THG - Three Homeless Guys Podcast

SummaryIn this episode of Three Homeless Guys, host Joel Pollak, along with Joy Chen from the Eaton Fire Survivors Network, discusses the ongoing rebuilding efforts following the Palisades fire. They delve into the struggles with insurance claims, the community's resilience, and the need for accountability from state officials. Joy shares updates on the investigation into insurance misconduct and the push for new leadership in the insurance sector. The conversation also touches on the mental health challenges faced by survivors and the importance of community support as they navigate the complexities of recovery and rebuilding their lives.TakeawaysThe Eaton Fire Survivors Network has over 8,200 members advocating for insurance accountability.Evidence of insurer misconduct has led to a major investigation by Los Angeles County.Community collaboration has resulted in some survivors receiving overdue insurance payouts.Rebuilding efforts are underway, with signs of progress in the Palisades area.The state insurance commissioner has been criticized for failing to enforce consumer protection laws.Calls for new leadership in the insurance sector are growing among fire survivors.Mental health support is crucial for survivors facing emotional challenges post-fire.Financial challenges, including mortgage forbearance, are impacting survivors' recovery.The insurance system needs reform to ensure timely payouts and consumer protections.The journey home is a central theme for survivors as they rebuild their lives.

Chapters00:00 Introduction and Overview of the Palisades Fire03:51 LA County's One-Stop Shop for Permitting06:42 State Farm Investigation and Community Response09:47 Joel's Experience in Gaza21:45 Comparative Reflections on Rebuilding Efforts28:29 Senate Hearing on the Palisades Fire36:24 Community Collaboration and Future Outlook46:56 220 3 homeless guys outro.wav

In this episode of Three Homeless Guys, Joel Pollack discusses his new role at the California Post and the importance of having a statewide media voice in California. The conversation covers the challenges faced by communities in the aftermath of the Palisades fire, including issues with insurance and the need for accountability from local leaders. The hosts reflect on the power of media to connect communities and advocate for change, emphasizing the importance of providing a platform for diverse voices and solutions that work for the community. Takeaways Joel Pollack introduces his new role at the California Post. The California Post aims to provide a statewide voice for California. There is a significant need for media coverage of local issues post-fire. Community connections are vital for rebuilding efforts. Insurance challenges are a major hurdle for fire victims. The LAPD's after-action report highlights failures in emergency response. Media can play a crucial role in advocating for accountability. The podcast has helped connect communities for support and resources. The importance of keeping records for insurance claims is emphasized. The conversation stresses the need for effective leadership in rebuilding efforts.

Chapters00:00 Introduction and Personal Updates04:47 Navigating Insurance Claims with State Farm07:39 Progress in Rebuilding Efforts12:46 City of Los Angeles and Permit Challenges16:36 Community Engagement and Leadership Issues21:50 Legislative Changes and Their Impact26:34 Conclusion and Future Outlook30:12 Introduction to the Palisades Fire and Legal Context31:16 Trey Robertson's Role and Responsibilities33:18 State Accountability and Fire Management Issues37:29 Overview of Lawsuits and Defendants41:36 Individual Claims and Damages Explained44:26 Impact of Previous Cases on Current Litigation46:27 Timeline Expectations for Resolution49:39 Community Involvement and Political Pressure52:18 Firefighter Decisions and Accountability56:29 Conclusion and Future Considerations58:53 The Emergence of the Palisades Fire Videos59:56 Investigating the Fire's Origin and Responsibility01:01:20 The Role of Public Agencies in Fire Management01:04:23 Political Implications and Accountability01:06:05 The Impact on Victims and Community Trauma01:08:01 Legal Considerations and Deadlines for Claims01:09:56 Potential Liability of Uber and Other Entities01:11:07 Navigating Governmental Immunity in Lawsuits01:12:23 Community Activism and Political Pressure01:18:45 Comparing the Palisades Fire to Other Wildfire Cases01:23:46 220 3 homeless guys outro.wav

