Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hartfeat Saint Louis with AKAIG Holiday bringing you the pulse
of the city.
Speaker 2 (00:09):
What's up you boy?
Speaker 3 (00:10):
Got your DJ PDJ Holiday? And as everybody know, on
May sixteenth, the tornado hit our city somewhere around for
something in the afternoon, and it pretty much not only
turned the city upside down, but it turned a lot
of lives upside down and asked a lot of the
(00:34):
you know, the fanfare if you want to call it,
but the big push with the boots on the ground,
and I'm out here, see me, and I'm this, and
I'm that. Uh to be honest, when I look on
you know, social media, even the television, I don't see
that anymore. But people are still, you know, suffering, and
(00:56):
they are looking, still looking for answers because you know,
they they haven't been able to get the help that
they really need. And I used to I told everybody
that this is not going to be a overnight thing.
We're going to be, you know, dealing with this for
some time now. And you know, for me, you know,
(01:18):
i'd be like, you know, where's all the people where
they at? You know, you was on social media? You
know here I am, look at me. I'm out here. Well,
I'm here to say that I have a group of
young people that are still out there and they're still
still doing what they need to do to make sure
that the community receive what they need and to make
(01:41):
sure that people are not getting taken advantage of. So,
ladies and gentlemen, I got to say this in a proud,
uh you know way, because when you when you know,
when you get get up to my age and you
(02:01):
see young people stepping up to the plate and standing tall,
standing talk, you know, standing tall and just saying this
is not going to happen in our community, you just
can't help but be proud. So I'm going to introduce
the people who are a part of and probably even
started I don't know, but we're gonna find out.
Speaker 4 (02:22):
It's called the Coalition. Yes, yes, how y'all doing to day?
Oh well we are well, we're blessed. Thank you doctor
beat Jay, the DJ. Yes, thank you so much for
having us, and congratulations on forty amazing years in radio
and continuing.
Speaker 3 (02:43):
Yeah and continuing. You know, had the big celebration turned
out extremely nice and just still overwhelming by it all,
because you know, when you are doing this type of
work and you sit behind the microphone. There's no camera
and you don't get to see the impact. Yes, because
(03:05):
a lot of times you're talking to you know, two
other people. You know, you know, you got me myself
and I.
Speaker 4 (03:14):
I was waiting for the other two people.
Speaker 3 (03:15):
Yes, yes, me, and then I'm talking to myself and I.
That's the way you feel, but you don't realize the
masters of people that you impacting your touch.
Speaker 4 (03:27):
So thank you so.
Speaker 3 (03:27):
Much, of course. So the corealistion, Yes, okay, who we
got in the studio.
Speaker 4 (03:33):
Let's go.
Speaker 2 (03:33):
I am Ebonie Johnson. I'm a license broker for life
insurance and Medicare.
Speaker 5 (03:40):
I'm Jonathan Henderson. I was a licensed sales producer. I
was also an independent insurance suggester and now serve as
a general contractor.
Speaker 4 (03:49):
Yes, yes, beautiful coalition members as well as myself. Kimberly Turner,
I am an attorney, a realtor and a consultant and
the coalition court. We have some amazing leaders in the coalition,
which we would be remiss if we did not mention
who they are. So Denise Turner, who is a realtor, attorney,
(04:11):
Jaton Dial who is an attorney law students Robert Beckeles
as well as Darren Rockett and many others who are
working together with the Coalition.
Speaker 3 (04:25):
Okay, now here's the question. And I know a lot
of my listeners. Are you hearing the coalition? They're hearing
that right?
Speaker 4 (04:35):
So what is yes? That is a good question, awesome, yes, yes, Well,
the Coalition is an organization that has come together since
the Saint Louis City tornado on May sixteenth. We formed
on May twenty third. We're a group of attorneys, realtors,
law students, and insurance claim adjusters as individuals and organizations
(04:58):
such as Mound City Barsssociation, the Black Attorneys, the Realts
of Metropolitan Saint Louis, the Black Rilters, the Black Law
Students Association of Washington University School of Law and Saint
Louis University School of Law, and the National African American
Insurance Association. And our only objective is to protect our
(05:19):
community who have been impacted by the Saint Louis City
tornado by protecting their home ownership rights and tenants rights.
And we're doing that in our phase one so far
with that three tier approach.
Speaker 3 (05:32):
Okay, so I think we were talking earlier that you know,
there was people out there trying to get you know,
like residents to sign stuff. Yes, you know what I mean.
