Review your homeowners or renters insurance policy carefully, including your limits.
Start documenting and creating a paper trail to support your claims process.
Overwhelmed?California residents can find resources and a help hotline forfiling a wildfire insurance claim here.
Read more:LA County Fires: FEMA Assistance Is Now Available.
Here’s what homeowners can do in the aftermath of a partial or total loss due to wildfire.
When planning for the long term, see to it to factor in your deductible.
Insurance companies are required to provide this information to you upon request.
Most policies also offer liability protection and coverage for additional living expenses (ALE).
Step 7: Don’t accept an unfair offer
Working with your claims adjuster is anegotiation process.
“Often homeowners are on the defensive or don’t ask enough questions of the claim adjuster.
If you don’t get answers, ask for a supervisor,” said Ruiz.
California Insurance Commissioner Ricardo Lara issued amandatory one-year moratoriumon insurance nonrenewals and cancellations.
California homeowners and others impacted by the Los Angeles firescan file for FEMA assistance here.
Some lenders may be willing to defer payments for three months up to a year pending an insurance payout.
