After the fires

Summary

Planet Money: "After the Fires" - A Comprehensive Summary

Release Date: January 23, 2025
Host/Author: NPR's Planet Money
Episode Title: After the Fires

---

Introduction: Understanding the Devastation

In the episode titled "After the Fires," Planet Money delves deep into the catastrophic wildfire events that ravaged Los Angeles, particularly focusing on the community of Altadena. The episode not only highlights the immediate destruction but also explores the intricate economic and social ramifications that follow such disasters.

---

Personal Stories: The Abdoushakor Family's Loss

The narrative centers around Aaron and Jihad Abdoushakor, a father-son duo whose lives were upended by the fires.

• Returning Home to Ashes:
  Sarah Gonzalez interviews Aaron Abdoushakor, who poignantly recounts his return to his demolished home:

  "I was able to go back to my home, which was demolished... burned down to the ground. There's no evidence of a stove, refrigerator, bathtub, a sink. Those things don't exist. It was flat."
  [01:07]

  Meanwhile, his son, Jihad, expresses his frustration rather than sadness:

  "It's photos. It's photos."
  [05:31]

• Impact on Business and Community:
  The family's real estate business, Shakur Realty and Finance, was obliterated alongside their personal residence. Jihad bravely approached the engulfing flames to witness the destruction firsthand:

  "I saw my office burn down in real time."
  [02:28]

---

The Scope of Destruction in Altadena

Altadena, known for its strong middle-class community with a significant percentage of Black and Latino homeowners, faced unprecedented devastation.

• Scale of Damage:
  Nick Fountain highlights the enormity of the disaster:

  "As of now, around 15,000 homes, businesses, structures have been destroyed... damage could be like $275 billion, some say even higher."
  [01:42]

• Community Concerns:
  The loss threatens generational wealth within the Black and Latino communities, with fears of investors exploiting the situation by offering undervalued cash for properties:

  "Most of the people we know in Altadena lost their homes."
  [02:59]

---

Navigating the Immediate Aftermath

The episode paints a vivid picture of the burn zone's current state, emphasizing the challenges faced by residents and responders.

• Entering the Burn Zone:
  Reporters Nick Fountain and Sarah Gonzalez describe their experience infiltrating the secured areas:

  "There's a Humvee parked sideways in the middle of every street... the air is considered very dangerous."
  [08:27]

• Visual Destruction:
  The once vibrant streets are now eerily quiet, with only remnants like brick fireplaces signaling previous residences:

  "There's no color. That's what it is."
  [10:17]

---

The Complex Web of Rebuilding: Insurance and Beyond

Rebuilding after such extensive destruction involves navigating a labyrinth of insurance claims, financial challenges, and logistical hurdles.

Insurance Challenges

• Assessing Damage:
  Insurance adjuster Leland Kunz explains the painstaking process of evaluating total destruction:

  "How do you write an estimate when it's burned to the ground?... there's always clues in the debris."
  [19:56]

• Public vs. Private Adjusters:
  The episode sheds light on the controversial role of public adjusters like Kunz, who assist homeowners in securing fair compensation:

  "There's a lot of money in the details."
  [22:31]

  However, their involvement is double-edged, as their commissions can sometimes leave homeowners with less overall:

  "If you're sensing a little skepticism towards the insurance industry from Leland, here's why..."
  [23:01]

Rebuilding Logistics

• Cleanup Efforts:
  The arduous task of removing toxic materials and structural debris is a prerequisite to rebuilding:

  "Hazmat teams... have to remove all the toxic stuff and the explosive stuff."
  [17:29]

• Economic Implications:
  Nick Fountain emphasizes the long-term economic impact:

  "These fires are California's most expensive fires ever... demand for labor and building material... it is going to be this way for years."
  [07:04]

• Construction Challenges:
  Rebuilding 15,000 structures poses immense logistical challenges, from permitting to potential labor shortages exacerbated by immigration policies:

  "There's also traffic getting all the construction trucks in and out... dependent on workers without legal immigration status."
  [24:56]

---

The Road Ahead: Rebuilding and Community Resilience

Despite the overwhelming challenges, the Abdoushakor family expresses determination to rebuild and retain their roots in Altadena.

