did not address the underlying allegations that shoddy inspections led to the equipment failure that triggered the disaster.\u003c/p>\n\u003cp>The company also noted that in the wake of the Camp Fire tragedy, it has undertaken a systemwide inspection of its transmission and distribution facilities.\u003c/p>\n\u003cp>\"Throughout the inspection process, we have addressed and repaired conditions that pose an immediate safety risk, while completing other high-priority repairs on an accelerated basis,\" the company statement said. \"Repairs for other conditions will be completed as part of our routine work execution plan.\"\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>State public utilities investigators say that PG&E overlooked critical maintenance problems on the high-voltage power line that sparked last year's devastating Camp Fire in Butte County — a failure they trace to years of inadequate inspections and maintenance of the line.\u003c/p>\n\u003cp>The \u003ca href=\"https://assets.documentcloud.org/documents/6566012/CPUC-SED-Camp-Fire-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">newly released report\u003c/a> from the California Public Utilities Commission's Safety and Enforcement Division said PG&E's lapses included a long-term failure to perform a close-up inspection of the transmission tower where the fire began — despite indications of possible problems there.\u003c/p>\n\u003cp>A Cal Fire investigation found that a \"\u003ca href=\"https://assets.documentcloud.org/documents/6566372/CPUC-Report-Definitions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">C-hook\u003c/a>\" connector on the nearly century-old tower snapped the morning of Nov. 8, 2018, allowing an electrified cable to swing against the steel structure. The resulting arc provided the spark that touched off the blaze, which killed 85 people in and around the town of Paradise and incinerated nearly 14,000 homes.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Investigators found that the broken C-hook was badly worn before it broke, an issue that escaped PG&E's attention during routine ground-based inspections of its Caribou-Palermo 115-kilovolt line along the Feather River.\u003c/p>\n\u003cp>The CPUC's report said equipment problems on the tower were reported as early as 2009 and that under PG&E's own policies, those issues should have prompted a \"\u003ca href=\"https://assets.documentcloud.org/documents/6566372/CPUC-Report-Definitions.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">detailed climbing inspection\u003c/a>\" of the structure.\u003c/p>\n\u003cp>But the Safety and Enforcement Division said it found no record that PG&E had conducted such an inspection on the tower since at least 2001.\u003c/p>\n\u003cp>\"This omission is a violation of PG&E's own policy requiring climbing inspection on towers where recurring problems exist,\" the report said. \"SED notes that a climbing inspection of the incident tower during that time could have identified the worn C-hook before it failed, and that its timely replacement could have prevented ignition of the Camp Fire.\"\u003c/p>\n\u003cp>The report also notes that PG&E's own inspections after the Camp Fire detected numerous other equipment deficiencies on the Caribou-Palermo line.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The Safety and Enforcement Division pointed to that as evidence of poor inspection practices before the fires and as a sign of a more systematic problem with PG&E's inspection and maintenance procedures.\u003c/p>\n\u003cp>\"SED's investigation of the Camp Fire found that the identified shortcomings in PG&E's inspection and maintenance of the incident tower were not isolated, but rather indicative of an overall pattern of inadequate inspection and maintenance of PG&E's transmission facilities,\" the report said.\u003c/p>\n\u003cp>The 31-page document was made public last week as part of a Safety and Enforcement Division motion to include the Camp Fire in an ongoing commission investigation into PG&E's role in sparking a string of catastrophic wildfires.\u003c/p>\n\u003cp>The CPUC launched the probe, focused on the Northern California wildfires of October 2017, earlier this year. The company could face fines and other penalties if the CPUC determines that it violated commission rules or state law in the way it operated, inspected and maintained its lines.\u003c/p>\n\u003cp>The new SED report alleges 12 such violations in connection with the Camp Fire, most of which focus on faulty inspections, maintenance and record-keeping associated with the Caribou-Palermo transmission line.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>One of the alleged violations is more general, charging PG&E \"failed to maintain an effective inspection and maintenance program to identify and correct hazardous conditions on its transmission lines in order to furnish and maintain service, as are necessary to promote the safety and health of its patrons and the public.\"\u003c/p>\n\u003cp>Steven Weissman, a lecturer at UC Berkeley's Goldman School of Public Policy and a former CPUC administrative law judge, said the SED's findings \"raise very serious questions\" about the condition of PG&E's other transmission lines.\u003c/p>\n\u003cp>\"The combination of factors they (SED) describe related to that one line, that one tower, that one C-hook suggest a pattern of neglect,\" Weissman said. \"When you see that, there's no reason to assume that it's an isolated situation.\"\u003c/p>\n\u003cp>The SED's finding about PG&E's inspection process is \"definitely a red flag, a reason to suspect there may be problems elsewhere,\" Weissman said.\u003c/p>\n\u003cp>In a statement, PG&E said it accepted the conclusion that its transmission lines \"were a cause of the Camp Fire\" and reiterated an apology to those affected by the disaster. The statement did not address the underlying allegations that shoddy inspections led to the equipment failure that triggered the disaster.\u003c/p>\n\u003cp>The company also noted that in the wake of the Camp Fire tragedy, it has undertaken a systemwide inspection of its transmission and distribution facilities.\u003c/p>\n\u003cp>\"Throughout the inspection process, we have addressed and repaired conditions that pose an immediate safety risk, while completing other high-priority repairs on an accelerated basis,\" the company statement said. \"Repairs for other conditions will be completed as part of our routine work execution plan.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Lukas Hartley stood in the end zone on Saturday night as raindrops mingled with his tears after his high school football team lost a division championship game.\u003c/p>\n\u003cp>“I didn’t cry this bad when my house burned down,” he said.\u003c/p>\n\u003cp>The senior running back was a leader of the Paradise High School football team one year after a \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">catastrophic wildfire\u003c/a> mostly destroyed their town, burning down roughly 19,000 buildings and \u003ca href=\"https://www.kqed.org/news/11710884/list-of-those-who-died-in-butte-county-paradise-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">killing 85 people\u003c/a>. All but three football players lost their homes, forcing the team to forfeit a home playoff game and end its 8-2 season.