Wildfire Recovery: Insurance Claims & Housing Assistance

Amid Los Angeles Wildfires: The Current Crisis

Amid the devastating wildfires in Los Angeles, thousands of residents are grappling with the loss of over 12,000 structures and cherished memories. This follows a pattern of major natural disasters, such as Hurricanes Milton and Helene, and the Maui wildfires. According to Bankrate’s 2023 survey, 57% of U.S. adults have faced costs due to extreme weather. In the aftermath, filing insurance claims and applying for assistance can be a complex and overwhelming task, especially since fewer than half of homeowners have prepared personal inventories. Additionally, California faces an insurance crisis, with many residents in fire-prone areas having policies dropped. The state offers the FAIR plan for high-risk properties, and new reforms could bring insurers like State Farm back to these areas.

Step 1: Filing Your Insurance Claim

The first step is calling your insurance company. After local authorities deem it safe to return home following a disaster, start by assessing the damage and contacting your insurance company to initiate a claim.

• Take photos and videos of the damage, and be sure not to discard any damaged items or make repairs until an insurance adjuster has assessed the situation.
• Delays may occur due to ongoing disaster conditions or the extent of the damage. Fires, for instance, may still be ongoing, making it unsafe for adjusters to access affected areas.
• Once an adjuster assesses the damage, they will determine the payout, but you may be entitled to more than the initial settlement offer.

Insurance companies may provide emergency response services to help secure your property. Be sure to get a claim number for easy tracking. Keep detailed notes of all conversations and send follow-up emails to document progress.

In California, smoke and fire damage is typically covered by standard homeowner and renter’s insurance policies. The state requires insurers to provide immediate payments for belongings and, if completely displaced, cover additional living expenses. Keep receipts for expenses like lodging, car rentals, and furniture rental for reimbursement. Note that some types of damage, like flooding, may be excluded, so check your coverage. The National Association of Insurance Commissioners offers a step-by-step guide to help navigate the claims process effectively.

Note: Residents without insurance can access aid through the Federal Emergency Management Agency or state assistance programs.

Step 2: Finding Somewhere to Live

After a disaster, it’s crucial to find immediate shelter, and there are several resources available. DisasterAssistance.gov has an emergency shelter page with housing options to help you find temporary shelter. The California Office of Emergency Services also provides a list of available shelters in your area. For further disaster assistance programs and housing and rental assistance information, visit a Disaster Recovery Center (DRC).

To find one near you, simply enter your address into FEMA’s DRC locator. These centers offer a wealth of resources for displaced individuals, including guidance on applying for housing assistance, and can provide helpful tips for your recovery. Act quickly to secure shelter, as resources may be limited, and the recovery process can take time.

Frequently Asked Questions

What should I do immediately after a wildfire?

Ensure your safety, document all damages, and contact your insurance provider to start the claims process.

What if I don’t have insurance?

FEMA and state assistance programs offer resources for uninsured residents to secure temporary housing and financial support.

Does insurance cover wildfire damage?

Yes, standard policies in California typically cover fire and smoke damage, along with living expenses for displacement.

How can VRRestoration help?

We provide professional disaster recovery services, helping you navigate insurance claims and restore your property efficiently. Call us today!