So you want to tell you guys want to talk
a little bit about that, you know what I mean?
Speaker 4 (05:50):
Because I just what are they trying to get them
to sign? Yes, So early on we saw that there
was a need for this legal information and insurance information
because we could see by talking with community as well
as hearing the calls of community, that there was misinformation
to manipulate our community impacted. And so there were those
(06:11):
and probably still are some, hopefully the information has gotten out,
but that we're looking to have community members to sign
quick claim deeds fraudulently. That we're telling community members that
if your home has a red condemnation sticker, you no
longer own that home, right. And these are homes that
are generational homes, homes that have been passed down from
(06:32):
grandmothers to mothers to daughters and sons alike. And so
we said, no, not here, not now, not ever. We
can come together, we can do something about this. We
as a coalition, And so the call came out. My
sister and my brother they answered together with others and said, yes,
we have our first line of defense, which is our
(06:52):
no yor Rights flyers, drafted and designed by the coalition,
which we've been able to get out together with the
help of the community, over thirteen thousand of our flyers,
with partnerships of over twelve different community hubs from the
Urban League Action, Saint Louis for the Culture and that's
stl Dream Builders for Equity, the Operation Food Search, the
(07:15):
Little Bit Foundation, Saint James A and Me and so forth,
various organizations, churches and grassroots groups, nonprofits that have come together,
that have self deployed, that have interfaced with community. We're
getting these flyers to them, and we have more. So
if you yourself are working in community, we want to
get you these know your Rights flyers. We have copies
(07:39):
that have been donated in kind from law offices and
individuals and organizations specifically to be a first line of defense.
And that is our Tier one.
Speaker 3 (07:48):
Okay, Tier one, Okay, let's talk about you know, a person.
Speaker 4 (07:57):
House was.
Speaker 3 (08:00):
Damage in the tornado, all right, and I have insurance,
but I don't know you know what my coverage look
like because I didn't really read it. I just know,
you know what I mean. I got insurance. So how
does the coalition help with that?
Speaker 4 (08:21):
Well, that's an excellent question and Jonathan Henderson, our insurance
claim expert lead, is going to take that question. We
have formed an insurance claim hub and with that insurance
claim hub, we are able to help community to file
their insurance claims on site with insurance claim adjusters as
well as attorneys to answer questions legal and insurance related.
(08:43):
So Jonathan, tell our community a little bit about how
we're able to help them at our hub every single
Saturday from eleven am into one thirty pm in the community.
Speaker 5 (08:51):
Okay, So the way that we're able to help the
community with insurance questions, we're helping out with insurance policy information.
Lot of people they don't understand the policy, like what
you just said. We're dealing with a lot of underinsured
clients as well or community members as well. What's happening
is they signed up for the policy probably fifteen plus
(09:13):
years ago, never really looked at the policy, never really
know what's in it. Right before they needed to buy
the house, they said, Hey, just give me some insurance.
I need assurance whatever you can get it for me. Well,
now they need it and they're underensured. The price that
is the cost of repairs now has tripled with inflation
(09:36):
and some of the different code items that we have now.
So that's what's going on, as well as a lot
of questions on contractors. We having a lot of people
from out of town come into our communities and they're
signing documents that they don't know is assignment of benefits
(09:56):
to public adjusters that's from other states. Now they can't
even get any information on their claim because they signed
that document that has signed all the benefits to the
public adjustice. What I deal with a lot. I'm dealing
with community members that's going through a lot of horror stories.
We got some community members where insurance policy lapsed right
(10:20):
before the storm, so now they're not even covered, but
you've been paying all these years. So there's a lot
of horror stories when it comes to insurance. Also insurance
not paying out the claims in the amount that they
should and what the damage is edequickly and what they
account for. Yes, so we're dealing with a lot of
(10:47):
insurance conflicts we're dealing with right now. We're having a
lot of FEMA appeals. It's people applying for FEMA and
they are getting rejected. So what do I do Now?
I have a house that's completely devastated. I have personal
property items on the inside of my home. I pretty
much lost everything I worked my whole life for and
(11:10):
I need assistance. We got a lot of people that
don't have insurance.
Speaker 3 (11:14):
Okay, I got a question because I know you guys
are real to as well.
Speaker 4 (11:18):
This is why yes, coalition of coudation.
