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Californians who have suffered nightmarish state wildfires, may have a long process to rebuild their home.

California is currently fighting three fires — the Camp Fire in the northern part of the state and the Woolsey and Hill fires just outside of Los Angeles in the south.

After any disaster, it can be challenging to recuperate, but Californians face a exceptional problem. Because of the seemingly endless series of wildfires, experts say there is a limited pool of workers and increased cost of supplies to rebuild.  This will cause Californians to be without their home for much longer, causing them to be displaced in apartments, rental homes or staying with friends and family.  Very important to check your policy for loss of use or additional living expenses to verify how much coverage and time you have.

"If your home burns down by itself, you have no problem rebuilding, but if it burns down with 2,000 others, you have to wait," Dunmoyer said.

California homeowners also find themselves underinsured, leaving them to stomach more of the cost of rebuilding than they have expected. With the rising cost of real estate in California, their homes may have doubled or tripled in value over a few short years. The problem is many homeowner policies may have not been updated in several years, leaving them underinsured. In other situations, the estimates of rebuilding cost were too low, leaving the to pay the remaining portion of repairs. United Policyholders, a non profit that aims to help consumers with insurance issues, say that roughly two-thirds of insured households are underinsured.

To see if you are underinsured, ask a builder if you could rebuild your home for the money listed in your homeowner’s policy. If not, ask your insurance agent to review – and likely adjust -- your coverage level.

We as Texans are also very vulnerable to not having the correct amount of home insurance on our policy. We deal with hail storms, wind storms, tornadoes, and also other fires. Texas, was affected with one of the worst flood last year that caused hundreds of millions of dollars in damages.

Many insurance agents do not do regularly review and update home insurance policies with their clients. Meet with your insurance agent today to review your Texas Homeowners policy.

Posted 12:12 PM

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