Affected by the Palisades or Eaton fires? Don’t rush your insurance claim — call first
If you’ve been affected by the recent Palisades or Eaton fires, it’s important to take the right steps when dealing with your insurance claim. Filing too soon, or without the right documentation, can result in delays or underpayment. Before you submit your claim, speaking with a professional can help you maximize your benefits and avoid common pitfalls.
Why you should call before filing your Southern California wildfire insurance claim
Filing a fire insurance claim in California can be complex, and mistakes made early on can affect your final settlement. By consulting with an expert before filing, you can better understand what your policy covers and what steps to take to ensure the strongest claim possible. Whether you’re dealing with a total loss or smoke, soot, and structural damage, getting guidance can make all the difference.
What you need to know before filing
Here are key things to consider before submitting your claim:
- Understand your coverage – Policies can vary, and knowing the specifics of your plan can prevent unexpected surprises.
- Documenting fire damage – Proper documentation, including photos, videos, and itemized lists, is crucial in supporting your claim.
- Additional living expenses (ALE) – Your policy may cover temporary housing and other necessary expenses, but understanding how to claim them correctly is key.
- Choosing the right restoration services – Fire damage restoration services near you can help assess the extent of the damage and provide professional evaluations that can support your claim.
How a public adjuster can help
Public adjusters helping with fire damage claims in Southern California can be an invaluable resource. They work on your behalf — not the insurance company — to ensure you receive a fair settlement. Their expertise in wildfire insurance claims can help you navigate the process, from initial documentation to final settlement.
Beware of nonlicensed adjusters and potential risks
Recent changes by the California Department of Insurance allow insurance companies to use nonlicensed adjusters to assist with wildfire claims. These nonlicensed adjusters are intended to expedite the claims process. However, this arrangement is likely to lead to settlement disputes for homeowners.
Before you file your wildfire insurance claim, take a moment to speak with an expert who can guide you through the process. Whether you’re dealing with damages from the Palisades fire, the Eaton fire, or any other wildfire in Southern California, the right advice can help you avoid costly mistakes and get the compensation you deserve.
Don’t go it alone — call today to get the answers you need and protect your claim.
