California Wildfire Insurance Claims: 15 Essential Tips for Homeowners and Business Owners

Updated on January 23, 2025

Navigating the Aftermath of Wildfire Loss

Wildfires are a devastating and present reality in California, leaving countless homeowners and business owners facing the emotional toll of loss and the daunting process of filing insurance claims. If you have been affected by a wildfire, you are not alone. The road to recovery can be complex, but understanding your rights and maximizing your insurance claim can help you rebuild with financial security.

At Schorr Law, we specialize in real estate and the recent fire claims necessarily involve a large swatch of real estate across Los Angeles County. Here are 15 essential tips to help you navigate your wildfire insurance claim effectively.

1. Prioritize Safety

Your safety comes first. It is widely known that there are toxins and pollutants in the air following these serious burns. Make sure that you have the right government clearance and safety protection before returning to your property.

2. Notify Your Insurance Company Immediately

The sooner you report the damage, the sooner the claims process can begin. Insurance companies may handle wildfire claims in the order they are received, so prompt notification is crucial.

3. Request a Certified Copy of Your Policy

Ask your insurer for a full, certified copy of your homeowners or business insurance policy. This document outlines your coverage limits, exclusions, and requirements for filing a claim.

4. Understand Your Coverage

California homeowners and businesses typically have coverage for:

• Dwelling replacement for structural damage
• Personal property coverage for belongings lost in the fire
• Additional living expenses (ALE) for temporary housing costs
• Business interruption coverage for lost income and extra expenses

Review your policy carefully to ensure you receive the maximum payout under each category.

5. File a Claim for Temporary Living or Business Expenses

If you are displaced, your policy may cover hotel stays, rental costs, meals, and other necessary expenses under Additional Living Expenses (ALE) coverage. Keep all receipts to ensure reimbursement.

6. Don’t Rush to Settle—Assess All Losses Thoroughly

Insurance companies may offer a quick settlement, but it is often in their best interest to pay out less than you are entitled to. Take the time to accurately assess all losses before accepting any payment.

7. Create a Detailed Inventory of Lost or Damaged Items

List all personal or business items damaged or destroyed in the wildfire. Include:

• Descriptions of items (brand, model, serial number, purchase date)
• Photographs or videos as proof of ownership
• Receipts or estimates of value

If you do not have receipts, provide a reasonable estimate of replacement costs. Review all photos and videos of events at your house to help jog your memory.

8. Work with a Public Adjuster or Attorney if Needed

If your insurer undervalues or denies your claim, consider hiring a public adjuster or an insurance dispute attorney to negotiate on your behalf.

9. Beware of Lowball Estimates from Insurance Adjusters

Insurance companies may use their own adjusters to assess the damage, sometimes underestimating the true cost of repairs. You have the right to get an independent contractor’s estimate for a more accurate valuation.

10. Mitigate Further Damage

Most policies require you to take reasonable steps to prevent additional losses. Most of these fires are a total loss but if there is something that you can do to make your damages less without endangering yourself consider your options.

Document these efforts, as expenses for mitigation may also be reimbursed.

11. Be Aware of Deadlines for Filing and Appeals

California has specific time limits for filing claims and appealing denials. Delays can jeopardize your ability to recover full compensation. Check your policy and consult with an attorney if needed.

12. Know Your Rights Under California Law

California law provides strong consumer protections, including:

• The right to a fair claims process
• Coverage for smoke, soot, and ash damage
• Extended policy benefits for rebuilding in a declared disaster zone

Understanding these rights can prevent unfair claim denials.

13. Don’t Sign Away Your Rights Without Legal Advice

If your insurer offers a cash settlement, read the fine print carefully. Signing may waive your right to additional compensation for hidden or delayed damages. Consult a legal expert before accepting.

14. Consider Hiring a Legal Expert for Complex Claims

If your claim involves disputed coverage, underpayment, or bad faith insurance practices, an attorney experienced in wildfire insurance claims can fight for the compensation you deserve.

15. Stay Persistent and Keep Records of All Communications

Insurance companies may delay or complicate claims. Keep detailed records of:

• Phone calls and emails
• Names of representatives you speak with
• All documents submitted and received

This documentation is invaluable if a dispute arises.

Need Help with Your Wildfire Insurance Claim?

Recovering from a wildfire is overwhelming, but you don’t have to navigate the insurance claim process alone. If you’re facing delayed, denied, or underpaid claims, Schorr Law can help you fight for the compensation you’re entitled to.

Our experienced real estate and insurance dispute attorneys are here to advocate for your rights and help you rebuild with confidence. Call Schorr Law today at 310-954-1877. To schedule a consultation click here.