Speaker 3 (11:25):
So here's here's my question. My question is is that
a person has insurance, the house is damaged. Okay, the
cause to repair the house is two hundred thousand dollars
because of inflation and all of that whatever.
Speaker 4 (11:45):
But when you.
Speaker 3 (11:46):
Look on record, the house is only worth one hundred
thousand How How?
Speaker 2 (11:55):
How?
Speaker 3 (11:56):
Because oh they it is the insurance company going to
treat the damage to the house like it's a car accident.
You know, you have a car accident. The cars worth
five thousand dollars, the price to fixes at fifteen, but
they're only gonna give you five. So how does that work?
Speaker 5 (12:16):
So that goes back into your policy. So you have
to deal with your insurance agent and take a look
at your policy because the insurance company's only going to
pay you for what you paid for the total policy limit.
So let's say, for instance, you said the cost of
the damage is two hundred right, Well, the total policy
that you're being paying for is only for one hundred thousand.
(12:38):
So if the insurance come is going to pay you
a total loss, let's say they totally lost your house,
they're only going to pay you one hundred thousand, depending
on if you have certain coverages within that policy. Most
important right now is ON and L which is ordernance
and law coverage, and that will cover you for building
codes and upgrades. So the price right now, yeah, you
(13:03):
have total one hundred thousand, right, well, the code is
this now to bring your house back to pre lost condition,
so there's coverage for that. So you want to make
sure that you're talking to insurance experts that can walk
you through that process. And you know we do that
every week at the at the insurance hub. And what
(13:24):
time from eleven am to one.
Speaker 3 (13:26):
Thirty Okay, So you guys do this this hub every Saturday, correct, Yes,
that's right, okay, And where is it located?
Speaker 4 (13:35):
So currently we are located.
Speaker 2 (13:37):
At forty six oh eight Doctor Martin Luther King Drive
in the corner of Cora right now for the next
three weeks and then we'll be changed locations. So right
now it's the greater Ville area, is it. We're at
actually canvasing and we have a hub on spot, but
we will changing locations in the next three weeks as well.
Speaker 3 (13:54):
Okay, So is there a website or anything else that
you guys have that people can go to.
Speaker 4 (14:02):
Yes, most definitely. And you know, part of what we're
doing is making sure that we are alerting community of
what is happening, right and so we're doing that by canvassing, yes,
And so we have a call, we have a call
to action, right.
Speaker 2 (14:18):
So we need men in particular, we need volunteers, but
more in particular men. It's always women out there every
single week. We do need men for canvassin blocked by block,
door by door, as well as car drivers to help
with canvas, walkers, cooler stations, supplies, hot plates, hygiene, kids,
baby supplies, just to carry all the different products we
(14:39):
have in the cars. If anybody gets overheated, we need
you with their car as well. But we do Our
main call right now is a canvassine and volunteers for
that and just to be able to assist us of
the hub as well.
Speaker 4 (14:50):
That's right, because when we're canvassing, we're taking with us
in these vehicles. Right. We have hot plates donated by
Saint Louis University, the School of Social Work and Propel
Kitchen that we're able to share with community. We have
hygiene kits donated from various organizations. We have baby supplies
donated from various organizations like Crisis Nursery to be able
to have a wrap around effect. And at our hub
(15:11):
we have those items too, but we're taking it blocked
by block, door by door, so that we're able to
inform community of hey, we are here in community. We're
not asking you to come to us. We are coming
to you to make sure that you have this information
as well as that you know that we're located right
here on the corner of MLK and Core forty six
oh a doctor Martin Luther Kingk drive every Saturday to
(15:32):
be able to help with their insurance claim Hub and
these resources and so you know you can reach out
to us. You can reach out to us by giving
us a call or text at three one four four
seven nine eight six four nine three one four four
seven nine eight six four nine, as well as finding
us on on social media on Facebook, which you can
(15:54):
find us at Facebook dot com, so www dot Facebook
dot com. Forward Slash groups g r ou PS, Forward
Slash v Thhe Coalition co A l I TiO N
the number one forward Slash when you reach out, We're
wanting you to reach out to know about the resources
(16:16):
and how to find us because, like Ebany said, we
will be at this location until the assignment is complete,
at least until August twenty third. If the assignment is
not complete, we will still be at MK and Quorra,
and once it has been completed, we are not stopping
at all. We are picking up and moving to the
next tornado unpacted community to do the exact same thing.