In this episode of 'Three Homeless Guys', host Joel Pollak discusses the aftermath of the Palisades fire with Steve Hilton, a Republican candidate for governor of California. They explore the implications of the arson arrest related to the fire, the failures of government response, and the broader issues of accountability and ideological extremism in California's fire management policies. Hilton shares his vision for rebuilding efforts and the challenges posed by partisanship and gerrymandering in the state. The conversation emphasizes the need for effective governance and practical solutions to address the ongoing issues faced by Californians.takeawaysSteve Hilton emphasizes the need for effective governance in California.The Palisades fire highlights failures in fire management and response.Accountability for government officials is crucial in disaster recovery.Ideological extremism impacts practical solutions for wildfire management.Rebuilding efforts are hindered by bureaucratic inefficiencies.Partisanship complicates the political landscape in California.Gerrymandering poses a threat to fair representation in elections.Coordination between government agencies is essential for effective disaster response.Hilton advocates for hiring competent individuals in government roles.The conversation reflects a desire for practical solutions over ideological debates.

In this episode of 'Three Homeless Guys', Joel Pollak and Ron Goldschmidt discuss the ongoing rebuilding efforts in the aftermath of the Palisades fire, the challenges faced by the community, and the political landscape in California. They are joined by Elizabeth Barcohana, a political activist and attorney, who shares her insights on community resilience, the importance of political engagement, and the impact of leadership on recovery efforts. The conversation also touches on the complexities of bipartisanship, accountability in government, and the future of California politics amidst ongoing challenges.takeawaysMarquez School is reopening with prefabricated classrooms.Community rebuilding efforts are slow but ongoing.Political engagement is crucial for community recovery.Leadership failures have significant impacts on recovery.Bipartisanship is necessary for effective solutions.California's political landscape is heavily influenced by the far left.Voter engagement and education are essential for change.The importance of respecting the Constitution in governance.Grassroots movements are vital for community resilience.California's future depends on addressing its systemic issues.

In this episode, Joel Pollak, Ron Goldschmidt, and Oren Ezra discuss the aftermath of the Palisades fire, the political landscape surrounding the rebuilding efforts, and the legacy of Charlie Kirk. They explore the candidacy of Ben Allen for insurance commissioner, community concerns about local legislation, and the importance of accountability from candidates. The conversation also touches on innovative housing solutions, the public's response to tragedy, and the need for unity in a politically divided society. Ultimately, they emphasize the importance of debate and dialogue in fostering understanding and rebuilding community ties.takeawaysThe Palisades community is politically diverse and engaged.Ben Allen's candidacy for insurance commissioner is significant for local rebuilding efforts.Community members express a desire for candidates who understand their struggles.Legislation like SB 79 raises concerns about local control and development.Innovative housing solutions are emerging in response to the fire's destruction.Charlie Kirk's legacy emphasizes the importance of free speech and debate.Public vigils reflect a collective mourning and a call for unity.Political divisions are deepening, but there is a need for common ground.Debate and dialogue are essential for understanding differing viewpoints.Building a better community requires collaboration and communication.

AI Tools & Tech for Fire Prevention Pano AI – Uses AI + camera towers to detect wildfires in real time and alert fire departments before they spread. GRIDSMART / AI CCTV Integrations – Security cameras upgraded with AI that can detect smoke, flames, or sparks around your property. Dryad Networks – IoT sensors in the forest or brush detect gas and heat changes to spot fires at the smoldering stage. AI-powered Weather + Risk Prediction (e.g., ZestyAI, ClimateAI) – Predicts wildfire risk for a specific address based on vegetation, wind, and slope, helping you harden defensible space and negotiate insurance. WildfireSat + NASA FIRMS (AI-enhanced satellite data) – Uses satellites + machine learning to monitor wildfire activity and send alerts (could be integrated into homeowner apps). AI Smart Sprinkler & Pump Systems (e.g., Frontline Wildfire Defense) – Systems that detect risk (high heat, ember storms) and automatically activate rooftop sprinklers or perimeter water curtains. Drones with AI Fire Mapping (Skydio, DJI Enterprise) – Can autonomously scan property lines for overgrowth, flammable materials, or embers during red flag warnings. AI Smart HVAC/Filtration Systems (like Haven) – Detects smoke intrusions and automatically seals or filters indoor air, protecting health during fire season. AI Home Hardening Apps (startups in beta) – Tools that scan property photos and suggest AI-driven fire hardening steps (roofing, vents, vegetation). Community Fire Network AI (pilot programs in CA/CO) – Shared neighborhood sensor + camera grids feeding into AI dashboards for ultra-early smoke detection.

