Following the devastating loss of their home to wildfire, a Pacific Palisades family faces overwhelming bureaucratic hurdles in seeking recovery. Their two insurance policies complicate matters, with federal and state agencies failing to coordinate effectively. While the family has encountered helpful government employees, they've struggled with opportunistic private sector offers. Their primary frustration stems from their mortgage lender, which cashed their insurance settlement check without disbursing the funds for rebuilding, forcing them into a difficult situation with lengthy paperwork requirements. Broader legislative support is emerging to assist victims facing similar challenges.
We are entangled in a bureaucratic maze: FEMA, the EPA, Army Corps of Engineers, IRS and a patchwork of state and local agencies.
Our worst experience has been with our mortgage company. Soon after the fire, the insurer issued a settlement check, but it was made out to us and the mortgage lender.
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