• Commitment to Rebuild:
  Aaron Abdoushakor remains resolute:

  "Things could happen to make me change on that, but my plans in my mind is that I'm going to rebuild."
  [05:40]

• Community Reconstruction:
  The episode underscores the uncertainty surrounding the restoration of Altadena's unique character, with concerns that new developments may not preserve the neighborhood's essence:

  "There's no guarantee that what comes next will capture any of what made Altadena special in the first place."
  [25:22]

---

Conclusion: A Community in Transition

"After the Fires" encapsulates the profound impact of the wildfires on Altadena, weaving personal narratives with broader economic and logistical challenges. The episode serves as a poignant reminder of the resilience required to rebuild not just structures, but the very fabric of a community.

---

Notable Quotes

• Aaron Abdoushakor:

  "I was able to go back to my home, which was demolished... burned down to the ground. There's no evidence of a stove, refrigerator, bathtub, a sink."
  [01:07]

• Jihad Abdoushakor:

  "It's photos. It's photos."
  [05:31]

• Nick Fountain:

  "These fires are California's most expensive fires ever... demand for labor and building material... it is going to be this way for years."
  [07:04]

• Leland Kunz:

  "There's a lot of money in the details."
  [22:31]

• Aaron Abdoushakor:

  "Things could happen to make me change on that, but my plans in my mind is that I'm going to rebuild."
  [05:40]

---

Produced by: James Sneed
Edited by: Keith Romer
Fact-Checked by: Sierra Juarez
Engineered by: Neil Tovalt, with help from Gilly Moon
Executive Producer: Alex Goldmark

---

For those interested in further insights, Planet Money offers additional reporting in their newsletter, featuring discussions with economists on topics like California's home insurance market post-disaster.

Transcript

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[Sarah Gonzalez]

Have you been able to go back to your house?

[Aaron Abdushakor]

I was able to go back to my house that Wednesday. Wednesday after the.

[Sarah Gonzalez]

Wednesday after the big fires started in Los Angeles. Yes.

[Aaron Abdushakor]

I was able to go back to my home, which was demolished.

[Sarah Gonzalez]

It's like fully burned down.

[Aaron Abdushakor]

Burned down to the ground. There's no evidence of a stove, refrigerator, bathtub, a sink. Those things don't exist. It was flat.

[Sarah Gonzalez]

This is Aaron Abdushakor.

[Jihad Abdoushakor]

He saw it. He saw it. I have not seen it myself.

[Nick Fountain]

And that is his son, Jihad Abdoushakor. It was his childhood home.

[Jihad Abdoushakor]

It was my home. Home, yeah. Grew up there. Yep. It's ashes.

[Nick Fountain]

As of now, around 15,000 homes, businesses, structures have been destroyed in the two big fires in Los Angeles and more damaged. There are estimates that between the two fires, the damage could be like $275 billion, some say even higher. This is like 15 times more in damage than the most destructive fire in California's history before now.

[Sarah Gonzalez]

We met Jihad and Aaron when they were standing on one of the main commercial streets in Altadena, where the Eaton fire burned through about half of the town. Along with Aaron's home, the business that he runs with his two sons also caught fire.

[Jihad Abdoushakor]

Yeah. Shakur Realty and Finance is our real estate business and office. And that burned to the ground.

[Sarah Gonzalez]

The son, Jihad, actually went toward the fire to watch it burn. He got close enough to feel the heat.

[Jihad Abdoushakor]

I did. I did. I saw my office burn down in real time.

[Nick Fountain]

One of his dad's rental properties demolished to the ground. Their mosque, the. The mosque they both go to burned down. Four buildings gone.

[Aaron Abdushakor]

I said, I got a grand slam. So. But we're gonna be okay. I think we're gonna be fine.