(16:37):
So we need to make sure that you community know
how to find us. So if you're on our Facebook
page or you call our text us, we can tell you. Also,
please spread the word that we are here to help
as attorneys, realtors, law students, and insurance claim it justters
who have the expertise to make sure that you know
what you need to know to know your rights right
and be protected. In addition to that, we are calling
(16:57):
for volunteers. We need the help community to complete the
assignment and complete the assignments to come. We need you.
We need you to come out, whether you're a man, woman,
or child to volunteer. You can volunteer in four different
ways canvassing. So if you can walk and you could talk,
we need you. You're going out in groups of four
(17:17):
to five. If you can't walk, then we need you
as a driver. The driver serves, like Ebanie said, as
the coolert station as well as a supply base for
those items that we give out as we canvas number two.
If you can't walk, you can't drive. We need you
at the hub stationary right because there's logistics that need
to be handled together with giving out those items directly
to community as they visit us at the hub and
(17:39):
fourth and finally for right now in our phase one,
we need help with donation of items, so from more
hot plates. If you have a restaurant, you have a
food truck, you have a catering business, or a church
feeding ministry, we need you because we need to have
hot food to be given out to community. There's still
the need. The need has not not been met. It
(18:02):
has not stopped as well as donating diapers, clothes, fresh
food for the day of waters, wifes, essential items. So
if you're able to donate that, we have been blessed
to have Washington Metropolitan Amysion Church for the Reverend doctor
William Johnson. The third is the pastor of my church
home to allow us space to store these items as
(18:23):
we could continue to give them out. So we need
your help with all of these in our phase one
together with we talked about tier one, we talked about
tier three, and we skipped tier two, which is education,
and we have the education on our Facebook page and
our continuing that and now we're entering our phase two.
So we have a call for contractors. We see the
(18:43):
need now that many are getting insurance and FEMA. They're
in need of contractors.
Speaker 5 (18:49):
Because because right now we're in the stage now where
you got your insurance check, they gave you your scope
of work. So now what normal homeowners don't understand insurance
scopes and they don't understand where to start. So that's
what we need qualified contractors to come in and help
and assist these community members. We're getting back to a
pre lost condition and walking them through the process and
(19:13):
being able to speak to the insurance companies and speak
the language, and we've been blessed enough to have leadership
at the Hub to be able to assist the community
members with that very need. Like I said, when it
comes to FEMA, the current deadline I want to regitter
right now is August eleventh, and the extention has been
(19:35):
requested and right now we're still trying to figure out
what the status is on that extension, but as of
right now, where it stands, August eleventh is the deadline.
So we're trying to make sure we can get as
many people to apply for assistance as we can. So
please apply for FEMA if you don't have insurance, and
(19:55):
even if you do have insurance, there is a misconception
that if you have insurance that you can't use FEMA.
Not the case. FEMA is used as a supplement to insurance.
So we haven't situations like I spoke on before, where
we're having members that's under insured. You don't have enough
coverage to cover all the damage.
Speaker 3 (20:16):
All right, So right now, give me the number once
again for us to be able to get contact with everybody.
Speaker 4 (20:23):
Yes, yes, that number again. We are the coalition. My
name is Kimberly Turner, I'm the coordinator, attorney and realtor.
We got Ebeny Johnson, leader of the Coalition.
Speaker 5 (20:32):
And Jonathan Henderson, I'm the insurance claims expert. Yes man
in the coalition.
Speaker 4 (20:36):
Yes and so together you can reach us at three
one four four seven nine eight six four nine and
doctor BJ. We want to ask the people if you
had any issues following your insurance you've been denied by FEMA, right,
you've had any issues with your insurance company, or the
amount that you've been given has been low and undervalued.
(20:58):
Contact us. We're moving forward in this direction. Please contact us.
You want to volunteer, you need the resources, you need
to find where we are. Contact us with the coalition.
I'm the coordinator. These are some leaders, amazing leaders, and
we're so glad to be here with you today. Doctor
p J.
Speaker 3 (21:16):
Thank you all right, Thank you guys so much.
Speaker 4 (21:18):
Thank you.
Speaker 1 (21:19):
This has been another edition of Heartbeat Saint Louis with
PJ the DJ aka BJ Holiday, bringing you the pulse
of the city.
Hartfeat Saint Louis with AKAIG Holiday bringing you the pulse
of the city.
Speaker 2 (00:09):
What's up you boy?
