Updated on January 23, 2025
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.
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.
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.
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.
California homeowners and businesses typically have coverage for:
Review your policy carefully to ensure you receive the maximum payout under each category.
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.
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.
List all personal or business items damaged or destroyed in the wildfire. Include:
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.
If your insurer undervalues or denies your claim, consider hiring a public adjuster or an insurance dispute attorney to negotiate on your behalf.
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.
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.
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.
California law provides strong consumer protections, including:
Understanding these rights can prevent unfair claim denials.
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.
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.
Insurance companies may delay or complicate claims. Keep detailed records of:
This documentation is invaluable if a dispute arises.
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.
Ventura County - San Bernardino County - San Diego County - Bakersfield Kern County - Orange County - San Luis Obispo County - Riverside County - The Rest of California