[Sarah Gonzalez]

Aaron is remarkably calm about all of this. And he has like this just very calming presence in general. But in his eyes, you can see that he's sad. His son, Jihad, he looks more upset but not sad. He's more like Frustrated, he says, most of the people they know in Altadena lost their homes. Now, Altadena, it has this like strong middle class. 81% of the black people living in Altadena own their homes, which is almost double the national average. And there are real concerns that the black community here, the Latino community here, which together make up about half of the population, will lose generational wealth, that investors will take advantage of them by offering fast undervalued cash for their property.

[Nick Fountain]

Jihad is in real estate. Remember, he knows people in the business and he says they are already trying to buy some of the burned down property that no one is even trying to sell yet.

[Jihad Abdoushakor]

An investor sent me a text and it said, I hope you're okay. Hope you and your family are okay from the fires. Do you have any off market property? Right. For me, I'm like, your text should have just ended with, I hope you and your family are okay from the fires. That should have been the end of the text. Come back to me some other time and ask the question about, is there any opportunities?

[Nick Fountain]

Right now their neighborhood is sealed off by police and the National Guard. But there was this brief window the day after the fire started when people come could sneak back in. And Aaron went to look.

[Sarah Gonzalez]

Did you walk around your house? Did you try to look for like, anything special?

[Aaron Abdushakor]

No, I didn't. I didn't have the heart to do it at that time. I just. No, I did not try to look in. I just was amazed that it was totally flat.

[Sarah Gonzalez]

Aaron didn't stay long, 10, 15 minutes at the most. Just looking around, looking out on the block, looking at what used to be his house. There was nothing left. Is there anything in your house that you wish you had?

[Aaron Abdushakor]

Oh, it's many things. Our wedding pictures, you know, all those things are gone. So you just missed it. And my daughter called and I was talking to her daddy, don't forget the pictures. And that's exactly what I did. I forgot I got a couple. And then I was hasty to get out.

[Sarah Gonzalez]

The pictures are also what Jihad wishes their family had.

[Jihad Abdoushakor]

It's photos. It's photos.

[Sarah Gonzalez]

Photos of who?

[Jihad Abdoushakor]

All of our family. You know, old pictures, old pictures. Especially my mother's family.

[Sarah Gonzalez]

Their family has deep roots here. And the dad, Aaron, he said he and his wife plan to stay here. He always thought he would live the rest of his life in Altadena. He said, so he plans to rebuild here. That is his plan.

[Aaron Abdushakor]

Things could happen to make me change on that, but my plans in my mind is that I'm going to rebuild. Once I start on that task, if it's overwhelming, then I will make some adjustments. But right now I'm going to rebuild.

[Sarah Gonzalez]

Have you ever gone through the process of building a house before?

[Aaron Abdushakor]

No, I have not.

[Nick Fountain]

Aaron knows that three of his properties burned down. His house, a rental property, his business. But there is one property he has an office with a studio in the back that he is not sure if it is standing or not.

[Aaron Abdushakor]

I haven't been able to see him.

[Sarah Gonzalez]

So so I can cross the barricades. So if there's an address you want me to check on, I'm happy to check on it for you until they let you in.

[Aaron Abdushakor]

Okay. Do you have a card?

[Sarah Gonzalez]

Yeah, I'll give you a card. Let me just finished chatting with you so far. Hello and welcome to Planet Money.

[Nick Fountain]

I'm Nick Fountain.

[Sarah Gonzalez]

And I'm Sarah Gonzalez. Residents are not allowed into the burned down areas, but reporters are. So we're going into the burn zone to see what's happening there, what happens after this kind of disaster.

[Nick Fountain]

Together these fires are California's most expensive fires ever. They're going to set off billions and billions of dollars of economic activity, insurance claims, games, scams, so much demand for labor and building material and it is going to be this way for years.

[Sarah Gonzalez]

Today on the show, what we saw in Altadena.

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[Sarah Gonzalez]

More than 100 streets that can lead you to the burned out areas of Altadena. And on the day we were there they were all blocked off.