Speaker 3 (00:10):
Got your DJ PDJ Holiday? And as everybody know, on
May sixteenth, the tornado hit our city somewhere around for
something in the afternoon, and it pretty much not only
turned the city upside down, but it turned a lot
of lives upside down and asked a lot of the
(00:34):
you know, the fanfare if you want to call it,
but the big push with the boots on the ground,
and I'm out here, see me, and I'm this, and
I'm that. Uh to be honest, when I look on
you know, social media, even the television, I don't see
that anymore. But people are still, you know, suffering, and
(00:56):
they are looking, still looking for answers because you know,
they they haven't been able to get the help that
they really need. And I used to I told everybody
that this is not going to be a overnight thing.
We're going to be, you know, dealing with this for
some time now. And you know, for me, you know,
(01:18):
i'd be like, you know, where's all the people where
they at? You know, you was on social media? You
know here I am, look at me. I'm out here. Well,
I'm here to say that I have a group of
young people that are still out there and they're still
still doing what they need to do to make sure
that the community receive what they need and to make
(01:41):
sure that people are not getting taken advantage of. So,
ladies and gentlemen, I got to say this in a proud,
uh you know way, because when you when you know,
when you get get up to my age and you
(02:01):
see young people stepping up to the plate and standing tall,
standing talk, you know, standing tall and just saying this
is not going to happen in our community, you just
can't help but be proud. So I'm going to introduce
the people who are a part of and probably even
started I don't know, but we're gonna find out.
Speaker 4 (02:22):
It's called the Coalition. Yes, yes, how y'all doing to day?
Oh well we are well, we're blessed. Thank you doctor
beat Jay, the DJ. Yes, thank you so much for
having us, and congratulations on forty amazing years in radio
and continuing.
Speaker 3 (02:43):
Yeah and continuing. You know, had the big celebration turned
out extremely nice and just still overwhelming by it all,
because you know, when you are doing this type of
work and you sit behind the microphone. There's no camera
and you don't get to see the impact. Yes, because
(03:05):
a lot of times you're talking to you know, two
other people. You know, you know, you got me myself
and I.
Speaker 4 (03:14):
I was waiting for the other two people.
Speaker 3 (03:15):
Yes, yes, me, and then I'm talking to myself and I.
That's the way you feel, but you don't realize the
masters of people that you impacting your touch.
Speaker 4 (03:27):
So thank you so.
Speaker 3 (03:27):
Much, of course. So the corealistion, Yes, okay, who we
got in the studio.
Speaker 4 (03:33):
Let's go.
Speaker 2 (03:33):
I am Ebonie Johnson. I'm a license broker for life
insurance and Medicare.
Speaker 5 (03:40):
I'm Jonathan Henderson. I was a licensed sales producer. I
was also an independent insurance suggester and now serve as
a general contractor.
Speaker 4 (03:49):
Yes, yes, beautiful coalition members as well as myself. Kimberly Turner,
I am an attorney, a realtor and a consultant and
the coalition court. We have some amazing leaders in the coalition,
which we would be remiss if we did not mention
who they are. So Denise Turner, who is a realtor, attorney,
(04:11):
Jaton Dial who is an attorney law students Robert Beckeles
as well as Darren Rockett and many others who are
working together with the Coalition.
Speaker 3 (04:25):
Okay, now here's the question. And I know a lot
of my listeners. Are you hearing the coalition? They're hearing
that right?
Speaker 4 (04:35):
So what is yes? That is a good question, awesome, yes, yes, Well,
the Coalition is an organization that has come together since
the Saint Louis City tornado on May sixteenth. We formed
on May twenty third. We're a group of attorneys, realtors,
law students, and insurance claim adjusters as individuals and organizations
(04:58):
such as Mound City Barsssociation, the Black Attorneys, the Realts
of Metropolitan Saint Louis, the Black Rilters, the Black Law
Students Association of Washington University School of Law and Saint
Louis University School of Law, and the National African American
Insurance Association. And our only objective is to protect our
(05:19):
community who have been impacted by the Saint Louis City
tornado by protecting their home ownership rights and tenants rights.
And we're doing that in our phase one so far
with that three tier approach.
Speaker 3 (05:32):
Okay, so I think we were talking earlier that you know,
there was people out there trying to get you know,
like residents to sign stuff. Yes, you know what I mean.
So you want to tell you guys want to talk
a little bit about that, you know what I mean?
