California Fires Legal Resources for Those Affected

While insurance is meant to provide peace of mind in times like these, many policyholders find themselves in frustrating disputes over payouts, delays, and denied claims. This guide is designed to help you advocate for yourself and prepare for what may be a prolonged claims process.

1. Contact Your Insurance Company Immediately

As soon as it is safe to do so, notify your insurance provider of your loss. Whether your home sustained partial damage or was completely destroyed, starting the claims process early is essential.

• Call your insurer’s 24-hour claims number or file a claim through their website.
• Take note of your claim number and the name and contact information for the claims adjuster assigned to your case.

If you’re unsure how to contact your insurer, the California Department of Insurance (CDI) can help. Call 1-800-927-4357 (HELP) or visit the consumer assistance portal.

Important Note on Adjusters

Insurance adjusters represent the interests of the insurance company—not you. Think of them as opposing counsel in a negotiation. Be respectful, but recognize that their goal may be to minimize payouts.

2. Document All Losses Thoroughly

Photos and Videos

Take clear, high-resolution photos and videos of every part of your damaged property—both inside and out. If anything remains of your home, record its condition thoroughly.

If possible, gather “before” photos of your home and belongings to help demonstrate the full extent of your loss.

Inventory of Damaged or Destroyed Items

Create a detailed inventory that includes:

• Item name and description
• Brand/model (if applicable)
• Date of purchase and original cost
• Receipts, serial numbers, or warranties (if available)

Be prepared to provide exhaustive detail—insurance companies may challenge the value or even the existence of your belongings. It’s not uncommon for claimants to be asked to list everything from kitchen utensils to clothing by quantity and purchase history.

For tools and templates, visit United Policyholders – Home Inventory Help.

3. Verify the Adjuster’s Identity

After natural disasters, fraudulent actors may pose as insurance personnel.

• Ask your insurer to confirm the name of the adjuster assigned to your case.
• When the adjuster arrives, request official identification before allowing access to your property.

4. Be Present for the Adjuster’s Visit

Whether the inspection is conducted in person or virtually, be present to walk the adjuster through the damage. This ensures nothing is overlooked.

• Point out hidden or less obvious damage.
• Show them your inventory, receipts, and photos.
• Ask for written confirmation of their findings and recommendations.

5. Keep a Detailed Paper Trail

Communication Log

Maintain a written log of all communication with your insurer, including:

• Dates and times of calls or meetings
• Names of representatives spoken to
• A summary of what was discussed or agreed upon

Whenever possible, communicate in writing—via email or certified mail. This can be crucial evidence in the event of a dispute or a bad faith claim.

Document Copies

Retain copies of every document you submit, including your inventory list, repair estimates, receipts, and photos.

6. Track Temporary Living Expenses

If you were forced to evacuate or your home is uninhabitable, your policy may include Additional Living Expenses (ALE) coverage.

This can help reimburse you for:

• Hotel stays or temporary rentals
• Meals
• Transportation
• Essential purchases (clothing, toiletries)

What to Do

• Check your policy for ALE coverage limits (both dollar amount and time period).
• Save all receipts and submit them as you go.
• If you’re unsure, ask your adjuster how to submit ALE expenses for reimbursement.

7. Don’t Start Repairs Without Written Approval

If your adjuster recommends starting repairs, request that guidance in writing before proceeding. Without documentation, you may later be denied reimbursement for repairs.

• Confirm which repairs are covered.
• Clarify whether emergency repairs (like securing the property) require advance approval.

8. Understand What Your Policy Covers

It’s essential to read and understand your insurance policy in full—including any endorsements, exclusions, and limits. This will help manage expectations and avoid surprises later in the process.

• Look for specific wildfire-related clauses.
• Understand how personal property, dwelling, and ALE coverage limits are applied.
• If you don’t have a copy, request one from your insurer or access your policy via your online customer portal.

9. Consider Hiring a Public Adjuster

If you’re feeling overwhelmed, or if your insurer is not offering what you believe is a fair settlement, consider working with a licensed public adjuster.

A public adjuster works on your behalf, not the insurer’s, to:

• Evaluate losses independently
• Help you file a detailed and optimized claim
• Negotiate with your insurance company for a better outcome

Most public adjusters charge a percentage of your final settlement. To find one, visit the CDI’s public adjuster license search.

10. Be Prepared to Escalate

If your claim is unfairly delayed, underpaid, or denied, you may need to file a complaint or pursue legal action.

Steps You Can Take:

• File a consumer complaint with the California Department of Insurance.
• Keep a meticulous record of all communication and documents.
• Consider consulting an attorney to explore a potential bad faith insurance lawsuit if necessary.

Final Thoughts

Losing your home is traumatic—but dealing with the insurance aftermath shouldn’t be a second disaster. By taking organized, proactive steps, you’ll be better positioned to recover your losses and rebuild.

No one should have to fight alone. Whether you’re managing your own claim or supporting a loved one or client, don’t hesitate to lean on professionals, public adjusters, and legal resources for support.

For additional guidance, visit:

• United Policyholders
• California Department of Insurance