[Nick Fountain]

There's a Humvee parked sideways in the middle of every street. There's police tape and at least two members of the National Guard with machine guns.

[Sarah Gonzalez]

These guys look like just so young.

[Nick Fountain]

Oh my God. The air is considered very dangerous right.

[Sarah Gonzalez]

Now I want to be like, why aren't you guys wearing masks? Here, pull over right here.

[Nick Fountain]

No, Sarah. Sarah. Sarah.

[Sarah Gonzalez]

Hi. I'm just curious. Why are none of you guys wearing masks?

[Nick Fountain]

Sarah. With the parental energy, with the concern for people's health.

[Sarah Gonzalez]

We get to a checkpoint, we're told to stop, roll down the window.

[Nick Fountain]

Hey, how are you? Press, press. Can I see yours, ma'am?

[Sarah Gonzalez]

Yes.

[Nick Fountain]

Great.

[Sarah Gonzalez]

Thank you.

[Nick Fountain]

Thank you.

[Sarah Gonzalez]

Thank you, guys.

[Nick Fountain]

Then a block later. Hello, sir. Another checkpoint.

[Sarah Gonzalez]

Thank you. It's wild to think that the people who have homes here have businesses here, are not allowed in, but we are.

[Nick Fountain]

Yeah.

[Sarah Gonzalez]

So far it looks like nothing. Nothing is burned yet, but you can just feel it coming. You know.

[Nick Fountain]

You can smell it.

[Sarah Gonzalez]

We're driving up one of the main commercial streets, past a gas station, a middle school, grocery stores. We're maybe a few blocks in. Oh, my gosh.

[Nick Fountain]

Yeah.

[Sarah Gonzalez]

Oh, my God.

[Nick Fountain]

Whoa. Yeah.

[Sarah Gonzalez]

Wow.

[Nick Fountain]

This place is completely burned out.

[Sarah Gonzalez]

Let me tell you a little bit about Altadena. Before the fires, it was this little green pocket of la. I live near Altadena. This is one of my neighborhoods. My husband and I, my kids, we drive around here just to look. Look at the trees. Giant, mature trees. Some of the oldest, fullest, like weirdest looking trees in la. And the backdrop of Altadena is the San Gabriel Mountains. These beautiful mountains that always look blue, but today there is no blue. There is no green.

[Nick Fountain]

Yeah, the color, that really is just like gray to me. Like, it's just monochrome. There's, like, no color left other than sometimes some brick, sometimes brick.

[Sarah Gonzalez]

Yeah. There's no color. That's what it is.

[Nick Fountain]

Even the cars don't have color anymore. We're right at the base of the mountains now where homes used to stand. Except you can hardly tell that there were homes here.

[Sarah Gonzalez]

You want to walk around a little bit. We're sort of in the hills overlooking Altadena. And the only thing that makes you know you're on a residential street is. Is the way the cars were parked on the street. That and the fact that when you look out in every direction, the only thing you see standing besides trees that survive sometimes is a brick fireplace. A brick fireplace, a brick fireplace.

[Nick Fountain]

Chimneys everywhere. The chimneys survive.

[Sarah Gonzalez]

It makes you want to build a house made exclusively out of brick. Right. That's what it's like. All you see, like, where's the refrigerator? Where is the refrigerator in this house? Where's the stove? You can't see, like, oh, the kitchen surely was here for blocks and blocks and blocks and Blocks. It's just leveled homes and it's like eerily quiet. There's basically no activity here beyond the checkpoints.

[Nick Fountain]

I think before coming here today, I thought like, oh, they'll just.

[Sarah Gonzalez]

I thought people were going to be like getting to work.

[Nick Fountain]

I thought it was going to be sounds of hammers and stuff like that.

[Sarah Gonzalez]

Yeah.

[Nick Fountain]

But no, the only people beyond the checkpoint are some reporters, police officers, some utility workers and firefighters hosing stuff down. We're just looking for any hot spots that are inside the building. There's just a little smoke coming from this particular building. So two fire engines showed up. They're trying to prevent any new flare ups.

