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For the next quarter-century, Nye said she “poured her heart into preserving her home, making sure every detail was tended to.” The meticulous care she took was “a labor of love, not just for the property but for her memories and aspirations“ and part of that commitment included “safeguarding her home with comprehensive insurance coverage, believing she had secured top-tier protection
During these twenty-five years, insurance policy documents support Nye’s explanation that her annually renewed homeowners policy reflected home content, dwelling improvements and rising property values. By 2025, her once-modest $310,000 home had appreciated in value to between $1.3 and $1.5 million. Nye says, she “had faith that the insurance policy I had meticulously renewed over the years would protect me should disaster strike.”
Also destroyed was Nye's lifetime work, including educational materials, production and broadcast equipment vital to her Operation Scrubs, Inc. nonprofit, which provides tuition-free, accredited continuing education for nurses, Pamela Jane Nye Working Nurse Scholarships, and global positive nurse image advocacy honoring the world's 27+ million unsung hero nurses.
Beyond the personal loss of irreplaceable memories and possessions, Nye says she now faces a prolonged battle with her Insurance provider to receive the compensation identified within her comprehensive 38-page policy.
Identifying initial assurances from her insurance agent, Nye says, "The printing and images on the first eight pages , page three for example, of my insurance policy touts coverage for my dwelling value, personal property, loss of use, and additional benefits, yet my claim was stalled for ten weeks before I was told that my insurance policy does not cover my loss and my case claim was closed."
“I’ve been a loyal insurace customer for 25 years, "Nye explains, emphasizing, "and I'm paying over $4,000 a year, which is top dollar for the coverage policy is supposed to provide. And another concern," Nye adds, "is why it's taken ten weeks to get any indication of what the delay is, that's adding to my already overwhelming stress?"
Nye's situation has already drawn widespread attention, including a featured interview on PBS NewsHour that highlights Nye’s plight, which has led to additional interview interest from local and national television, radio, and print media outlets. Nurse organizations have also contacted Nye about attending their meetings to share her experiences with the Palisades wildfire.
Nye said she's seeking a meeting with Insurance company's CEO s and want to make sure she's exhausted all communication, and then decide how best to proceed. Nye. I hate to fight. But what I hate more is losing, which, in this case, is fighting for my forever home and a lifetime of acquired content and irreplaceable memories."
Until then, Nye's other timely concern is maintaining FEMA-approved residence at the LAX North Embassy Suites Hotel, which is currently scheduled to end on April 11th.
Chuck Foster
WCNI NEWS SERVICE
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