What Happens After You File a Wildfire Claim

Apr 30

2 min read

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Wildfires can destroy homes and entire communities in hours. If you’ve been affected and filed a claim with your insurance company, here’s what happens next in California, step by step.

1. Claim Acknowledgment

After you file your claim, your insurance company has 15 days to acknowledge it and send you any necessary paperwork (like a Proof of Loss form).

2. Inspection and Investigation

A claims adjuster will visit your property to inspect the damage and evaluate your losses. Be prepared to:

Walk them through the damage
Share any photos or videos of your home before and after
Provide lists or receipts of lost items

This investigation is essential for getting your claim paid accurately.

3. Temporary Housing Assistance

If your policy includes Additional Living Expenses (ALE) coverage, your insurer must help with housing, food, and other basics.

California law requires insurers to offer at least four months of ALE payments upfront if your home is unlivable.

Tip: Keep every receipt, meals, hotels, clothes, pet boarding, etc. So you can be reimbursed.

4. Receiving a Settlement Offer

Your insurance company must accept or deny your claim within 40 days of receiving all required documentation.

If approved, the settlement will typically include:

Payment to repair or rebuild your home
Reimbursement for personal belongings
Ongoing living expenses if you're displaced

Fast Track Payment for Personal Belongings

You’re entitled to at least 25% of your personal property coverage upfront—even without a detailed inventory.

5. Rebuilding or Buying Elsewhere

You have options:

Rebuild on your existing lot
Rebuild somewhere else
Use your insurance money to buy a new home

California law ensures your replacement cost coverage can be used wherever you choose to live. Insurers must also give you at least 36 months to rebuild. More time may be granted after declared disasters.

6. If There’s a Dispute

Not satisfied with the payout or facing delays? You can:

Ask your insurer for a written explanation
File a complaint with the California Department of Insurance
Consider hiring a public adjuster or insurance attorney

The state enforces strict regulations to protect homeowners from unfair claim practices.

Final Thoughts

Wildfire recovery is stressful—but California law is designed to help you get through it. Stay organized, know your rights, and don’t be afraid to ask for help.