\u003c/p>\n\u003cp>[aside tag='camp-fire' label='More Coverage.']\u003c/p>\n\u003cp>One year later, Paradise players were determined to finish what they started, completing an undefeated season and making it all the way to the Northern Section Division III championship game. But their season ended with a 20-7 loss to Sutter Union High School on a cold, rainy night.\u003c/p>\n\u003cp>“No one really knows how much they truly battled just to be at practice and to do what they did,” head coach Rick Prinz said. “They lost everything they owned a year ago. They are all living in different places. And to pull it together like this and help our community come together is truly amazing.”\u003c/p>\n\u003cp>Paradise High School has a football tradition, consistently fielding competitive teams. The school produced Jeff Maehl, a wide receiver who played for the University of Oregon in the 2011 BCS national championship game and later played for two NFL teams.\u003c/p>\n\u003cp>But it appeared the team might not have a 2019 season following the Camp Fire, the most devastating wildfire in California history. In January, Prinz had just 22 players left from what had been a 56-man roster. The school had relocated to an office building by an airport, and without a field to practice on, the team ran plays on a gravel lot.\u003c/p>\n\u003cp>But slowly, players began coming back. They included brothers Julian and Andrew Ontiveros. They moved to Redding after the fire, enrolling in a local school. But their mother, Erica Browe, said they were miserable and their grades suffered. Reluctantly, she agreed to let them go back to Paradise and live with some friends so they could return to the school and play football.[pullquote size='medium' align='right' citation='Emily Fleming']‘It’s what movies are made of. A team overcoming for the sake of their community.’[/pullquote]\u003c/p>\n\u003cp>Other players, like Blake White, struggled to stay in Paradise. His mother, Suzanne White, said the family lived in a trailer on a walnut orchard for three months. They had no sewer system, using an outhouse and driving a quarter-mile just to shower.\u003c/p>\n\u003cp>While most people have left Paradise, on Friday nights in the fall many returned to cheer on the team.\u003c/p>\n\u003cp>“They knew that they were holding Paradise in their hands, basically, helping to reunite the town,” Suzanne White said.\u003c/p>\n\u003cp>Hartley said the team could feel the community rallying around them, noting: “It was the talk of the town. There is nothing else to talk about because there is literally nothing else up there.”\u003c/p>\n\u003cp>Now that it’s over, he said he plans to be a firefighter once he finishes high school.\u003c/p>\n\u003cp>Emily Fleming, 46, doesn’t have a son on the team. But since she lost her home in the fire, she said she has moved between 50 and 60 times, staying in hotels and using Airbnb when she wasn’t living with friends or family members.\u003c/p>\n\u003cp>But she has been following the football team, showing up on Saturday night in the cold rain to watch the game.\u003c/p>\n\u003cp>“It’s what movies are made of. A team overcoming for the sake of their community,” she said. “They know it’s not about them anymore.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Lukas Hartley stood in the end zone on Saturday night as raindrops mingled with his tears after his high school football team lost a division championship game.\u003c/p>\n\u003cp>“I didn’t cry this bad when my house burned down,” he said.\u003c/p>\n\u003cp>The senior running back was a leader of the Paradise High School football team one year after a \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">catastrophic wildfire\u003c/a> mostly destroyed their town, burning down roughly 19,000 buildings and \u003ca href=\"https://www.kqed.org/news/11710884/list-of-those-who-died-in-butte-county-paradise-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">killing 85 people\u003c/a>. All but three football players lost their homes, forcing the team to forfeit a home playoff game and end its 8-2 season.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>One year later, Paradise players were determined to finish what they started, completing an undefeated season and making it all the way to the Northern Section Division III championship game. But their season ended with a 20-7 loss to Sutter Union High School on a cold, rainy night.\u003c/p>\n\u003cp>“No one really knows how much they truly battled just to be at practice and to do what they did,” head coach Rick Prinz said. “They lost everything they owned a year ago. They are all living in different places. And to pull it together like this and help our community come together is truly amazing.”\u003c/p>\n\u003cp>Paradise High School has a football tradition, consistently fielding competitive teams. The school produced Jeff Maehl, a wide receiver who played for the University of Oregon in the 2011 BCS national championship game and later played for two NFL teams.\u003c/p>\n\u003cp>But it appeared the team might not have a 2019 season following the Camp Fire, the most devastating wildfire in California history. In January, Prinz had just 22 players left from what had been a 56-man roster. The school had relocated to an office building by an airport, and without a field to practice on, the team ran plays on a gravel lot.\u003c/p>\n\u003cp>But slowly, players began coming back. They included brothers Julian and Andrew Ontiveros. They moved to Redding after the fire, enrolling in a local school. But their mother, Erica Browe, said they were miserable and their grades suffered. Reluctantly, she agreed to let them go back to Paradise and live with some friends so they could return to the school and play football.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Other players, like Blake White, struggled to stay in Paradise. His mother, Suzanne White, said the family lived in a trailer on a walnut orchard for three months. They had no sewer system, using an outhouse and driving a quarter-mile just to shower.\u003c/p>\n\u003cp>While most people have left Paradise, on Friday nights in the fall many returned to cheer on the team.\u003c/p>\n\u003cp>“They knew that they were holding Paradise in their hands, basically, helping to reunite the town,” Suzanne White said.\u003c/p>\n\u003cp>Hartley said the team could feel the community rallying around them, noting: “It was the talk of the town. There is nothing else to talk about because there is literally nothing else up there.”\u003c/p>\n\u003cp>Now that it’s over, he said he plans to be a firefighter once he finishes high school.\u003c/p>\n\u003cp>Emily Fleming, 46, doesn’t have a son on the team. But since she lost her home in the fire, she said she has moved between 50 and 60 times, staying in hotels and using Airbnb when she wasn’t living with friends or family members.\u003c/p>\n\u003cp>But she has been following the football team, showing up on Saturday night in the cold rain to watch the game.\u003c/p>\n\u003cp>“It’s what movies are made of. A team overcoming for the sake of their community,” she said. “They know it’s not about them anymore.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "The Camp Fire Burned Their Home, But Strong Family Ties Kept Them In Paradise",
