u/madmarzii

i recently made a post here about my situation, we’re in the last leg of rebuilding (total loss and then some) and my insurance company is refusing to pay out the last $220,000 "50% rebuild incentive“. i have a lawyer involved and the insurer’s on retainer lawyer is baffled by this and has advised them to issue the funds immediately, but the insurer is just flat out ignoring everyone. my lawyer is planning on filing an ex parte 850 petition to try to force their hand, but that could take anywhere from 30-90 days and we just don’t have that time. our estimated date of completion was Oct. 6th but we’ve had to stop all construction due to this and our contractor really doesn’t want it to be pushed into the winter season due to weather and such.

my partner and i are stressed beyond belief and are looking into Gap Financing, grants, anything. we tried to apply for the Altadena Land Initiative program but we don’t qualify due to our contractor not being in their list of approved contractors…but it got us wondering if there are any lenders in Altadena or the surrounding area that are offering Gap Financing for Eaton Fire victims, ideally ones with low interest and quick turnaround. we have no idea where to start looking but need that money like…yesterday lol

thank you my fellow survivors ❤️‍🩹

hey y’all. long time altadena resident, lived with my mom in our wonderfully unique home for my entire 35 years of life, she was there for 50 years of hers. we lost it all; our pets, our entire life’s work of art, i almost lost my mom due to my not being home that night and the complete failure of the emergency system only to lose her six months later to lung complications (from being in the house as it burned) and a broken heart. she gave up…losing your entire life and being faced with starting over at 74 was too much for her.

to say it’s been a nightmarish 1 & 1/2 years is a massive understatement.

our homeowners insurance worked with us so easily directly after the fire, but now that eyes are no longer on altadena, we’re having a hell of a time getting our last payment of over $200,000 for the 50% rebuild incentive. we’ve had to pause the rebuild despite being almost finished because they’re just flat out refusing to pay and have rejected court ordered proof of ownership for over a year. i’m posting here purely to find out if anyone else is being treated like this because it’s honestly such an isolating and horrible feeling.

it’s so frustrating to have to fight tooth and nail after losing so much. i know insurance companies have no soul but this feels so disrespectful.