Speaker 4 (05:50):
Because I just what are they trying to get them
to sign? Yes, So early on we saw that there
was a need for this legal information and insurance information
because we could see by talking with community as well
as hearing the calls of community, that there was misinformation
to manipulate our community impacted. And so there were those
(06:11):
and probably still are some, hopefully the information has gotten out,
but that we're looking to have community members to sign
quick claim deeds fraudulently. That we're telling community members that
if your home has a red condemnation sticker, you no
longer own that home, right. And these are homes that
are generational homes, homes that have been passed down from
(06:32):
grandmothers to mothers to daughters and sons alike. And so
we said, no, not here, not now, not ever. We
can come together, we can do something about this. We
as a coalition, And so the call came out. My
sister and my brother they answered together with others and said, yes,
we have our first line of defense, which is our
(06:52):
no yor Rights flyers, drafted and designed by the coalition,
which we've been able to get out together with the
help of the community, over thirteen thousand of our flyers,
with partnerships of over twelve different community hubs from the
Urban League Action, Saint Louis for the Culture and that's
stl Dream Builders for Equity, the Operation Food Search, the
(07:15):
Little Bit Foundation, Saint James A and Me and so forth,
various organizations, churches and grassroots groups, nonprofits that have come together,
that have self deployed, that have interfaced with community. We're
getting these flyers to them, and we have more. So
if you yourself are working in community, we want to
get you these know your Rights flyers. We have copies
(07:39):
that have been donated in kind from law offices and
individuals and organizations specifically to be a first line of defense.
And that is our Tier one.
Speaker 3 (07:48):
Okay, Tier one, Okay, let's talk about you know, a person.
Speaker 4 (07:57):
House was.
Speaker 3 (08:00):
Damage in the tornado, all right, and I have insurance,
but I don't know you know what my coverage look
like because I didn't really read it. I just know,
you know what I mean. I got insurance. So how
does the coalition help with that?
Speaker 4 (08:21):
Well, that's an excellent question and Jonathan Henderson, our insurance
claim expert lead, is going to take that question. We
have formed an insurance claim hub and with that insurance
claim hub, we are able to help community to file
their insurance claims on site with insurance claim adjusters as
well as attorneys to answer questions legal and insurance related.
(08:43):
So Jonathan, tell our community a little bit about how
we're able to help them at our hub every single
Saturday from eleven am into one thirty pm in the community.
Speaker 5 (08:51):
Okay, So the way that we're able to help the
community with insurance questions, we're helping out with insurance policy information.
Lot of people they don't understand the policy, like what
you just said. We're dealing with a lot of underinsured
clients as well or community members as well. What's happening
is they signed up for the policy probably fifteen plus
(09:13):
years ago, never really looked at the policy, never really
know what's in it. Right before they needed to buy
the house, they said, Hey, just give me some insurance.
I need assurance whatever you can get it for me. Well,
now they need it and they're underensured. The price that
is the cost of repairs now has tripled with inflation
(09:36):
and some of the different code items that we have now.
So that's what's going on, as well as a lot
of questions on contractors. We having a lot of people
from out of town come into our communities and they're
signing documents that they don't know is assignment of benefits
(09:56):
to public adjusters that's from other states. Now they can't
even get any information on their claim because they signed
that document that has signed all the benefits to the
public adjustice. What I deal with a lot. I'm dealing
with community members that's going through a lot of horror stories.
We got some community members where insurance policy lapsed right
(10:20):
before the storm, so now they're not even covered, but
you've been paying all these years. So there's a lot
of horror stories when it comes to insurance. Also insurance
not paying out the claims in the amount that they
should and what the damage is edequickly and what they
account for. Yes, so we're dealing with a lot of
(10:47):
insurance conflicts we're dealing with right now. We're having a
lot of FEMA appeals. It's people applying for FEMA and
they are getting rejected. So what do I do Now?
I have a house that's completely devastated. I have personal
property items on the inside of my home. I pretty
much lost everything I worked my whole life for and
(11:10):
I need assistance. We got a lot of people that
don't have insurance.
Speaker 3 (11:14):
Okay, I got a question because I know you guys
are real to as well.
Speaker 4 (11:18):
This is why yes, coalition of coudation.
Speaker 3 (11:25):
So here's here's my question. My question is is that
a person has insurance, the house is damaged. Okay, the
cause to repair the house is two hundred thousand dollars
because of inflation and all of that whatever.
Speaker 4 (11:45):
But when you.
Speaker 3 (11:46):
Look on record, the house is only worth one hundred
thousand How How?
