Heed the warning! My soundsystem and records are a pile of ashes


Hi Audiogon family,

Wanted to reach out with a message of warning to please endorse your soundsystem on your insurance policy if you have not already. I have just lost my home and all belongings in the Eaton Fire in Altadena, CA, and I will likely not be able to recover it in full because I did not specifically insure it.

This also goes for records! I'm learning that I will probably be sub-limited on my $80k record collection that I have been assembling since childhood.

I know that stuff is stuff. I literally had to evacuate within minutes because of my house's proximity to the fire's origin. How I wish I had grabbed some of the priceless, unbuyable records that I searched high and low for throughout my life. But I'm alive, my family is alive, and that's what matters most. 

I've worked so hard to provide for my family all these years - we are not a trust fund situation. Records/hifi - MUSIC - was, is and will continue to be my most beloved hobby. I wouldn't wish this on my worst enemy, and hope some of you may heed my advice to avoid losing your priceless collections.

I have a gofundme setup if anyone is feeling generous, but would appreciate any thoughts and prayers as well. I've found encouragement from my community has been a major saving grace for us during this time. Also, if anyone has experience starting again from the ground up, I'd love to hear your inspirational stories.

128x128nardandsaffron

So sorry to hear about this. I live across the hills in the San Fernando Valley. It's been rough and I'm not even in the mix of it, save for the air quality and a close call on the ridges near Encino. 

Like you said, nothing is more valuable than family and your health. Glad you all got out in time as this was so fast moving. Here's something that may be of help:

Rep. Brad Sherman banner

Federal Assistance to Fire Victims

This assistance is designed to help cover costs not covered by insurance.

Grant Assistance to a Household:

FEMA Individual Assistance  Special Needs Assistance Grants: $770 one-timepayment to afford immediate needs like food, water, hygiene, and transportation.

FEMA Individual Assistance – For Housing: The maximum amount a homeowner can receive through the FEMA Individual Assistance grant program for home repair and replacement, and for temporary housing, is up to $43,600.

FEMA Individual Assistance – For Other Needs: Another $43,600 is available in the form of a grant from FEMA to cover medical expenses, damage to a vehicle, household items/property, funeral expenses, moving/storage, and childcare expenses, etc.

To Apply for FEMA Assistance Click Here.

Small Business Administration Loans for Homeowners and Renters:

SBA loans can cover up to $100,000 of personal property loss (i.e. furniture, clothing, automobiles) and up to $500,000 of a homeowner’s real property loss (i.e. home repair). Second homes and vacation homes not eligible. Loans are for up to 30 years; first payment and interest accrual deferred for the first 12 months. The maximum interest rate is 4%.

Small Business Administration Loans to Businesses:

SBA Physical Damage Loans: Loans up to $2 million for businesses and nonprofits for uninsured physical damage and losses. Loans are for up to 30 years; first payment and interest accrual deferred for the first 12 months. The maximum interest rate is 4% unless credit can be obtained elsewhere. If credit could be obtained elsewhere, then interest rate is 8%.

SBA Economic Injury Disaster Loans: Loans up to $2 million for businesses and nonprofits with economic injury (such as lost sales) as the result of the disaster. Only available when Small Business Administration determines a recipient is unable to obtain credit elsewhere. Loans are for up to 30 years; first payment and interest accrual deferred for the first 12 months. The maximum interest rate is 4%.

The combined loan amount across both SBA programs may not exceed $2 million.

To Apply for SBA assistance, Click Here.

 

All the best,
Nonoise

My deepest condolences to you and your family.  What a difficult time this must be for all of you.  

Feel free to contact me (PM) when you another system.  I have a list of LPs that I am moving along and am happy to send some your way.  None in the 'priceless' category, but pleasant listening, nonetheless.