"title": "The Camp Fire Burned Their Home, But Strong Family Ties Kept Them In Paradise",
"headTitle": "The California Report | KQED News",
"content": "\u003cp>Chelsea and Noah Isaacs were busy new parents to twin daughters when they lost their home in the Camp Fire in Paradise. That same day — Nov. 8, 2018 — Chelsea discovered she was pregnant again; later she would learn it was with another set of twins.\u003c/p>\n\u003cp>\"All of those things kind of created this perfect storm of appreciation for what I've got, but then at the same time this feeling of 'how is this all going to work?' that was really overwhelming initially,\" Chelsea said.\u003c/p>\n\u003cfigure id=\"attachment_11788784\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788784\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">A view of the canyon on Aug. 1 in Magalia. Only a handful of homes in nearby Paradise have been rebuilt since the Camp Fire in November 2018. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The family evacuated safely, but their home was destroyed. Noah said just two artifacts mysteriously survived unscathed: his 1956 Studebaker Commander, and the small patch of grass beneath it.\u003c/p>\n\u003cp>[aside tag=\"camp-fire\" label=\"Related coverage\"]\u003c/p>\n\u003cp>Chelsea's mom, Kim Schwartz, had been living on the Isaacs' land in a tiny house before the fire and was displaced alongside them. Together, the family stayed with friends and relatives in the weeks after the fire as they assessed their options: Should they rebuild or relocate?\u003c/p>\n\u003cp>Noah and Kim both work in Chico, a city about 15 miles away, and needed to stay in the area. Noah said he and Chelsea considered buying a home in a neighboring town, but it was costly and just didn't feel right. \u003ca href=\"https://www.npr.org/2019/05/29/724407043/after-paradise-living-with-fire-means-redefining-resilience\">Rebuilding a new house\u003c/a> on the same property ultimately proved the better option for insurance purposes, as they could build a bigger structure from scratch at a reasonable rate.\u003c/p>\n\u003cp>\"Really, as crappy as everything went ... when everything's said and done and we look back, we'll say that might have been one of the best things that's happened to us,\" Noah said. \"And I know a lot of people can't say that.\"\u003c/p>\n\u003cfigure id=\"attachment_11788835\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"wp-image-11788835 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea holds her newborn twin boys, August and Bishop, while Noah watches Harper and Riley play outside their RV in August. Since the fire, Chelsea and Noah and Chelsea's mom decided to rebuild their home in Paradise, California, on their same piece of land. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A year after the fire,\u003ca href=\"https://www.npr.org/2019/11/09/777801169/the-camp-fire-destroyed-11-000-homes-a-year-later-only-11-have-been-rebuilt\"> only 11 of the 11,000 homes destroyed\u003c/a> in Paradise have been rebuilt. Noah credited his cousin, a longtime general contractor, and Chelsea's grandfather, an architect, with respectively providing the industry knowledge and \"fair deal\" needed to jump-start the process efficiently.\u003c/p>\n\u003cp>The Isaacses place an enormous value on family. It's the reason they are able to rebuild in an area that was ravaged by fires, and the reason they want to stay there in the first place.\u003c/p>\n\u003cfigure id=\"attachment_11788836\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788836\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"1300\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-160x160.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-800x800.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1020x1020.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1200x1200.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1104x1104.jpg 1104w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-912x912.jpg 912w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-550x550.jpg 550w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-470x470.jpg 470w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Left: Noah holds 4-month-old Bishop in the bedroom of their RV in November. Right: Riley looks out the window of their RV. Bottom: Harper and Riley, 2, wake up in their cribs. The Isaacses place an enormous value on family. It's the reason they are able to rebuild in an area that was ravaged by fires, and the reason they want to stay there in the first place. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\"I know we couldn't leave this area too far because we have everybody here, all our family's here and that's really important to us,\" Chelsea said. \"Noah has ... people who babysat him when he was a child that he still talks to, and stuff like that. I want my kids to have that.\"\u003c/p>\n\u003cp>Chelsea said thinking about her growing family helped her get through this period of uncertainty. The timing was \"kind of perfect,\" she said, because it gave her an opportunity to focus on something other than the fire. And it forced her to keep stress-induced habits, like eating junk food and smoking cigarettes, at bay.\u003c/p>\n\u003cfigure id=\"attachment_11788838\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788838\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea's mom, Kim Schwartz, holds Bishop. Schwartz will move into a tract home on a piece of land next to Chelsea and Noah's house. She is excited to have her own place but still be near her four grandchildren, with whom she hopes to arrange monthly individual overnights for quality one-on-one time. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>With construction underway, Kim, Chelsea, Noah and their girls — who were less than 2 years old at the time — moved into a temporary home. They bought an RV and parked it on a friend's vacant lot in nearby Magalia. Two newborns boys joined them in July 2019.\u003c/p>\n\u003cp>Space in the trailer is limited but used efficiently. For example, Chelsea's mom, Kim Schwartz, says there is just enough room for two pack-and-play cribs at the back of the RV, and she sleeps in the loft.\u003c/p>\n\u003cfigure id=\"attachment_11788839\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788839\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Noah and Chelsea take their kids to look at their new house they're rebuilding in Paradise. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Schwartz says her family is \"exceptional at this situation.\" They have always been close, and have adapted to their new routine.\u003c/p>\n\u003cp>Still, \u003ca href=\"https://www.npr.org/2016/03/28/468172578/ready-for-a-road-trip-rvs-are-rolling-back-into-fashion\">life in the RV \u003c/a>has its challenges. Privacy is limited, the structure doesn't necessarily feel stable or safe, and it is parked in a relatively remote area surrounded by trees — a fire hazard that makes Chelsea nervous. Beyond that, when her daughters play inside, they shake the thin-walled structure and wake up their brothers, and Chelsea wishes she didn't have to tell them \"no\" so much.