[Sarah Gonzalez]

Do you know what this building was?

[Nick Fountain]

You know what? I looked online. I believe this was a library, a two story library.

[Sarah Gonzalez]

Both fires are still burning. They have not been fully contained yet. So the beginning of the beginning of the rebuilding hasn't even started yet. Residents aren't even allowed to see what we're seeing.

[Nick Fountain]

Some don't even know if their homes or businesses were affected, like Aaron. So we went looking for one of his properties. It's that small office with a studio apartment in the back. But it is hard to find because there aren't any street numbers because there aren't any buildings. This is the 2300 block, is it this one?

[Sarah Gonzalez]

2388. It's standing.

[Nick Fountain]

Right next door to a building that's completely pancaked.

[Sarah Gonzalez]

Yeah, Aaron's building is standing. The front door is cracked open. It looks like maybe somebody kicked it in, but it generally looks untouched.

[Nick Fountain]

Yeah, I mean, some of the awnings are cinched black, but the white paint, the blue trim seems clean. We try Aaron, but he does not answer.

[Sarah Gonzalez]

Aaron, I'm taking a video for you. I don't want to go inside, but yeah, the whole building looks from the outside looks okay.

[Nick Fountain]

It's the only building on the block that's still there. Right next door, we realize, is what's left of their father and son business. I'm looking at the old Google Maps. It says Shakur Realty and Finance.

[Sarah Gonzalez]

Oh, this is Shakur Realty?

[Nick Fountain]

Well.

[Sarah Gonzalez]

Yeah. Leveled. It's just a pile of metal and ash and who knows what. It's hard to tell. And this is what thousands of people are going to come back to when they are allowed back in. And honestly, it is hard to imagine that people will want to live here anytime soon because the things that make a neighborhood a neighborhood aren't here. The bank, the post office, schools, park, parks, the vegan restaurant, the gas station. They do not exist.

[Nick Fountain]

Some people will want to rebuild. But how do you even rebuild at this scale when there's this much destruction, that is after the break.

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[Sarah Gonzalez]

When a community burns to the ground, when all of the homes, all of the buildings, all of the infrastructure is completely destroyed, it's hard to know where to even.

[Nick Fountain]

Begin before anyone starts to rebuild. They need money to rebuild and before that they need to make sure it's safe to rebuild. Like it's not even safe to walk around the burned out areas, let alone try to restart your life. There's asbestos, burned plastic, lead, arsenic. It is toxic.

[Sarah Gonzalez]

The cleanup alone is an enormous undertaking. Hazmat teams from the us, epa, from FEMA have to remove all the toxic stuff and the explosive stuff like propane tanks, car batteries. They have to remove the car batteries out of cars that were left in the burn zone. This is the most complex part of the process. And then once that's done, then you start to remove the structural debris, basically everything left from the thousands of structures and cars burned down. We are talking truckloads and Truckloads and truckloads of debris being removed and trucked off in a city where there is always, always traffic. And then at some point, you test the soil, make sure it's safe to even build on.

[Nick Fountain]

Okay, so that's the cleanup. But to rebuild, people need money. Which brings us to insurance insurance.

[Sarah Gonzalez]

Now, the larger, very complex issue here is whether the private market will even want to insure homes in California at all anymore because of the fire threats and whether the state is going to have to intervene even more in home insurance than it already does.

[Nick Fountain]

And obviously, some people affected by the fires didn't have insurance or didn't have enough insurance. But for those fortunate enough to have coverage, here's how getting paid out might work. When Aaron and many others lost their homes to the fires, they got money from their insurance company right away to cover hotels, motels, rent, whatever, for a couple of months. But that's just the small check, right?

[Sarah Gonzalez]

Yeah, yeah, the big checks, the checks that say, okay, here, rebuild with this. They don't come until after the insurance company decides how much money it will take to replace your home and all your possessions.

[Nick Fountain]

Except how do you figure that out when there's nothing left standing? Well, there are people whose job that is insurance adjusters, and they tend to get around. What disasters have you worked?

