. >> reporter: virtually everything robert covarrubias owned has settled in the heaps of ash. >> that'samerican dream had four bedrooms, four baths, 2400 square feet. >> from 3 miles, we could see the flames coming our way. >> reporter: they eaton fire swept through their neighborhood. >> it's going to be hard to recover everything the loss. >> reporter: covarrubias and i.t. executive hopes traslavina can help. an independent insurance investor fire victims hired to negotiate with insurance companies. we listened as traslavina delivered bad news. >> you or underinsured when it comes to the policy. and there's clearly not going to be enough to make you whole again. >> reporter: that's true even though covarrubias' homeowners policy covers more than $1 million in losses. >> based off of your numbers is anywhere between 500 and a million dollars short. >> reporter: he staring at a second disaster, a financial one. >> reporter: what are you going to do? >> i don't know yet. >> reporter: traslavina drove us through scarred and scared neighborhoods. scared wondering how they will ever afford

. >> reporter: that's where robert covarrubias now finds himself.ow compete with a million dollars in uninsured losses. are you determined to rebuild? >> yeah. >> reporter: here? >> yeah. the property is worth it. the place is worth it. >> reporter: it's an assurance to his family. his insurance makes that more . >>> around the world, people paused monday to remember the six million jews who died in the holocaust. 80 years ago, the nazi concentration camp of auschwitz b birkenau was liberated. cbs news shares the story of a 94 holocaust survivor in st. louis who formed an unlikely friendship with a nazi descendant. we must warn the story contains images difficult to watch. >> reporter: on a wednesday day in st. louis, holocaust survivor oscar jacob enjoys life's simple pleasures. >> i did it! >> reporter: it's a far cry from his youth in romania, where in 1944, jews were rounded up and sent to auschwitz. 13 at the time, oscar survived by claiming to be older. he was put to work while 41 family members were put to death. >> and i wanted to say gun to