EBOLA HCW If you get Ebola your WHOLE family loses EVERYTHING in house,ALL Clothes, Car, etc.

ainitfunny

Saved, to glorify God.
IS IT WORTH IT, the way they are handling it??
Shouldn't someone be lined up to PAY for your loss?
Are you supposed to just eat the loss and be happy IF you survive?? What about hazard and loss reimbursement insurance paid by employer??? SPEAK UP FOR YOUR RIGHTS!

You and ALL family members lose everything they owned in house, even carpets. Nobody replaces it for you, that is YOUR "problem". It is still not clear WHO WILL PAY FOR YOUR HOMES "CLEAN UP" and disinfection and destroying everything you own.
NOBODY is going to step forward and reimburse you either, that I can find. Insurance doesn't cover that, to my knowledge.

Your family even loses the clothes on their back and are given "clean" clothes. You all walk out with NOTHING.

It is conceivable that people YOU INFECT might sue YOU for their expenses also.
 

packyderms_wife

Neither here nor there.
I'm sure the insurance companies will view this as "an act of God" type event. So no there will be no reimbursement, etc., in fact I expect to see and soon those infected will be fined and or jailed.
 

bassgirl

Veteran Member
Bet we see a new exemption in home insurance next year that says they will not pay for hazmat clean up.

I don't know what I would do. And as far as I know there is nothing my employer has to do in that area. Unless they just decide to be nice about it. Doubtful.
 

srhands

Contributing Member
My wife and I have been discussing all of these things and I can't come up with any conclusion worth while. Worrying more each day!!
 

Gitche Gumee Kid

Veteran Member
Yes. This is one more thing to factor in . At what point do we go underground and become cloister?

Lord, give us wisdom.

Remote bug out locations are advancing to the top of the bucket list.

GGK
 
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Betty_Rose

Veteran Member
My wife and I have been discussing all of these things and I can't come up with any conclusion worth while. Worrying more each day!!

I've wondered about this, too. I'm a historian and an author and I have an incredible collection of rare, archival materials that are truly irreplaceable. I've been donating them bit by bit to a local university, but my goodness, what happens to this kind of stuff if E. Bowla visits?

In a house fire, you get 80% of the value of the structure for its contents (household goods and furniture and clothing). In other words, it is expensive to start over from scratch!
 

ainitfunny

Saved, to glorify God.
Your kids are not gonna be happy to lose their TV'S, cell phones, video games, computers, photos, family history and mementos, art works, furniture, bills, financial records, antiques, stamp and other possibly very valuable collections, silver ware, china, GUNS, TOOLS, EVERYTHING IS CONFISCATED.
 

TerryK

TB Fanatic
Most health insurance covers medical care for ebola.

Not sure about home owners insurance covering damages from ebola decon procedures, but I don't think anybody at this point can say that it doesn't.
If anybody gets the straight truth from an insurance company please let us all know.
 

hypoluxo

Veteran Lurker
"I don't know how the fire got started. I was gone, and when I came back the whole house was up in flames." :shr:
 

Melodi

Disaster Cat
I've mentioned this on a couple of other threads, but there has been so much news it keeps getting lost but it needs to be talked about. It isn't just all the patients loosing everything, that is bad enough but also supporting and paying for all the people under quarantine etc. People are human beings and if they know their families will loose everything if they are declared sick they may hide or worse make a run for it to another city "oh no, husband ran away three months ago haven't seen him in ages honest officer..."

If people in quarantine are not supported, preferably with a huge and public campaign with properly kitted out aid workers (in full moon suits) going to the doors of affected people with food and supplies; with big bright letters across the screen saying "America Supports its people in Times of Crises!" There can also be charities set up to help deal with things too, they could be included in these "public service" messages "to contribute to the Ebola quarantine and survivors fund call..." etc.