In this episode of Three Homeless Guys, host Joel Pollak, along with guests Joy Chen, Ron Goldschmidt, and Oren Ezra, discuss the ongoing rebuilding efforts following the Palisades fire. Joy Chen shares her experiences leading the Eaton Fire Survivors Network and highlights the challenges faced by fire survivors, particularly regarding insurance claims and delays. The conversation delves into the collective action taken by survivors, the role of public adjusters, and the need for political accountability. The episode emphasizes the importance of community support and advocacy in navigating the complexities of insurance and recovery.takeawaysCommunity connections are vital for rebuilding efforts.Insurance companies are facing scrutiny for delays and denials.Collective action can empower fire survivors.Public adjusters play a crucial role in navigating claims.Legal frameworks exist to protect policyholders' rights.Political accountability is necessary for effective recovery.Stories from survivors can drive awareness and change.Celebrities can amplify the voices of affected communities.Transparency in insurance practices is essential.The insurance system must be held accountable for its obligations.

In this episode of Three Homeless Guys, host Joel Pollak, along with guests Ron Goldschmidt and Oren Ezra, engage in a deep discussion with Assemblyman Carl DeMaio about the aftermath of the Palisades fire, focusing on the challenges of insurance claims, the impact of gerrymandering on California politics, and the need for effective fire management and rebuilding efforts. DeMaio emphasizes the importance of political activism and community engagement to drive change in California's policies, particularly regarding insurance and fire safety. The conversation highlights the frustrations of residents dealing with bureaucratic hurdles and the urgent need for reform in the state's approach to disaster recovery and insurance regulation.takeawaysInsurance companies are delaying payments for fire victims.Gerrymandering undermines democratic representation in California.Political activism is crucial for reforming insurance policies.California's building regulations are prohibitively expensive.The state government is failing to manage fire risks effectively.Public sentiment is shifting against the current political leadership.Community engagement is essential for driving change.The insurance market in California is in crisis due to mismanagement.Voters are increasingly aware of the need for reform.There is a growing movement to hold politicians accountable.

In this episode, Joel Pollak, Ron Goldschmidt, and Oren Ezra discuss the aftermath of the Palisades fire, focusing on the themes of hope and fear as the community navigates the rebuilding process. They explore the role of local leadership, the impact of politics on recovery efforts, and the challenges posed by insurance companies. The conversation highlights the resilience of the community while addressing the frustrations and obstacles faced in the rebuilding journey.takeawaysThe Palisades community is at a crossroads between hope and fear.Local leadership is crucial for effective rebuilding efforts.Politics can hinder or help the rebuilding process.Insurance companies are delaying payments, complicating recovery.Community members are stepping up to provide emergency services.There is a need for nonpartisan cooperation in local governance.Social media can both encourage and discourage community engagement.The quality of life in the Palisades has drastically changed post-fire.Residents are frustrated with the lack of support from politicians.The community must advocate for their needs to ensure recovery.

In this episode of Three Homeless Guys, the hosts discuss the aftermath of the Palisades fire and the ongoing rebuilding efforts. They share personal experiences with insurance challenges, the impact of the fire on local infrastructure, and the need for new leadership in the community. The conversation explores the possibility of de-annexation from Los Angeles to gain more control over rebuilding efforts and emphasizes the importance of community initiatives in mobilizing support. The timeline for rebuilding remains uncertain, with estimates ranging from two to seven years, highlighting the need for collaboration with experienced builders and developers.The Palisades fire has significantly impacted the community, leading to extensive rebuilding efforts.Insurance companies are causing delays and challenges for homeowners trying to rebuild.Local infrastructure was already in disrepair before the fire, exacerbating the situation.There is a need for new management and leadership to address the ongoing issues in the community.De-annexation from Los Angeles could provide the Palisades with more control over rebuilding efforts.Community initiatives, such as petitions, can help mobilize support for rebuilding efforts.The timeline for rebuilding in the Palisades is uncertain, with estimates ranging from two to seven years.Collaboration with experienced builders and developers is essential for effective rebuilding.The community must advocate for better resources and support from local and federal governments.Engaging with local leaders and organizations can help facilitate the rebuilding process.