\u003c/p>\n\u003cfigure id=\"attachment_11788840\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788840\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea takes her kids to the grocery store. The family won't miss the RV when it's time to move into their new home in January. They are looking forward to the big things, like making the house their own, and the little things, like having better water pressure. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\"At least we have something that's ours again, we're regaining something,\" Chelsea said. \"But then having to adapt to how different our lives had become overnight was ... intense.\"\u003c/p>\n\u003cp>The family members say they are thankful for their time in the trailer. It gave them a place to call home in a time of extreme transition. And, as Noah says, it brought them literally and figuratively closer together.\u003c/p>\n\u003cfigure id=\"attachment_11788841\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788841\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea watches her twin daughters, Harper and Riley, while her mom, Kim, plays with the twin boys, August and Bishop, in their RV. Noah and Chelsea don't know how it will feel to be back in their house, one of the first on their street to be rebuilt. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>But they won't miss it when it's time to move into their new home in January. They are looking forward to the big things, like making the house their own, and the little things, like having better water pressure.\u003c/p>\n\u003cp>\"I think I'll ... take the things that I've learned here, and the patience that I've had to gain with my kids and with Noah and with my mom, and I'll take those things and use them in the future and credit this time in the trailer to it,\" Chelsea said. \"But I don't know that I'll be like, 'Man, I wish I was ... standing under that trickling shower.' \"\u003c/p>\n\u003cp>Schwartz will move into a tract home on a piece of land next to Chelsea and Noah's house. She is excited to have her own place but still be near her four grandchildren, with whom she hopes to arrange monthly individual overnights for quality one-on-one time.\u003c/p>\n\u003cfigure id=\"attachment_11788842\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788842\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Noah and Chelsea hug after taking their kids to look at their new house they are rebuilding in Paradise on Nov. 8. The family members say they are thankful for their time in the trailer. It gave them a place to call home in a time of extreme transition. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Noah and Chelsea don't know how it will feel to be back in their house, one of the first on their street to be rebuilt. Grocery stores in Paradise won't have everything they need, and as far as they know their kids won't have others to play with in the neighborhood. But returning to their old property feels right, and Chelsea says that if that changes, they will reevaluate.\u003c/p>\n\u003cp>\"You wouldn't be able to pick our yard out of any other yard on the street because they're all the same, just dirt,\" she said. \"But that dirt felt like ours still. It still felt like we weren't done there yet, and it felt in a good way, like we need to be here.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003ca href=\"https://www.rachelbujalski.com/\">\u003cem>Rachel Bujalski\u003c/em>\u003c/a>\u003cem> is a documentary photographer based in San Francisco and Los Angeles.\u003c/em>\u003c/p>\n\u003cp>\u003cem>Rachel Treisman\u003c/em> \u003cem>is an intern on NPR's National Desk.\u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2019 NPR. To see more, visit \u003ca href=\"https://www.npr.org\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.npr.org\u003c/a>.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=The+Camp+Fire+Burned+Their+Home%2C+But+Strong+Family+Ties+Kept+Them+In+Paradise&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "The wildfire destroyed 11,000 homes, and the house owned by Chelsea and Noah Isaacs is one of the first on their street to be rebuilt. They committed to staying in Paradise because of their jobs and growing family.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Chelsea and Noah Isaacs were busy new parents to twin daughters when they lost their home in the Camp Fire in Paradise. That same day — Nov. 8, 2018 — Chelsea discovered she was pregnant again; later she would learn it was with another set of twins.\u003c/p>\n\u003cp>\"All of those things kind of created this perfect storm of appreciation for what I've got, but then at the same time this feeling of 'how is this all going to work?' that was really overwhelming initially,\" Chelsea said.\u003c/p>\n\u003cfigure id=\"attachment_11788784\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788784\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9820_e_npr_custom-87b31035be8ef53e08d57cb5c4c5db07754ee401-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">A view of the canyon on Aug. 1 in Magalia. Only a handful of homes in nearby Paradise have been rebuilt since the Camp Fire in November 2018. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The family evacuated safely, but their home was destroyed. Noah said just two artifacts mysteriously survived unscathed: his 1956 Studebaker Commander, and the small patch of grass beneath it.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Chelsea's mom, Kim Schwartz, had been living on the Isaacs' land in a tiny house before the fire and was displaced alongside them. Together, the family stayed with friends and relatives in the weeks after the fire as they assessed their options: Should they rebuild or relocate?\u003c/p>\n\u003cp>Noah and Kim both work in Chico, a city about 15 miles away, and needed to stay in the area. Noah said he and Chelsea considered buying a home in a neighboring town, but it was costly and just didn't feel right. \u003ca href=\"https://www.npr.org/2019/05/29/724407043/after-paradise-living-with-fire-means-redefining-resilience\">Rebuilding a new house\u003c/a> on the same property ultimately proved the better option for insurance purposes, as they could build a bigger structure from scratch at a reasonable rate.\u003c/p>\n\u003cp>\"Really, as crappy as everything went ... when everything's said and done and we look back, we'll say that might have been one of the best things that's happened to us,\" Noah said. \"And I know a lot of people can't say that.\"\u003c/p>\n\u003cfigure id=\"attachment_11788835\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"wp-image-11788835 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a9258_e_npr-edit_custom-4beec8ae0e36e9972cedd91968df28c5cc45b634-s1300-c85-1-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea holds her newborn twin boys, August and Bishop, while Noah watches Harper and Riley play outside their RV in August. Since the fire, Chelsea and Noah and Chelsea's mom decided to rebuild their home in Paradise, California, on their same piece of land. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A year after the fire,\u003ca href=\"https://www.npr.org/2019/11/09/777801169/the-camp-fire-destroyed-11-000-homes-a-year-later-only-11-have-been-rebuilt\"> only 11 of the 11,000 homes destroyed\u003c/a> in Paradise have been rebuilt. Noah credited his cousin, a longtime general contractor, and Chelsea's grandfather, an architect, with respectively providing the industry knowledge and \"fair deal\" needed to jump-start the process efficiently.\u003c/p>\n\u003cp>The Isaacses place an enormous value on family. It's the reason they are able to rebuild in an area that was ravaged by fires, and the reason they want to stay there in the first place.\u003c/p>\n\u003cfigure id=\"attachment_11788836\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788836\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"1300\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-160x160.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-800x800.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1020x1020.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1200x1200.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-1104x1104.jpg 1104w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-912x912.jpg 912w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-550x550.jpg 550w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/paradise-trio1_custom-cb9335b81755e71dff51926de77d3422cecfadd3-s1300-c85-470x470.jpg 470w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Left: Noah holds 4-month-old Bishop in the bedroom of their RV in November. Right: Riley looks out the window of their RV. Bottom: Harper and Riley, 2, wake up in their cribs. The Isaacses place an enormous value on family. It's the reason they are able to rebuild in an area that was ravaged by fires, and the reason they want to stay there in the first place. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\"I know we couldn't leave this area too far because we have everybody here, all our family's here and that's really important to us,\" Chelsea said. \"Noah has ... people who babysat him when he was a child that he still talks to, and stuff like that. I want my kids to have that.\"\u003c/p>\n\u003cp>Chelsea said thinking about her growing family helped her get through this period of uncertainty. The timing was \"kind of perfect,\" she said, because it gave her an opportunity to focus on something other than the fire. And it forced her to keep stress-induced habits, like eating junk food and smoking cigarettes, at bay.\u003c/p>\n\u003cfigure id=\"attachment_11788838\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788838\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a4147_e_npr_custom-1722918fa907bd124e1a7e760433e58b74db8d3e-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea's mom, Kim Schwartz, holds Bishop. Schwartz will move into a tract home on a piece of land next to Chelsea and Noah's house. She is excited to have her own place but still be near her four grandchildren, with whom she hopes to arrange monthly individual overnights for quality one-on-one time. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>With construction underway, Kim, Chelsea, Noah and their girls — who were less than 2 years old at the time — moved into a temporary home. They bought an RV and parked it on a friend's vacant lot in nearby Magalia. Two newborns boys joined them in July 2019.\u003c/p>\n\u003cp>Space in the trailer is limited but used efficiently. For example, Chelsea's mom, Kim Schwartz, says there is just enough room for two pack-and-play cribs at the back of the RV, and she sleeps in the loft.\u003c/p>\n\u003cfigure id=\"attachment_11788839\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788839\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3507_e_npr_custom-519af7e53870d7edef30e0bd930eb0bbac20d861-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Noah and Chelsea take their kids to look at their new house they're rebuilding in Paradise. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Schwartz says her family is \"exceptional at this situation.\" They have always been close, and have adapted to their new routine.\u003c/p>\n\u003cp>Still, \u003ca href=\"https://www.npr.org/2016/03/28/468172578/ready-for-a-road-trip-rvs-are-rolling-back-into-fashion\">life in the RV \u003c/a>has its challenges. Privacy is limited, the structure doesn't necessarily feel stable or safe, and it is parked in a relatively remote area surrounded by trees — a fire hazard that makes Chelsea nervous. Beyond that, when her daughters play inside, they shake the thin-walled structure and wake up their brothers, and Chelsea wishes she didn't have to tell them \"no\" so much.\u003c/p>\n\u003cfigure id=\"attachment_11788840\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788840\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3825_e_npr_custom-9ecc5405bbd34dc501672a1ea1a3136b8b320476-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea takes her kids to the grocery store. The family won't miss the RV when it's time to move into their new home in January. They are looking forward to the big things, like making the house their own, and the little things, like having better water pressure. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\"At least we have something that's ours again, we're regaining something,\" Chelsea said. \"But then having to adapt to how different our lives had become overnight was ... intense.\"\u003c/p>\n\u003cp>The family members say they are thankful for their time in the trailer. It gave them a place to call home in a time of extreme transition. And, as Noah says, it brought them literally and figuratively closer together.\u003c/p>\n\u003cfigure id=\"attachment_11788841\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788841\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a2957_e_npr_custom-ae183c5c8b42e03a11291d28cd1d5809dcf5bec3-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Chelsea watches her twin daughters, Harper and Riley, while her mom, Kim, plays with the twin boys, August and Bishop, in their RV. Noah and Chelsea don't know how it will feel to be back in their house, one of the first on their street to be rebuilt. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>But they won't miss it when it's time to move into their new home in January. They are looking forward to the big things, like making the house their own, and the little things, like having better water pressure.\u003c/p>\n\u003cp>\"I think I'll ... take the things that I've learned here, and the patience that I've had to gain with my kids and with Noah and with my mom, and I'll take those things and use them in the future and credit this time in the trailer to it,\" Chelsea said. \"But I don't know that I'll be like, 'Man, I wish I was ... standing under that trickling shower.' \"\u003c/p>\n\u003cp>Schwartz will move into a tract home on a piece of land next to Chelsea and Noah's house. She is excited to have her own place but still be near her four grandchildren, with whom she hopes to arrange monthly individual overnights for quality one-on-one time.\u003c/p>\n\u003cfigure id=\"attachment_11788842\" class=\"wp-caption alignnone\" style=\"max-width: 1300px\">\u003cimg class=\"size-full wp-image-11788842\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85.jpg\" alt=\"\" width=\"1300\" height=\"865\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85.jpg 1300w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-160x106.