Because if people are not feeling supported, especially people on the lower ends of the totem poll who may have jobs that barely pay food and rent in the best of times; are simply not going to abide home quarantines but will go out just like Duncan's family did for food and in some cases even under-the-table work (some crazy employers won't care). When things are small, this can be controlled with guards but there simply are not enough police in the world to enforce this sort of thing if it gets out of hand, even into the hundreds of people (much less thousands of people who "might" be exposed).

I suggested a couple of days ago that a smart move would be for congress to pass the Ebola Emergency Compensation Bill to help pay for individuals and SMALL businesses directly affected by quarantines or the loss of homes and jobs. This would be expensive, but if done very quickly the taxpayers would save a lot more money in the long run if the disease can be stopped now; large corporations could be given tax breaks and the like, especially if they simply agreed to continue the wages of anyone on the 21 day mandatory quarantine.

Like most things, this will probably be dropped before it even starts, and yes I do think insurance companies are going to claim "Act of God" clauses or offer home owners so little for their demolished houses that it is impossible for people to start over. I saw what happened to people I knew after the Oakland Hills fire storm and Katrina; also the houses will lose much of their value as people tend not to want to live in a "Plague House" even after it is supposed to be "cleaned."

Lots of good questions here, and not a lot of good answers yet...
 

BornFree

Came This Far
Burning everything is just stupid. All you need is a tractor trailer with a big heater in the trailer. Put everything in the trailer Heat it up to 200 degrees for awhile and no more Ebola. In fact you could treat the whole think like a bed bug infestation and tent the entire dwelling and heat it up. That way you don't miss anything.
 

Hfcomms

EN66iq
I'm sure the insurance companies will view this as "an act of God" type event. So no there will be no reimbursement, etc.,

Good point. They will find out if they are in 'good hands' or not. The insurance companies won't pay out a cent if they can get away with it. The only ones getting any money out of this will be the lawyers.
 

ainitfunny

Saved, to glorify God.
What We Know About the Texas Ebola Case

Here is an 11 day old story saying that The State of Texas will pay for the clean up of DUNCANS APARTMENT, but I do not see that they are volunteering to pay for ALL Texas Ebola patients homes.

By SYDNEY LUPKIN (@slupkin) , GILLIAN MOHNEY (@gillianmohney) and NIKKI BATTISTE (@NikkiBattiste)
Oct 4, 2014, 2:39 PM ET

VIDEO: Texas Ebola Patients Condition Worsens
ABCNews.com

Thomas Eric Duncan, the first patient to be diagnosed with Ebola in the U.S., was downgraded to critical condition today, the Texas hospital treating him said in a statement.

Duncan, who was visiting family in Dallas after arriving from Liberia, was diagnosed with Ebola at Texas Health Presbyterian Hospital in Dallas last Sunday, three days after he initially went to the hospital.

Duncan is being treated in an isolation ward.

Louise Troh, the woman who traveled back from Liberia with Duncan and is referred to as his wife by relatives, told ABC News today she is frustrated with the lack of information on Duncan's condition.

Troh and her family were removed from their apartment to an undisclosed location on Friday, where they will remain for the duration of their quarantine. While the family remains in quarantine, clean-up crews returned to the family's apartment today to continue sanitizing it.

Including Troh and her family, health officials are monitoring about 50 people who may have had contact with Duncan, including 9 of those believed to be at "high risk" for exposure.

At least one person is being monitored after traveling in the ambulance used to transport Duncan to the hospital last week, according to officials from the Centers for Disease Control and Prevention.

Here's what we know about the case:
Duncan's Partner Says She's Being Treated 'Like a Dog'

Troh told ABC News today that no one had updated her on Duncan's condition for two days.

"They are telling me nothing," she said. "They are treating me like a dog. I have no idea how he is doing."

Troh and her family will remain in quarantine for at least 21 days and were moved by Dallas government officials to an undisclosed location on Friday, where they would be able to walk around outside.

Hospital officials were not immediately available to comment about her allegations.