Speaker 2 (11:55):
How?
Speaker 3 (11:56):
Because oh they it is the insurance company going to
treat the damage to the house like it's a car accident.
You know, you have a car accident. The cars worth
five thousand dollars, the price to fixes at fifteen, but
they're only gonna give you five. So how does that work?
Speaker 5 (12:16):
So that goes back into your policy. So you have
to deal with your insurance agent and take a look
at your policy because the insurance company's only going to
pay you for what you paid for the total policy limit.
So let's say, for instance, you said the cost of
the damage is two hundred right, Well, the total policy
that you're being paying for is only for one hundred thousand.
(12:38):
So if the insurance come is going to pay you
a total loss, let's say they totally lost your house,
they're only going to pay you one hundred thousand, depending
on if you have certain coverages within that policy. Most
important right now is ON and L which is ordernance
and law coverage, and that will cover you for building
codes and upgrades. So the price right now, yeah, you
(13:03):
have total one hundred thousand, right, well, the code is
this now to bring your house back to pre lost condition,
so there's coverage for that. So you want to make
sure that you're talking to insurance experts that can walk
you through that process. And you know we do that
every week at the at the insurance hub. And what
(13:24):
time from eleven am to one.
Speaker 3 (13:26):
Thirty Okay, So you guys do this this hub every Saturday, correct, Yes,
that's right, okay, And where is it located?
Speaker 4 (13:35):
So currently we are located.
Speaker 2 (13:37):
At forty six oh eight Doctor Martin Luther King Drive
in the corner of Cora right now for the next
three weeks and then we'll be changed locations. So right
now it's the greater Ville area, is it. We're at
actually canvasing and we have a hub on spot, but
we will changing locations in the next three weeks as well.
Speaker 3 (13:54):
Okay, So is there a website or anything else that
you guys have that people can go to.
Speaker 4 (14:02):
Yes, most definitely. And you know, part of what we're
doing is making sure that we are alerting community of
what is happening, right and so we're doing that by canvassing, yes,
And so we have a call, we have a call
to action, right.
Speaker 2 (14:18):
So we need men in particular, we need volunteers, but
more in particular men. It's always women out there every
single week. We do need men for canvassin blocked by block,
door by door, as well as car drivers to help
with canvas, walkers, cooler stations, supplies, hot plates, hygiene, kids,
baby supplies, just to carry all the different products we
(14:39):
have in the cars. If anybody gets overheated, we need
you with their car as well. But we do Our
main call right now is a canvassine and volunteers for
that and just to be able to assist us of
the hub as well.
Speaker 4 (14:50):
That's right, because when we're canvassing, we're taking with us
in these vehicles. Right. We have hot plates donated by
Saint Louis University, the School of Social Work and Propel
Kitchen that we're able to share with community. We have
hygiene kits donated from various organizations. We have baby supplies
donated from various organizations like Crisis Nursery to be able
to have a wrap around effect. And at our hub
(15:11):
we have those items too, but we're taking it blocked
by block, door by door, so that we're able to
inform community of hey, we are here in community. We're
not asking you to come to us. We are coming
to you to make sure that you have this information
as well as that you know that we're located right
here on the corner of MLK and Core forty six
oh a doctor Martin Luther Kingk drive every Saturday to
(15:32):
be able to help with their insurance claim Hub and
these resources and so you know you can reach out
to us. You can reach out to us by giving
us a call or text at three one four four
seven nine eight six four nine three one four four
seven nine eight six four nine, as well as finding
us on on social media on Facebook, which you can
(15:54):
find us at Facebook dot com, so www dot Facebook
dot com. Forward Slash groups g r ou PS, Forward
Slash v Thhe Coalition co A l I TiO N
the number one forward Slash when you reach out, We're
wanting you to reach out to know about the resources
(16:16):
and how to find us because, like Ebany said, we
will be at this location until the assignment is complete,
at least until August twenty third. If the assignment is
not complete, we will still be at MK and Quorra,
and once it has been completed, we are not stopping
at all. We are picking up and moving to the
next tornado unpacted community to do the exact same thing.
(16:37):
So we need to make sure that you community know
how to find us. So if you're on our Facebook
page or you call our text us, we can tell you. Also,
please spread the word that we are here to help
as attorneys, realtors, law students, and insurance claim it justters
who have the expertise to make sure that you know
what you need to know to know your rights right
and be protected. In addition to that, we are calling
(16:57):
for volunteers. We need the help community to complete the
assignment and complete the assignments to come. We need you.