[Leland Kunz]

Hurricane Katrina, Hurricane Ike, Hurricane Sandy, Hurricane Irma, the Christchurch, New Zealand earthquake, Hurricane Odile. I'm trying to remember all the hurricanes. There's a lot of them.

[Sarah Gonzalez]

This is Leland Kunz.

[Leland Kunz]

And then that's not counting all the California disasters.

[Sarah Gonzalez]

Leland has been an insurance adjuster for something like 20 years.

[Nick Fountain]

So I just met this guy Aaron. He lost his house, he lost his business. Say you walk into his house as an insurance adjuster. As an insurance adjuster.

[Leland Kunz]

Working for the insurance company.

[Nick Fountain]

Working for the insurance company. If it's totally destroyed, what do you do?

[Leland Kunz]

Okay, you need to try to create an estimate most of the time. So how do you write an estimate when it's burned to the ground? Well, for one thing, the concrete foundation is still there.

[Nick Fountain]

So Leland will measure the foundation, and then like a detective, he'll start sorting through the rubble, looking for signs of the life that used to be there. So he can put a price tag on it.

[Leland Kunz]

There's always clues in the debris. And after a while, like I've looked at debris and ashes for so long, I can look at some little wires and say, well, that's a hairdryer.

[Nick Fountain]

But with a fire this devastating, there's only so much you can find. So adjusters ask homeowners to come up with a list of every single thing that was in their house. Every chair, every fork, every family heirloom. If they have receipts, better extra helpful.

[Leland Kunz]

Photos from birthdays and parties. When grandma came from Kansas City for Thanksgiving, she took some pictures of the kids. And yeah, it's a picture of the kid, but the sink is in the background.

[Sarah Gonzalez]

And then with all of this, adjusters will start to add up the value of everything that was in the house element by element in this special estimating software. You put in the toilets, the countertops, the tiles in the shower, and then the software adds up all the materials, multiplies them by the average cost of those materials, adjusts it for the local labor market, and comes up with an estimate for how much it will cost to replace the the homeowner's house and possessions.

[Nick Fountain]

But Leland says the insurance companies are not all that incentivized to get into the nitty gritty details. He says when he worked for the insurance companies, the system incentivized him to clear cases as soon as possible.

[Leland Kunz]

Imagine if you're an executive insurance company. Do you have a big financial incentive to train the adjusters on how to do a sliding glass door correctly and add all the line items a little bit? Maybe they want to be professional sometimes, but it's not like a main driver of. Of their business.

[Sarah Gonzalez]

If you're sensing a little skepticism towards the insurance industry from Leland, here's why. Leland doesn't work for an insurance company anymore. He used to, but now he's what's called a public adjuster. He's essentially a hired gun. If an adjuster from an insurance company comes back with an estimate that is way lower than what a homeowner thinks it should be, then they can hire someone like Leland to give a second opinion.

[Nick Fountain]

Yeah, like the company's adjuster might just calculate the cost of retiling a shower. But Leland says that if you mark down that the shower's tiles were installed diagonally rather than straight, you get a bigger check from the insurance company.

[Leland Kunz]

There's a lot of money in the details.

[Nick Fountain]

Yeah, these details are how you get to a higher estimate. By the way, public adjusters are paid a percentage of your payout, usually 10% of your new settlement, though it can be much higher, up to like, 30%. And that is the incentive for Leland to fight with insurance companies over every single line item.

[Sarah Gonzalez]

And if this seems like a weird way for people to get what they're owed from insurance companies. Yes, something seems funky here.

[Nick Fountain]

Is It a good system?

[Leland Kunz]

No, very dysfunctional system. The things I'm describing to you, the neurotic level of detail, the mistrust on both sides, the average person can't figure it out and they get taken advantage of. I can come in and I'll be honest, I can make really good money by doing my part in this very dysfunctional system. I make my money off the dysfunctionality.