UPDATE: The hospital said on Oct. 6: "As is standard with hospital patients who are unable to make decisions on their own, the patient's representative, as determined under state and federal law, makes decisions about patient access and communications. We continue to comply with those instructions."
Patients in Ambulance Used to Transport Duncan to Be Monitored

At least one of the 50 people being monitored for Ebola symptoms in Dallas had traveled in the ambulance used to transport Duncan to the hospital on Sept. 28, CDC Director Tom Freiden said today.

Freiden emphasized that people traveling in the ambulance after Duncan would be monitored "as a precaution" due to their possible contact.

Freiden confirmed none of the 50 people being monitored had any symptoms of the virus.
Hospital Says Duncan's Records Were Available to Entire Staff

Texas Health Presbyterian Hospital said Friday that its entire staff had access to Duncan's electronic health records, including his travel history, days after blaming a flaw in physician and nursing workflows as the reason he was initially released.

Duncan arrived at the emergency room on September 25 with a low-grade fever and complained of abdominal pain. Although he disclosed to a nurse he had traveled from Liberia, he was still released with antibiotics rather than being put into an isolation ward at the hospital, according to the CDC.

On Friday, the hospital issued a statement saying that the entire team treating Duncan had access to the information about his travel history and denied that there was a flaw in the way its physician and nursing workflow interacted.

"As a standard part of the nursing process, the patient's travel history was documented and available to the full care team in the electronic health record (EHR), including within the physician's workflow," read the statement. "There was no flaw in the EHR in the way the physician and nursing portions interacted related to this event."

Duncan Could Face Charges

The Dallas County District Attorney's Office announced Friday it is looking into whether charges should be brought against Duncan, according to ABC News affiliate WFAA-TV in Dallas.

Officials will examine if Duncan's actions could constitute criminal activity by putting public health at risk.

"We are looking into whether or not Duncan knowingly and intentionally exposed the public to a deadly virus, making this a criminal matter for Dallas County," spokesperson Debbie Denmon told WFAA in an email.

Duncan's nephew Joe Weeks told ABC News that Duncan seemed to be growing weaker in recent days.

"At first we were able to talk to him on the phone, but now he is just too sick to speak," said Weeks.

Relatives of Duncan Moved to Undisclosed Location

Relatives of Duncan were moved to an undisclosed location within the city of limits of Dallas on Friday.

Dallas Mayor Mike Rawlings told reporters the family was moved to a four-bedroom house of which the use was given to them by an anonymous donor in the "faith-based community."

Judge Clay Jenkins and Rawlings told reporters the donor was a friend whom they called for help. The house is in a gated community.

"They've got room to move," Jenkins said of the family, which is under quarantine and can't leave the property.

The family had been in the same apartment where Duncan became ill late last week. It includes two men, a 13-year-old boy named Timothy, and a woman named Louise Troh, who traveled with Duncan from Liberia and has been referred to as Duncan's wife by other family members.

Jenkins had ordered the family to stay at the apartment as part of quarantine measures to ensure the virus didn't spread.

On Friday, a team entered the home to decontaminate any surface that Duncan may have contaminated. The family will remain in quarantine for at least 21 days.
Ebola Clean Up to Cost $65,000

The cost to decontaminate the apartment will cost about $65,000, according to local government officials in Dallas. The state of Texas will cover the cost.

On Friday, a special team of cleaners began cleaning and removing infected materials, including mattresses, sheets and towels, from the home. Those linens will be sealed in plastic barrels, placed in a sealed tractor and later incinerated.

The U.S. Department of Transportation issued an emergency permit Friday allowing all Ebola-contaminated materials to moved so they can be incinerated.



•••••

© 2014 ABC News Internet Ventures. All rights reserved.
 

Melodi

Disaster Cat
And, I almost wrote this before, it is highly likely to become standard practice to "write off" homes where an infected person had an active case and destroy them; I am pretty sure that Dallas already knows that one of the their best private hospitals is now so contaminated it may never be cleaned and may have to demolished. If insurance companies do this they will likely offer something like 1/4 of the value of the house take it or leave it.
 