We need you to come out, whether you're a man, woman,
or child to volunteer. You can volunteer in four different
ways canvassing. So if you can walk and you could talk,
we need you. You're going out in groups of four
(17:17):
to five. If you can't walk, then we need you
as a driver. The driver serves, like Ebanie said, as
the coolert station as well as a supply base for
those items that we give out as we canvas number two.
If you can't walk, you can't drive. We need you
at the hub stationary right because there's logistics that need
to be handled together with giving out those items directly
to community as they visit us at the hub and
(17:39):
fourth and finally for right now in our phase one,
we need help with donation of items, so from more
hot plates. If you have a restaurant, you have a
food truck, you have a catering business, or a church
feeding ministry, we need you because we need to have
hot food to be given out to community. There's still
the need. The need has not not been met. It
(18:02):
has not stopped as well as donating diapers, clothes, fresh
food for the day of waters, wifes, essential items. So
if you're able to donate that, we have been blessed
to have Washington Metropolitan Amysion Church for the Reverend doctor
William Johnson. The third is the pastor of my church
home to allow us space to store these items as
(18:23):
we could continue to give them out. So we need
your help with all of these in our phase one
together with we talked about tier one, we talked about
tier three, and we skipped tier two, which is education,
and we have the education on our Facebook page and
our continuing that and now we're entering our phase two.
So we have a call for contractors. We see the
(18:43):
need now that many are getting insurance and FEMA. They're
in need of contractors.
Speaker 5 (18:49):
Because because right now we're in the stage now where
you got your insurance check, they gave you your scope
of work. So now what normal homeowners don't understand insurance
scopes and they don't understand where to start. So that's
what we need qualified contractors to come in and help
and assist these community members. We're getting back to a
pre lost condition and walking them through the process and
(19:13):
being able to speak to the insurance companies and speak
the language, and we've been blessed enough to have leadership
at the Hub to be able to assist the community
members with that very need. Like I said, when it
comes to FEMA, the current deadline I want to regitter
right now is August eleventh, and the extention has been
(19:35):
requested and right now we're still trying to figure out
what the status is on that extension, but as of
right now, where it stands, August eleventh is the deadline.
So we're trying to make sure we can get as
many people to apply for assistance as we can. So
please apply for FEMA if you don't have insurance, and
(19:55):
even if you do have insurance, there is a misconception
that if you have insurance that you can't use FEMA.
Not the case. FEMA is used as a supplement to insurance.
So we haven't situations like I spoke on before, where
we're having members that's under insured. You don't have enough
coverage to cover all the damage.
Speaker 3 (20:16):
All right, So right now, give me the number once
again for us to be able to get contact with everybody.
Speaker 4 (20:23):
Yes, yes, that number again. We are the coalition. My
name is Kimberly Turner, I'm the coordinator, attorney and realtor.
We got Ebeny Johnson, leader of the Coalition.
Speaker 5 (20:32):
And Jonathan Henderson, I'm the insurance claims expert. Yes man
in the coalition.
Speaker 4 (20:36):
Yes and so together you can reach us at three
one four four seven nine eight six four nine and
doctor BJ. We want to ask the people if you
had any issues following your insurance you've been denied by FEMA, right,
you've had any issues with your insurance company, or the
amount that you've been given has been low and undervalued.
(20:58):
Contact us. We're moving forward in this direction. Please contact us.
You want to volunteer, you need the resources, you need
to find where we are. Contact us with the coalition.
I'm the coordinator. These are some leaders, amazing leaders, and
we're so glad to be here with you today. Doctor
p J.
Speaker 3 (21:16):
Thank you all right, Thank you guys so much.
Speaker 4 (21:18):
Thank you.
Speaker 1 (21:19):
This has been another edition of Heartbeat Saint Louis with
PJ the DJ aka BJ Holiday, bringing you the pulse
of the city.
Popular Podcasts
Fudd Around And Find Out
UConn basketball star Azzi Fudd brings her championship swag to iHeart Women’s Sports with Fudd Around and Find Out, a weekly podcast that takes fans along for the ride as Azzi spends her final year of college trying to reclaim the National Championship and prepare to be a first round WNBA draft pick. Ever wonder what it’s like to be a world-class athlete in the public spotlight while still managing schoolwork, friendships and family time? It’s time to Fudd Around and Find Out!
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com