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-800x532.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/11/49a3715_e_npr_custom-c58d7a616039b7c4e0f218e5d446655b2936cf88-s1300-c85-1200x798.jpg 1200w\" sizes=\"(max-width: 1300px) 100vw, 1300px\">\u003cfigcaption class=\"wp-caption-text\">Noah and Chelsea hug after taking their kids to look at their new house they are rebuilding in Paradise on Nov. 8. The family members say they are thankful for their time in the trailer. It gave them a place to call home in a time of extreme transition. \u003ccite>(Rachel Bujalski/NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Noah and Chelsea don't know how it will feel to be back in their house, one of the first on their street to be rebuilt. Grocery stores in Paradise won't have everything they need, and as far as they know their kids won't have others to play with in the neighborhood. But returning to their old property feels right, and Chelsea says that if that changes, they will reevaluate.\u003c/p>\n\u003cp>\"You wouldn't be able to pick our yard out of any other yard on the street because they're all the same, just dirt,\" she said. \"But that dirt felt like ours still. It still felt like we weren't done there yet, and it felt in a good way, like we need to be here.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003ca href=\"https://www.rachelbujalski.com/\">\u003cem>Rachel Bujalski\u003c/em>\u003c/a>\u003cem> is a documentary photographer based in San Francisco and Los Angeles.\u003c/em>\u003c/p>\n\u003cp>\u003cem>Rachel Treisman\u003c/em> \u003cem>is an intern on NPR's National Desk.\u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2019 NPR. To see more, visit \u003ca href=\"https://www.npr.org\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.npr.org\u003c/a>.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=The+Camp+Fire+Burned+Their+Home%2C+But+Strong+Family+Ties+Kept+Them+In+Paradise&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Lori Kennedy thought she was going to live a comfortable retirement in a modest home in wooded Magalia, California.\u003c/p>\n\u003cp>But she woke up a year ago to a phone call and hurried evacuation orders, and in a matter of hours nearly every trace of her life was incinerated: the Christmas ornaments her children made when they were little, the sculptures and artwork she spent her career creating, the home where she hosted family gatherings for more than two decades.\u003c/p>\n\u003cp>“It’s not just that you’ve lost things,” Kennedy said. “You’ve lost validation of your existence for all those years. You can replace furniture. But you can’t replace baby books, wedding albums.”\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[aside tag='camp-fire' label='More Coverage.']\u003c/span>\u003c/p>\n\u003cp>Kennedy is one of thousands of survivors of the Camp Fire, the deadliest wildfire in California history, which was sparked by Pacific Gas & Electric equipment in November 2018 and \u003ca href=\"https://www.kqed.org/news/11710884/list-of-those-who-died-in-butte-county-paradise-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">killed 85 people\u003c/a> and nearly incinerated the town of Paradise. More than 70,000 people have filed claims against the utility over various wildfires in recent years.\u003c/p>\n\u003cp>Attorneys believe as many as 100,000 people are eligible to receive payments for damages they suffered during the devastating wildfires of recent years.\u003c/p>\n\u003cp>But wildfire victims of previous years must wait for \u003ca href=\"https://www.kqed.org/news/tag/pge\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E to exit bankruptcy\u003c/a> to get any payout from the utility. And as the 2019 wildfire season takes another toll on Northern California and the utility’s equipment is blamed for new fires, the number of homes destroyed ticks up. More victims are filing claims against the company, potentially reducing the payout all victims and creditors could receive.\u003c/p>\n\u003cp>“The more victims there are, the smaller the slices of the pie. That’s just the way it’s going to be,” said Hugh Ray, a bankruptcy attorney and principal at the law firm McKool Smith.\u003c/p>\n\u003cp>Recovery has been particularly hard for Camp Fire survivors because many in their safety nets also lost everything. Christina Taft, who lived with her mother before the fire, says she’s relying on charity after the fire killed her mother and destroyed the home they shared.\u003c/p>\n\u003cp>“I’m still trying to get a job and I still have stuff in storage and I’m not economically stable,” Taft said.\u003c/p>\n\u003cp>In its bankruptcy plan, PG&E has pledged to pay $8.4 billion to wildfire victims and an additional \u003ca href=\"https://www.kqed.org/news/11774069/pge-insurance-companies-strike-11-billion-deal-to-settle-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">$11 billion to compensate insurance companies for their payouts\u003c/a>. A competing proposal made by bondholders seeking to gain control of PG&E would pay wildfire victims $13.5 billion.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Hugh Ray, bankruptcy attorney']‘The more victims there are, the smaller the slices of the pie. That’s just the way it’s going to be.’[/pullquote]\u003c/p>\n\u003cp>It’s unclear how much the total liabilities for wildfire victims will amount to, and the matter is being litigated. Attorneys for wildfire victims hope for a full recovery, but some bankruptcy experts are skeptical.\u003c/p>\n\u003cp>“They’re not going to get anything like a complete recovery,” Ray said. “It won’t be enough to solve all the problems. At this point I don’t see the money.”\u003c/p>\n\u003cp>Complicating matters, debts that PG&E incurred after the company filed for bankruptcy protection are supposed to be treated as a higher priority than those incurred before bankruptcy, experts said.\u003c/p>\n\u003cp>Without bankruptcy law that enables companies to continue operating after filing, no one would be willing to lend to the company or provide equipment, for fear of not getting paid.\u003c/p>\n\u003cp>That means victims of blazes —\u003ca href=\"https://www.kqed.org/news/11782314/what-you-need-to-know-sonoma-countys-kincade-fire\" target=\"_blank\" rel=\"noopener noreferrer\"> such as the one last month in Sonoma County\u003c/a> that destroyed 374 structures and forced 200,000 people to evacuate — are supposed to be paid before victims of earlier fires.\u003c/p>\n\u003cp>“It doesn’t make sense to me,” Taft said. “You’d think it would be based on what’s oldest, and obviously the Paradise fire was the most destructive. It’s very unfair.”\u003c/p>\n\u003cp>Attorneys for wildfire victims — many who represent victims of blazes before and after the bankruptcy filing — are trying to change that.\u003c/p>\n\u003cp>Gerald Singleton, who represents approximately 7,000 wildfire victims, says claims from last month’s fire should be passed through to the reorganized company and handled by its insurance, as if they’re not part of the bankruptcy. That would allow those victims time to file claims without delaying PG&E’s bankruptcy, which faces a June 2020 legislative deadline to access a $21 billion state wildfire fund.