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Volunteers needed for Bastrop fire debris removal

BASTROP, Texas -- It’s an all-too familiar scene in Bastrop - a home destroyed by the Labor Day wildfires.

Volunteers are helping to remove all types of debris from concrete slabs to brick walls to air conditioners, but they need more help. Debris is piling up around the homes destroyed in the wildfires. 

Here's the problem: homeowners' insurance won't pay for debris pick-up.

Cody Herring is a project manager with Anderson Restoration in Tomball. He came to Bastrop to help with the clean up and says he has never seen destruction like this before.

"Oh, it's amazing. And it's real funny - you can drive down the street and you'll see a house or two that's still standing that had green grass around it, but then you see these ones that they just caught and when they caught, it was gone," said Herring.

While just about everything at one Bastrop home was destroyed, Herring says volunteers were able to help the homeowner in a small way. They removed her home's metal roof because it still had scrap value. 

"[We] put it all on a trailer, took two different loads down to the scrap yard and got her $500 worth of cash money to put back towards her stuff," explained Herring.

Chuck Money works for Google and also came to Bastrop as a volunteer. He said the scene was surreal. "I've never seen destruction like this before. It's disheartening,” said Money. "I walked in here and knew that a month ago people were living here, happy and playing with toys and cooking in the kitchen, and today it's just a pile of rubble." 

Money says more volunteers are needed. He feels satisfaction in helping the fire victims. "It's just absolutely awesome having the ability to come out and make a difference." 

In the midst of the smoke and the ashes, these volunteers have come forward to help the fire victims begin the process of rebuilding their lives.

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For so many people, insurance coverage is often viewed as a burden and another avenue of losing their hard earned money. This is even more so with the current economic situation which has stretched the finances of so many to unbearable limits. Whatever the situation, insurance remains a necessary prudent financial decision that helps secure lives and property. The homeowners insurance is a very important protective measure any body could take to secure and protect his or her personal possessions. This could be done without incurring huge costs as pointed out in this article.

The first and most advisable step would be to get necessary information on homeowners or renters insurance from your state’s insurance department. The state insurance department would usually have a list of insurance companies and their respective premiums for homeowners insurance. The information obtained will help you shop around and compare costs and services of various companies.

You are thus able based on the information and details of the costs obtained from the various insurance companies determine which of them offers the most protection at the least possible cost. It is always advisable to go for one with a high deductible, since it would offer a corresponding low annual premium. This however would make economic sense if you have enough cash reserve to pay for the high deductible.

You should consider installing such protective devices as security locks and alarms to deter burglary, fire extinguishers, smoke detectors and other such devices that could prevent or minimize the incidence of fire and burglary. Such inexpensive installations and devices go a long way in influencing and reducing the cost of homeowners insurance. States like New York, Florida, Kansas, Tennessee, Maryland, Washington DC, Pennsylvania, Louisiana and Illinois offer relatively low cost burglary and robbery coverage.

You may want to find out if you are eligible for discounts. There are often discounts for people who have dead-bolt locks on their doors and people who live in apartment buildings with a doorman. Moreover, smoke detectors, fire extinguishers, fire and burglary alarms may attract up to a 20% discount which could significantly reduce the insurance cost.

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