[Nick Fountain]

Now, public adjusters are not the most well liked people around the industry. They can have a sketchy reputation, kind of like personal injury lawyers circling the scene of a disaster. Officials in California have been warning fire victims to watch out for shady public adjusters. They note that sometimes a homeowner can be left with less money to rebuild than if they hadn't hired the public adjuster at all because of that big commission they have to pay the adjuster. But for homeowners who are unhappy with an insurance company's estimate, sometimes public adjusters make sense. We did reach out to insurance industry trade groups. In a statement, the president of the national association of Mutual Insurance Companies rejected that idea that insurance companies prioritize speed over accuracy, saying, quote, california requires insurers to handle claims timely as well as diligently. Public adjusters have no greater motivation for accuracy than anyone else. So, yeah, that's the insurance side, or two sides of the insurance side.

[Sarah Gonzalez]

Yeah, the next phase would be construction, but we're not even really going to get into the construction side of things because that is still months away. But just think about all the moving pieces there, right? Like, getting a single house built can feel like an absolute miracle. Putting up 15,000 new homes and businesses, structures. At the same time. People are going to need contractors, building plans from architects are going to need engineers to sign off on everything. Plumbers, electricians, carpenters.

[Nick Fountain]

Yeah, the permitting process alone is going to be a lot. There's also traffic getting all the construction trucks in and out of all these neighborhoods. Plus there are already shortages of labor. There are already supply chain issues for building materials. One construction manager told us those could get even worse if President Trump follows through on his promises of raising tariffs and starting mass deportations. The construction industry is very dependent on workers without legal immigration status.

[Sarah Gonzalez]

It could be years and years before these neighborhoods are really neighborhoods again. And there's no guarantee that what comes next will capture any of what made Altadena special in the first place. The craftsman style homes, the 80 year old hardware store, the diner. The diner with my 3 year old's favorite shrimp and grits.

[Nick Fountain]

Residents are now being let back in to see for themselves where things stand, including Aaron and Jihad.

[Sarah Gonzalez]

It's been two weeks since the fire started. The last time Jihad was here, he watched his business burn to the ground. And today he's gonna go back to look at it. There's a new checkpoint now further into the burn zone. And that's where we meet up.

[Jihad Abdoushakor]

Yeah, this is. Wow. I haven't seen the back of all this yet. This is something else.

[Nick Fountain]

Jod's business, or what's left of it, is a block away.

[Sarah Gonzalez]

Are you gonna drive in?

[Jihad Abdoushakor]

Yeah, I'm driving.

[Sarah Gonzalez]

Okay.

[Jihad Abdoushakor]

Okay.

[Sarah Gonzalez]

He may try to see his childhood home, too, if his dad is up for it. I don't want to encroach on that moment for you or your dad, so I feel like I should just let you guys go here and.

[Jihad Abdoushakor]

Okay. Thank you. I appreciate it.

[Sarah Gonzalez]

Yeah. Okay. Good luck. Jihad. Yeah. He gets in his car, drives off through the checkpoint. He's past the National Guards. Okay. He's in. This is. This is the. The start of the whole process for him and his dad.

[Nick Fountain]

If you are looking for more reporting on the California fires, we have some in newsletter form. Greg Wazowski, who writes our amazing newsletter, talked to an economist about how she would fix the state's broken home insurance market and why research suggests that big fires actually increase home values. The latest edition of the Planet Money newsletter has that story and our NPR subscribers. Thank you. If you are, one can listen into Greg's interview on our next bonus episode.

[Sarah Gonzalez]

This episode of Planet Money was produced by James Sneed. It was edited by Keith Romer, fact checked by Sierra Juarez, and engineered by Neil Tovalt, with help from Gilly Moon. Alex Goldmark is Planet Money's executive producer.

[Nick Fountain]

We talked to so many people for this story, but we want to especially thank Jodi Mendelsohn, Jacob Ophir, John Sisson, and Kate Christensen.

[Sarah Gonzalez]

Thanks also to Andrea Diamond.

[Nick Fountain]

I'm Nick Fountain.

[Sarah Gonzalez]

And I'm Sarah Gonzalez. This is npr. Thanks for listening.

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