1. Financial
1.1. Rent while rebuilding
1.1.1. Paid through borrowing
1.1.2. Leaving debt for those who've rebuilt
1.2. Large tax bill
1.2.1. Unanticipated
1.2.2. Taxable interest on insurance payout
1.2.3. Put off doing return
1.2.3.1. Centrelink benefits cut off
1.3. Uninsured rebuilding costs
1.3.1. Building to new regulations
1.3.1.1. Esp BAL40 and Fz areas
1.3.1.2. Underground power
1.3.1.3. Waste treatment
1.3.2. Labour costs
1.3.2.1. Shortage of reputable builders
1.4. Travel between homes
1.5. Income Issues
1.5.1. Starting a business
1.5.2. Maintaining a business
1.5.3. Obtaining a job
1.5.4. Maintaining a job
2. Regulations
2.1. Neighbours with different BALs
2.1.1. Inconsistent
2.1.2. Confusion
2.1.3. Tension
2.2. Zoning Issues?
3. New node
4. Project Management
4.1. Difficult due to competing demands
4.1.1. Life's daily challenges
4.1.2. Stresses
4.1.3. Distractions and rabbit holes
4.2. For those not using design and build company
4.2.1. Creates further complications
4.2.2. Can't afford to engage design and build company
4.2.3. Esp owner builders
4.3. Need assistance through major design and decision making
4.3.1. Need brokerage support
4.3.2. Onsite
4.3.3. Project management skills
4.3.4. Support negotiating a builder
4.3.5. Similar to Rebuilding Advisory Service
5. Temp Accom
5.1. Non-compliant by March 2012
5.1.1. Not incentive to build faster
5.1.2. Creates pressure and stress
5.2. Many new homes will not be completed by March 2012
6. Wellness Vouchers
6.1. Need extension to December
6.1.1. Practitioners in high demand
6.1.2. Securing local appointments difficult
6.2. Available Feb-Aug 2011
6.3. Up to 4 vouchers each
6.4. $50 per voucher
6.5. redeemable with providers having a private health insurance provider number
7. Current Brokerage Services
7.1. Rebuilding Advisory Service (RAS)
7.1.1. DPCD - Bushfire
7.1.2. to December 2011
7.2. Bushfire Housing Services
7.2.1. Office of Housing (DHS) clients only
7.2.2. to March 2012
7.3. Bushfire Community Support Worker
7.3.1. DHS funded
7.3.2. Nillumbik Community Health delivered
7.3.3. to December 2011
7.4. No brokerage funds currently available
7.4.1. Just referral and advice
7.4.2. No micro-finance available either
7.5. Fragmented
7.5.1. No universal intake system
7.5.2. No universal monitoring system
8. Cost of new home
8.1. Kinglake display home
8.1.1. template design
8.1.2. 3BR
8.1.3. BAL40 FZ compliant
8.1.4. $155,000
9. Reconstruction Status
9.1. 125 Nillumbik houses destroyed
9.2. about 20% rebuilt or under construction
9.3. some intending to rebuild
9.4. some will not rebuild or haven't decided
9.5. some have or will sell pre or post construction
9.6. Reconstruction not just homes
9.6.1. fences
9.6.2. land management