In this episode of Three Homeless Guys, the hosts discuss the aftermath of the Palisades fire, focusing on community rebuilding efforts, the impact of SB9 on housing, and the importance of local activism. They explore the challenges faced by residents, including the need for transparency in governance and the distribution of fire aid. The conversation highlights the resilience of the Pacific Palisades community and the ongoing struggle for accountability from local officials.takeawaysThe community is actively involved in rebuilding efforts post-fire.SB9 was intended to increase housing but has unintended consequences.Local activism has been crucial in opposing SB9 and advocating for the community.Transparency in budgeting and governance is essential for rebuilding.The pairing of SB9 and ULA has negatively impacted property values.Community members feel a strong sense of ownership and responsibility for their neighborhood.There is a need for a more effective local leadership to address community concerns.The distribution of fire aid has been criticized for inefficiency and lack of transparency.Residents are concerned about the future of property values in the Palisades.The community is determined to hold leaders accountable for their actions.

In this episode of Three Homeless Guys, host Joel Pollak and guests discuss the ongoing rebuilding efforts in the Pacific Palisades following the devastating fire. State Senator Ben Allen shares insights on the current state of the community, the challenges faced in rebuilding, particularly regarding insurance issues, and the legislative efforts to create a Resilient Rebuilding Authority. The conversation also touches on misinformation, funding for rebuilding, and the importance of community engagement and support. Despite the challenges, there is a sense of optimism about the future and the potential for recovery.TakeawaysThe Palisades community is actively rebuilding after the fire.Insurance issues are a major hurdle for many residents.Legislative efforts are underway to create a Resilient Rebuilding Authority.Misinformation has complicated the rebuilding process.Community support is crucial for recovery efforts.Funding for rebuilding is still a significant concern.The role of AI in journalism can lead to misinformation.There is a need for more transparency in the insurance process.Optimism exists despite the challenges faced by residents.Senator Ben Allen is committed to supporting the community's rebuilding efforts.

In this episode, Joel Pollak, Ron Goldschmidt, and Oren Ezra discuss the ongoing recovery efforts following the Palisades fire, focusing on the complexities surrounding low-income housing, community control, and the proposed Resilient Rebuilding Authority. City Council member Tracy Park emphasizes the importance of community-led recovery, addressing concerns about corporate developers and the need for direct financial assistance for fire victims. The conversation highlights the challenges residents face with insurance claims and the urgency for meaningful community engagement in the rebuilding process.

In this episode, the hosts discuss the ongoing rebuilding efforts following the Palisades fire, reflecting on personal experiences, community resilience, and the political landscape surrounding the recovery process. They express frustration with local leadership and the bureaucratic challenges faced by residents, while also highlighting the strength and determination of the community to rebuild. The conversation touches on the establishment of a new rebuilding authority and the need for accountability in the use of funds allocated for recovery. Ultimately, the hosts convey a sense of mixed emotions about the future of the Palisades and the role of leadership in facilitating or hindering progress.takeawaysThe Palisades fire has had a significant impact on the community, leading to ongoing rebuilding efforts.Personal experiences of the hosts reflect the challenges and frustrations faced by residents in the aftermath of the fire.Community engagement and resilience are crucial in the rebuilding process, with neighbors supporting each other.Political leadership has been criticized for being out of touch with the needs of the community.The establishment of a Resilient Rebuilding Authority raises concerns about bureaucratic control over local rebuilding efforts.There is a strong desire for direct access to funding for rebuilding without government intervention.The hosts express skepticism about the effectiveness of current political leaders in addressing the needs of the community.The conversation highlights the importance of accountability in the use of funds for rebuilding efforts.Community members are actively discussing and planning for the future of their neighborhood.The hosts convey a sense of mixed emotions about the future of the Palisades and the role of leadership in facilitating or hindering progress.