Christian for Israel

Knight of Jerusalem
Shouldn't someone be lined up to PAY for your loss?

um...no.

look, I earn the money. I buy or build what we have. stuff happens. if we demand money from anyone else we're in their DEBT. i'm not comfortable with that.

if we get this and survive i will be praising God and trusting Him to make a way for us to build another home (like He provided for us to have this one). i have no desire to receive money from the gvmt or allow them to control me in any way.

i prefer to take responsibility for our own situation.
 
One might consider quit-claiming an infected abode to some local gummint agency and turning over the keys.


Did anyone - in their wildest dreams - ever think something like this was possible, let alone already just about HERE on our doorsteps?


Wonder what kind of 'advantage' TPTB will try to take over this 'opportunity'?
 

Melodi

Disaster Cat
um...no.

look, I earn the money. I buy or build what we have. stuff happens. if we demand money from anyone else we're in their DEBT. i'm not comfortable with that.
I am glad you feel that way but many people will not, and more to the point; if people know their families face utter ruin they are simply likely to flee the scene and or just quietly slink off to die if they feel symptoms coming on. People do sometimes think and act this way, and it is the exact opposite to what is needed in treating disease.

Even some help would be better than none, and I include charity in that help as I said in post above; but just let people know they are "on their own" to starve or live in a card board box is not likely to get cooperation in many quarters.

Obviously if things fell apart to the level of Liberia this is a moot point as everything collapses, but I'm talking more in terms of a horrible but still somewhat limited (or managed to be limited) epidemic that hopefully can be kept down to a few hundred or at most a few thousand people.
 

Melodi

Disaster Cat
One might consider quit-claiming an infected abode to some local gummint agency and turning over the keys.


Did anyone - in their wildest dreams - ever think something like this was possible, let alone already just about HERE on our doorsteps?


ouch.

Yep, I've studied the 14th century Europe pretty carefully...lots of empty houses, business premises and entire villages...
 

ainitfunny

Saved, to glorify God.
Melodi said: I saw what happened to people I knew after the Oakland Hills fire storm and Katrina; also the houses will lose much of their value as people tend not to want to live in a "Plague House" even after it is supposed to be "cleaned."

I KNOW. I bought THIS 4br.2ba shared waterfront ranch house I live in for only $112 thousand when it's market value at the time was well over $169+ thousand BUT A TREE HAD TOTALLY CUT THIS HOUSE IN HALF AND IT HAD BEEN REPAIRED, but nobody would buy it for YEARS till they lowered the price to $112 thousand!! Then, I bought it. I paid only 2/3 it's value.
 

Melodi

Disaster Cat
I KNOW. I bought THIS 4br.2ba shared waterfront ranch house I live in for only $112 thousand when it's market value at the time was well over $169+ thousand BUT A TREE HAD TOTALLY CUT THIS HOUSE IN HALF AND IT HAD BEEN REPAIRED, but nobody would buy it for YEARS till they lowered the price to $112 thousand!! Then, I bought it.
Yep and in general, the damage from a tree that might have left hidden damage is less scary to people than a home where people have had a horrific fatal illness that is very difficult to totally clean up afterwards. Even if they eventually find a vaccine or cure, people will still treat it as haunted; there are lots of places like that here in Ireland left over from The Famine and even more in the UK and Europe from The Black Death.
 

Flippper

Time Traveler
Close access to the house and car for 3 months (or however long the virus can be active on all surfaces). Nothing needs to be destroyed.
 

Melodi

Disaster Cat
Close access to the house and car for 3 months (or however long the virus can be active on all surfaces). Nothing needs to be destroyed.
Nothing may need to be destroyed but that may or may not be how things play out - common sense often isn't part of the insurance company game...I wish it were...
 

Mark D

Now running for Emperor.
This thread, folks, is why we don't keep all of our eggs in one basket.

