Fire info

eatonfire/eaton-fire-insurance.md

@@ -1,9 +1,15 @@
 # Eaton fire insurance info
 
+#### General
 * [United Policyholders](https://uphelp.org)
 * [United Policyholders 2025 CA Wildfires - Insurance Claim and Recovery Help](https://uphelp.org/disaster-recovery-help/2025cawildfires/)
 * [United Policyholders Renters Insurance Claim Tips](https://uphelp.org/claim-guidance-publications/renters-insurance-claim-tips-california/)
-
 * [Top Ten Tips for Wildfire Claimants](https://www.insurance.ca.gov/01-consumers/140-catastrophes/TopTenTips_WildfireClaimants.cfm)
-
 * [Wildfires Leave Toxins in Homes. Insurance Companies Can Do More About It](https://time.com/6588094/wildfires-hidden-toxins-insurance/)
+
+#### Coverage details
+* [The Loss-Settlement Provision In A Homeowner’s Insurance Policy: It Matters](https://plaintiffmagazine.com/recent-issues/item/the-loss-settlement-provision-in-a-homeowner-s-insurance-policy-it-matters)
+* https://plaintiffmagazine.com/images/issues/2016/09-september/Reprints/Grossman_The-loss-settlement-provision-in-a-homeowners-insurance-policy_It-matters_Plaintiff-magazine.pdf
+* [Replacement Cost Coverage and the 180-Day Notice Requirement](https://www.propertyinsurancecoveragelaw.com/blog/replacement-cost-coverage-and-the-180-day-notice-requirement/)
+#### FEMA
+* [FEMA doesn't have a "glitch", they just need your insurance docs uploaded](https://www.reddit.com/r/pasadena/comments/1i01qkm/fema_doesnt_have_a_glitch_they_just_need_your/)

eatonfire/eaton-fire-recovery.md

@@ -17,6 +17,14 @@
 * [Protect your pets from wildfire smoke](https://www.airnow.gov/publications/wildfire-guide-factsheets/wildfire-smoke-protect-your-pets/)
 * [CIRES researchers find compromised indoor air in homes following Marshall Fire](https://cires.colorado.edu/news/cires-researchers-find-compromised-indoor-air-home-following-marshall-fire?fbclid=IwZXh0bgNhZW0CMTEAAR2ezoKFYlwtfEir1FoLo0flA22aIvHvK1OT_AD5gfv8gBcBk-3N19v5T_U_aem_dtcONLzoUUVbib1tz8vWIQ)
 * [Why Doctors Still Recommend Masking After Wildfire Smoke Clears](https://www.nytimes.com/wirecutter/reviews/masking-after-wildfires/)
+
+### Industrial hygenist report
+File a claim to open the process. Ask for an industrial hygienist report. Specifically ask, and then get in writing, an agreement for a pre and post remediation report. If they won't agree, pay for it yourself. It is the only way to know the extent of the smoke damage. You can request reimbursement from insurance later. Once you have the report, you can create a remediation plan. As you can see from other answers, damage can vary depending on location and wind and the structure itself. The report is the only way to know if there are toxins/VOCs in your home.
+
+#### Remediation certifications:
+* Institute of Inspection Cleaning and Restoration Certification (IICRC)
+* Restoration Industry Association (RIA) Certification
+
 #### Hazardous Clean-Up Info
 I just spoke to my cousin on the east coast, he is an expert in hazardous material clean-up (commercial and residential) including ash and all toxins caused by fires like ours. Lots of good info in no particular order:  
 

eatonfire/eaton-fire-tenant.md

@@ -7,3 +7,7 @@
 * [I was forced to evacuate my home. Do I still need to pay my mortgage, rent, utility bills?](https://www.latimes.com/business/story/2025-01-14/wildfire-loss-utilities-mortgage-rent#:~:text=California's%20anti%2Dprice%2Dgouging%20law,existing%20tenants%20and%20new%20leases)
 * [Are you a renter impacted by wildfires? Here are some housing resources](https://www.kcrw.com/news/shows/kcrw-features/wildfire-renter-rights-help-insurance)
 
+
+* [Pasadena Tenant's Union guide for fire-impacted tenants](https://docs.google.com/document/d/1oImEUGV9qICUGEu-AYKhtJrdjdGbfPI6C8KuX2N9Apo/edit?tab=t.0)
+* [Reddit - Renters & Housing megathread - fire related for tenants](https://www.reddit.com/r/pasadena/comments/1i3jegg/renters_housing_megathread_fire_related_for/)
+