\u003c/p>\n\u003cp>“It’s not going to be fair to (those) victims, because they would have to file within a very short period of time,” Singleton said.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[aside tag='pge' label='PG&E Bankruptcy: How We Got Here']\u003c/span>\u003c/p>\n\u003cp>In Kennedy’s case, she and her husband grabbed a few photos and their cats as they fled. They spent the next 110 days moving from one hotel to the next as they figured out how to rebuild. An insurance settlement covered the value of her home and its contents, but it wasn’t enough to buy again in the area, where home prices were skyrocketing. She and her husband eventually bought a fixer-upper that needed extensive work while her husband undergoes dialysis treatments three times a week.\u003c/p>\n\u003cp>“I feel cheated, of course,” Kennedy said. “Everyone considered their loss as a great loss, and that it shouldn’t be diminished, but I also know reality. You can kick and scream all you want, but it’s just going to happen the way it’s going to happen.”\u003c/p>\n\u003cp>Some wildfire victims didn’t have insurance or received insurance payouts that were too small to afford anything in the area.\u003c/p>\n\u003cp>“There are people who have ongoing mental or emotional issues, and they can’t get comfortable anywhere, because they fear getting burned out again,” said Mike Danko, another attorney who represents wildfire victims.\u003c/p>\n\u003cp>Continued fires also threatened the bankruptcy plans. Each of the competing proposals gives financial backers an out under certain conditions. For example, if PG&E-sparked fires burn down 500 houses this year, the backers of those plans can withdraw, Danko said.\u003c/p>\n\u003cp>PG&E said it’s too soon to discuss liability for the Sonoma County fire, for which a cause has not been determined.\u003c/p>\n\u003cp>“Everything they thought that they had worked out is now being challenged, because the numbers are now being stressed,” said Risa Wolf-Smith, a bankruptcy attorney and partner at Holland & Hart, which represents an entity from which PG&E promised to buy renewable energy.\u003c/p>\n\u003cp>An eventual payout from PG&E still wouldn’t come close to replacing everything Kennedy lost. One of her animals didn’t survive boarding. Her best friend, who survived the fire, later died after a heart attack. A close friend left California after receiving a small insurance settlement and her community has been erased from the map.\u003c/p>\n\u003cp>“I keep hoping that as time passes it will soften, it will blur the edges,” Kennedy said. “I think we all are trying to move forward. It’s just been extremely challenging.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>Kennedy is one of thousands of survivors of the Camp Fire, the deadliest wildfire in California history, which was sparked by Pacific Gas & Electric equipment in November 2018 and \u003ca href=\"https://www.kqed.org/news/11710884/list-of-those-who-died-in-butte-county-paradise-camp-fire\" target=\"_blank\" rel=\"noopener noreferrer\">killed 85 people\u003c/a> and nearly incinerated the town of Paradise. More than 70,000 people have filed claims against the utility over various wildfires in recent years.\u003c/p>\n\u003cp>Attorneys believe as many as 100,000 people are eligible to receive payments for damages they suffered during the devastating wildfires of recent years.\u003c/p>\n\u003cp>But wildfire victims of previous years must wait for \u003ca href=\"https://www.kqed.org/news/tag/pge\" target=\"_blank\" rel=\"noopener noreferrer\">PG&E to exit bankruptcy\u003c/a> to get any payout from the utility. And as the 2019 wildfire season takes another toll on Northern California and the utility’s equipment is blamed for new fires, the number of homes destroyed ticks up. More victims are filing claims against the company, potentially reducing the payout all victims and creditors could receive.\u003c/p>\n\u003cp>“The more victims there are, the smaller the slices of the pie. That’s just the way it’s going to be,” said Hugh Ray, a bankruptcy attorney and principal at the law firm McKool Smith.\u003c/p>\n\u003cp>Recovery has been particularly hard for Camp Fire survivors because many in their safety nets also lost everything. Christina Taft, who lived with her mother before the fire, says she’s relying on charity after the fire killed her mother and destroyed the home they shared.\u003c/p>\n\u003cp>“I’m still trying to get a job and I still have stuff in storage and I’m not economically stable,” Taft said.\u003c/p>\n\u003cp>In its bankruptcy plan, PG&E has pledged to pay $8.4 billion to wildfire victims and an additional \u003ca href=\"https://www.kqed.org/news/11774069/pge-insurance-companies-strike-11-billion-deal-to-settle-wildfire-claims\" target=\"_blank\" rel=\"noopener noreferrer\">$11 billion to compensate insurance companies for their payouts\u003c/a>. A competing proposal made by bondholders seeking to gain control of PG&E would pay wildfire victims $13.5 billion.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"tagline": "California, day by day",
"info": "KQED’s statewide radio news program providing daily coverage of issues, trends and public policy decisions.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/californiareport",
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"source": "kqed",
"order": 8
},
"link": "/californiareport",
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}
},
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"id": "californiareportmagazine",
"title": "The California Report Magazine",
"tagline": "Your state, your stories",
"info": "Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.",
"airtime": "FRI 4:30pm-5pm, 6:30pm-7pm, 11pm-11:30pm",
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"officialWebsiteLink": "/californiareportmagazine",
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"order": 10
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM3NjkwNjk1OTAz",
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"rss": "https://ww2.kqed.org/news/tag/tcrmag/feed/podcast"
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},
"city-arts": {
"id": "city-arts",
"title": "City Arts & Lectures",
"info": "A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/cityartsandlecture-300x300.jpg",
"officialWebsiteLink": "https://www.cityarts.net/",
"airtime": "SUN 1pm-2pm, TUE 10pm, WED 1am",
"meta": {
"site": "news",
"source": "City Arts & Lectures"
},
"link": "https://www.cityarts.net",
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"rss": "https://www.cityarts.net/feed/"
}
},
"closealltabs": {
"id": "closealltabs",
"title": "Close All Tabs",
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"info": "Close All Tabs breaks down how digital culture shapes our world through thoughtful insights and irreverent humor.",
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"officialWebsiteLink": "/podcasts/closealltabs",
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"order": 1
},
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"code-switch-life-kit": {
"id": "code-switch-life-kit",
"title": "Code Switch / Life Kit",