C'mon, this is a prepping board. Having remote sites should be second nature to most folks here.
 

Easy G

Senior Member
It occurred to me as I was reading this, what a perfect way to deal with the housing inventory surplus. All those bank repo's dragging down balance sheets. My cynical side would bet that banks may not be denied coverage where average homeowners would. At the very least they could cross off liabilities and get favorable tax offsets.
 

ainitfunny

Saved, to glorify God.
Close access to the house and car for 3 months (or however long the virus can be active on all surfaces). Nothing needs to be destroyed.

Yea RIGHT. They forcibly EVICT YOU and you have NO CONTROL OVER WHAT THE HEALTH DEPARTMENT DOES TO "PROTECT PUBLIC SAFETY!!"
They do not give people that option.
You walk out of your home with just the clothes on your back and even those, at a later time are taken away from you.
 

Christian for Israel

Knight of Jerusalem
This thread, folks, is why we don't keep all of our eggs in one basket.

C'mon, this is a prepping board. Having remote sites should be second nature to most folks here.

exactly!

I am glad you feel that way but many people will not, and more to the point; if people know their families face utter ruin they are simply likely to flee the scene and or just quietly slink off to die if they feel symptoms coming on. People do sometimes think and act this way, and it is the exact opposite to what is needed in treating disease.

Even some help would be better than none, and I include charity in that help as I said in post above; but just let people know they are "on their own" to starve or live in a card board box is not likely to get cooperation in many quarters.

Obviously if things fell apart to the level of Liberia this is a moot point as everything collapses, but I'm talking more in terms of a horrible but still somewhat limited (or managed to be limited) epidemic that hopefully can be kept down to a few hundred or at most a few thousand people.

as for others, what they do is up to them. i can only speak for myself and my family.
 

TerryK

TB Fanatic
Close access to the house and car for 3 months (or however long the virus can be active on all surfaces). Nothing needs to be destroyed.
This^^^, and yes I would buy the house, especially at a bargain price, and so will thousands of other non superstitious people.


um...no.

look, I earn the money. I buy or build what we have. stuff happens. if we demand money from anyone else we're in their DEBT. i'm not comfortable with that.

if we get this and survive i will be praising God and trusting Him to make a way for us to build another home (like He provided for us to have this one). i have no desire to receive money from the gvmt or allow them to control me in any way.

i prefer to take responsibility for our own situation.

Agree with you. Jeesh, everybody wants somebody else to be responsible for them.

Again, I think insurance would cover much of the loss of things that couldn't be decontaminated.
Like the other post said, the government paid for the cost to decon the house.

Also, if you can't afford to be housed and isolated in alternative housing provided by the government while they decon your house, how in the hell are you going to self isolate you and your family at your own expense when the time comes?
 

Last Resort

Veteran Member
Not to be a jerk, but I'm reading a lot of woo-woo here about how we're gonna lose everything to Tha Authoritay! if we get this, but no references.

Are there any protocols or procedures, current ones, that anyone could point to in that event? Any state or federal statutes or, God forbid, EOs? Just from a logistics point of view this doesn't seem practical.
 

MinnesotaSmith

Membership Revoked
FWIW I made sure my house is insured at replacement cost.

Whether you would actually get a claim paid out for what you contracted depends in large part on whether or not you went with an honest insurance company. If you picked The Hartford, State Farm or Allstate, probably not. The last two after Hurricane Katrina were paying out 30% or less on blatantly obviously legitimate claims. (The attorney general for the State of Mississippi ended up suing one or both of them over this.)

The best list I've seen, showing the 50 best, and 50 worst, insurance companies in the U.S.:

http://www.badfaithinsurance.org/indexdetaillist.html
 

joannita

Veteran Member
Yes, i know to avoid State Farm and Allstate. TY for the list; I'm off to see where my company falls on it.
 

prepgirl44

Veteran Member
Whether you would actually get a claim paid out for what you contracted depends in large part on whether or not you went with an honest insurance company. If you picked The Hartford, State Farm or Allstate, probably not. The last two after Hurricane Katrina were paying out 30% or less on blatantly obviously legitimate claims. (The attorney general for the State of Mississippi ended up suing one or both of them over this.)