In this episode of Three Homeless Guys, the hosts discuss the ongoing rebuilding efforts following the Palisades fire, the complexities of disaster tourism, and the homelessness crisis in Los Angeles. Special guest Kevin Dalton shares his insights on social commentary, governance issues, and the importance of addressing homelessness through a pragmatic lens. The conversation also touches on the impact of education, cultural shifts, and the future of jobs in an AI-driven economy, emphasizing the need for long-term planning and community responsibility.takeawaysThe Palisades fire has led to significant rebuilding efforts.Disaster tourism raises ethical questions about community respect.Kevin Dalton's journey into social commentary began with homelessness.Homelessness is a complex issue requiring compassionate solutions.Political governance in cities is facing a crisis of effectiveness.Education systems are pushing students towards degrees that may not lead to jobs.Cultural shifts are affecting the work ethic of younger generations.AI is poised to change the job landscape significantly.Long-term planning is essential for addressing societal issues.Community involvement and social responsibility are crucial for rebuilding efforts.

in this episode of Three Homeless Guys, host Joel Pollak, along with guests Ron Goldschmidt and Oren Ezra, discuss the ongoing rebuilding efforts following the Palisades fire. They are joined by CPA Linda Forman, who provides insights into the complex tax implications that homeowners face as they navigate property assessments, rebuilding permits, and potential capital gains taxes when selling their properties. The conversation highlights the importance of community support and professional guidance in addressing these challenges.takeawaysThe Army Corps of Engineers is ahead of schedule in debris removal.Rebuilding permits are still a challenge due to city council approvals.Property tax assessments may not reflect the actual loss of homes.Homeowners can claim casualty losses on their taxes after a fire.Rebuilding may lead to higher property taxes due to improvements.Selling property can result in significant capital gains taxes.Insurance proceeds from losses are not taxable if used for rebuilding.Moving expenses may be deductible under certain conditions.Community support is crucial for navigating tax issues post-fire.Professional help is needed to understand complex tax implications.

In this episode of Three Homeless Guys, the hosts discuss the ongoing war between Israel and Iran, the implications for local communities, and the resilience of the Israeli people. They explore the impact of the conflict on both sides, the debate surrounding U.S. involvement, and the importance of community rebuilding efforts in the Palisades. The conversation highlights the need for strong leadership and the potential for a brighter future in the region.takeawaysThe war between Israel and Iran marks a significant turning point.Local residents are eager for more police enforcement after the removal of checkpoints.The emotional toll of war is profound, especially for families with children.Community rebuilding efforts are crucial in the aftermath of disasters.The debate on U.S. involvement in foreign conflicts is evolving among conservatives.Social media plays a significant role in shaping public opinion on foreign policy.Resilience is a key theme in both Israeli and local community responses to crises.The Iranian regime's actions have far-reaching implications for global security.The potential for a prosperous future in Iran exists if the regime changes.Leadership and preparation are essential for effective crisis management.

In this episode of 'Three Homeless Guys', Joel Pollak, Ron Goldschmidt, and Oren Ezra discuss the aftermath of the Palisades fire and the broader implications for Los Angeles. They reflect on personal experiences, the need for federal support, and the challenges facing the community. The conversation touches on the decline of LA, the importance of leadership and accountability, and the hope for renewal through community engagement and nature's resilience.takeawaysThe Palisades fire has highlighted the need for federal support in rebuilding efforts.Community engagement is crucial for navigating the recovery process.Many residents are questioning whether they would choose to move to LA today.The leadership in California is perceived as failing to address critical issues.Nature is showing signs of recovery, offering hope for the future.There is a growing sentiment of betrayal towards public officials.Financial accountability is essential for effective governance.The importance of making it safe for people to voice their concerns.The upcoming elections present an opportunity for change in leadership.The community must take an active role in shaping its future.