"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"meta": {
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy",
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
"airtime": "THU 10pm, FRI 1am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg",
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"meta": {
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"source": "Commonwealth Club of California"
},
"link": "/radio/program/commonwealth-club",
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"google": "https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw",
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}
},
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"id": "forum",
"title": "Forum",
"tagline": "The conversation starts here",
"info": "KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.",
"airtime": "MON-FRI 9am-11am, 10pm-11pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED Forum with Mina Kim and Alexis Madrigal",
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"meta": {
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"source": "kqed",
"order": 9
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz",
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"freakonomics-radio": {
"id": "freakonomics-radio",
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"info": "Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. It is produced in partnership with WNYC.",
"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png",
"officialWebsiteLink": "http://freakonomics.com/",
"airtime": "SUN 1am-2am, SAT 3pm-4pm",
"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
"rss": "https://feeds.feedburner.com/freakonomicsradio"
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},
"fresh-air": {
"id": "fresh-air",
"title": "Fresh Air",
"info": "Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.",
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"link": "/radio/program/fresh-air",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/381444908/podcast.xml"
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"here-and-now": {
"id": "here-and-now",
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"info": "A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.",
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"rss": "https://feeds.npr.org/510051/podcast.xml"
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},
"hidden-brain": {
"id": "hidden-brain",
"title": "Hidden Brain",
"info": "Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.",
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"officialWebsiteLink": "https://www.npr.org/series/423302056/hidden-brain",
"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
},
"link": "/radio/program/hidden-brain",
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},
"how-i-built-this": {
"id": "how-i-built-this",
"title": "How I Built This with Guy Raz",
"info": "Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.",
"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png",
"officialWebsiteLink": "https://www.npr.org/podcasts/510313/how-i-built-this",
"airtime": "SUN 7:30pm-8pm",
"meta": {
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"source": "npr"
},
"link": "/radio/program/how-i-built-this",
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"npr": "https://rpb3r.app.goo.gl/3zxy",
"apple": "https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2",
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},
"hyphenacion": {
"id": "hyphenacion",
"title": "Hyphenación",
"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"officialWebsiteLink": "/podcasts/hyphenacion",
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"order": 15
},
"link": "/podcasts/hyphenacion",
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"spotify": "https://open.spotify.com/show/2p3Fifq96nw9BPcmFdIq0o?si=39209f7b25774f38",
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"amazon": "https://music.amazon.com/podcasts/6c3dd23c-93fb-4aab-97ba-1725fa6315f1/hyphenaci%C3%B3n",
"rss": "https://feeds.megaphone.fm/KQINC2275451163"
}
},
"jerrybrown": {
"id": "jerrybrown",
"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game – and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/podcasts/jerrybrown",
"meta": {
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"source": "kqed",
"order": 18
},
"link": "/podcasts/jerrybrown",
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"apple": "https://itunes.apple.com/us/podcast/id1492194549",
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}
},
"latino-usa": {
"id": "latino-usa",
"title": "Latino USA",
"airtime": "MON 1am-2am, SUN 6pm-7pm",
"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
"officialWebsiteLink": "http://latinousa.org/",
"meta": {
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},
"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
}
},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
"site": "news",
"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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"rss": "https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"
}
},
"masters-of-scale": {
"id": "masters-of-scale",
"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
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"officialWebsiteLink": "https://mastersofscale.com/",
"meta": {
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"source": "WaitWhat"
},
"link": "/radio/program/masters-of-scale",
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"apple": "http://mastersofscale.app.link/",
"rss": "https://rss.art19.com/masters-of-scale"
}
},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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"stitcher": "https://www.stitcher.com/podcast/kqed/stories-teachers-share",
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}
},
"morning-edition": {
"id": "morning-edition",
"title": "Morning Edition",
"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
"airtime": "MON-FRI 3am-9am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.npr.org/programs/morning-edition/",
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"link": "/radio/program/morning-edition"
},
"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg",
"imageAlt": "On Our Watch from NPR and KQED",
"officialWebsiteLink": "/podcasts/onourwatch",
"meta": {
"site": "news",
"source": "kqed",
"order": 11
},
"link": "/podcasts/onourwatch",
"subscribe": {
"apple": "https://podcasts.apple.com/podcast/id1567098962",
"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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"spotify": "https://open.spotify.com/show/0OLWoyizopu6tY1XiuX70x",
"tuneIn": "https://tunein.com/radio/On-Our-Watch-p1436229/",
"stitcher": "https://www.stitcher.com/show/on-our-watch",
"rss": "https://feeds.npr.org/510360/podcast.xml"
}
},
"on-the-media": {
"id": "on-the-media",
"title": "On The Media",
"info": "Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us",
"airtime": "SUN 2pm-3pm, MON 12am-1am",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png",
"officialWebsiteLink": "https://www.wnycstudios.org/shows/otm",
"meta": {
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"source": "wnyc"
},
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