The best list I've seen, showing the 50 best, and 50 worst, insurance companies in the U.S.:

http://www.badfaithinsurance.org/indexdetaillist.html

I don't understand. I have replacement value on my property, but apparently not with a great company, so now you have me concerned.

If I am insured for say, $200,000 and my home is destroyed, I won't get a $200,000 pay out to rebuild, but maybe 30% less than the stated policy? How can they do that?

Sorry for the thread drift, but then again, maybe it isn't thread drift if I end up losing my home to this ebola thing....
 

lectrickitty

Great Great Grandma!
It is conceivable that people YOU INFECT might sue YOU for their expenses also.
They won't get much out of a corpse. Maybe they would sue the surviving family of the corpse, the family of the infected person has already lost everything, there's nothing left to take from them. Sounds like that wouldn't go far.
 

ainitfunny

Saved, to glorify God.
I don't understand. I have replacement value on my property, but apparently not with a great company, so now you have me concerned.

If I am insured for say, $200,000 and my home is destroyed, I won't get a $200,000 pay out to rebuild, but maybe 30% less than the stated policy? How can they do that?

Sorry for the thread drift, but then again, maybe it isn't thread drift if I end up losing my home to this ebola thing....

You misread. After Katrina insurance companies were paying Not 30% less, but 70% LESS than insured property value. They were paying 30 cents on each dollar of insured value!



But I don't see the confiscation of the home ITSELF in the decontamination confiscation (unless it is later, to pay for your million dollar health care medical bills)

And for those who said you cant be sued if you are dead, your estate sure can be, and you still have the PROPERTY, any other real estate, bank accounts, stock certificates,and other wealth not within the home itself.
 

WildDaisy

God has a plan, Trust it!
Just remember how easy it is to be thrust back to the middle ages. We talk about and prep for these major disasters, and many talk about "TEOTWAWKI". Well, not having insurance money to cover losing everything you own but your life is about as "end" as you can get.

When this Ebola pandemic is over, NO ONE WILL BE COVERED. Your insurance will be worthless. Insurance is great for small scale losses, like one area, neighborhood, home, but once the risk passes a certain threshold, no insurance carrier has the resources to pay out in an instance like this. It is how the insurance carriers work. With major losses, they will file for bankruptcy and owe no one anything. The government in their pockets will make sure of that. You will have no recourse.

Prepping doesn't just mean how well you have prepared physically, but also mentally and spiritually. Just like those during the Nazi regime who lost their businesses, homes, children, everything they owned, they did not get any reimbursement. Those that survived walked out of concentration camps with no where to go, no "Red Cross" or "Salvation Army" to help them. They rose from the ashes of their situation and moved on.

How prepared are you to not only survive physically, but mentally and spiritually too? Time to get prepped in those areas too. It may be all you have left after it is all over.
 

Thomas Paine

Has No Life - Lives on TB
There are some things that can be deconned things made of metal, various synthetics and such. I know in the south they best start naplaming certain communities if they think they will take guns , and various other properties under the guise of this issue. Last thing they want is people poking holes in those nice white space suits with pointy sticks, knives, sling shots, arrows, and bullets.
 

It'sJustMe

Deceased
I think they totally over reacted in destroying everything that the nurse owned (I believe it was the nurse). Mistakes have been made across the board in this crisis. If a person's home can be decontaminated for future use, then the majority of their things can be, as well. Hopefully when cooler heads prevail, ebola victim's belongings will be handled in a more appropriate manner, and not just burned to ashes.
 

phloydius

Veteran Member
If you remove the carpets as 'infected', you need to remove all the walls and ceilings as well! I am serious, your walls are most likely drywall (on the inside) and absorb as well or better than carpets.
 
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