Wildfire Devastation: A Guide to Navigating the Insurance Process
As the devastating wildfires in Southern California continue to rage on, thousands of residents are left to pick up the pieces and figure out what’s next. With estimated insured losses reaching over $20 billion, it’s essential to understand the insurance process and take immediate action.
File Your Claim ASAP
According to Karl Susman, insurance broker and president of Susman Insurance Services in Los Angeles, “Get your claim filed as quickly as you can. You don’t have to have all of the information on hand.” Insurers will likely take longer to process claims due to the influx of applications, so the sooner you start, the better.
7 Essential Steps for Affected Residents
If your primary residence has been affected by the wildfire, whether you rent or own, follow these seven steps:
- File your insurance claim: Don’t wait for firefighters to completely put out the fire. Even if you’ve already evacuated and are unaware of your home’s status, you can still begin the claims process.
- Document everything: Keep track of your activities, conversations with insurers, and receipts for temporary housing, food, and clothing.
- Check for “loss of use” coverage: This coverage allows you to secure temporary housing or lodging while you’re out of your home.
- Contact your utilities: If your home suffered severe damage or was a total loss, contact your utilities to temporarily shut off service.
- Check your auto insurance: If you lost a vehicle in the fire, your auto insurance policy may cover the damage.
- Apply for property tax reduction: If your home suffered damages or was a total loss, you can file for an application to reduce or eliminate your property tax.
- Seek aid and support: Look out for assistance programs, such as FEMA’s Individuals and Households Program, and local support groups and workshops.
Additional Resources
- California’s Insurance Commission: 1-800-927-4357
- FEMA’s hotline: 1-800-621-3362
- DisasterAssistance.gov: Apply for aid online
- Local charities and nonprofits: Accepting donations and engaging in recovery efforts
Remember, taking immediate action and staying informed will help you navigate the insurance process and get back on your feet.
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