How to File a Fire Insurance Claim in California

To those of you affected by the current Los Angeles fires, our heart goes out to you. We know words can’t rebuild what you’ve lost, but our firm hopes this guide can offer a little support in navigating the insurance claim process. It’s a tough road, but understanding how to file your claim in California can be really helpful. This guide will walk you through the steps to file a fire insurance claim successfully.

Preparing for a Fire Insurance Claim

As thousands of people who have been affected by the fires will be making fire insurance claims, it is vital that you make as much necessary preparations possible in order to make the process as seamless as possible. One of the first things you can do to prepare is by reviewing your policy to understand coverage limits, exclusions, and deductibles. This can not only save time and reduce stress later, you can make a list of questions ahead of time and get them answered immediately.

Additionally, it is highly recommended to document your property and losses as much as possible. By making and maintaining a detailed inventory of your belongings, you can find out which of your losses are potentially covered in your policy. On top of that, visual documentation strengthens your claim by providing undeniable proof of the condition of your property. As such, make sure that you list all your possessions, including their value and purchase dates.

Steps to File a Fire Insurance Claim

Step 1: Contact Your Insurance Company Immediately

Notify your insurer as soon as possible, because due to the wildfires, there will be a sudden influx of applications and it will take some time to process. In addition, many policies require prompt reporting, so act quickly.

Step 2: Document the Damage

Take photos or videos of the damage and be as detailed as possible. You can also submit receipts for any immediate purchases related to the disaster such as hotel costs and eating out.

Step 3: Gather Necessary Documentation

Policy number, personal identification, proof of ownership, and any pre-existing damage records will be required when filing a fire insurance claim. If you have lost any important government documents in the fire, it is highly urged to order new copies immediately.

Final Step: Submit Your Claim & Meet With the Insurance Adjuster

Use the insurer’s preferred method (online, phone, or in-person) in order to submit a claim and wait for a response. If your application has moved on to next steps, be present or designate someone responsible to meet with the adjuster as they will assess the damage to determine your claim amount. It is also important to stay up to date for any major state wide or city wide changes to insurance policies as it can impact your financial recovery. For Los Angeles or California-specific guidance, visit Insurance.ca.gov.

Beware of Scams 

In times of crisis, there will unfortunately be a number of people and even organizations who will try to prey on those who have lost everything in the wildfires. As such, it is imperative that you keep an eye out for any suspicious scams and read the fine print for anyone who is claiming that they can help you. In fact, some of the most common scams that you should watch out for include the following:

• Exorbitant Fees- Some public adjusters might charge above-average fees or hidden costs from your settlement.
• Kickbacks- Be wary of adjusters suggesting specific contractors who might give them a kickback, reducing your settlement’s value.
• Embezzlement- Cases have been documented where public adjusters misused or outright stole claim money intended for victims, as warned by the Los Angeles County District Attorney’s Office.

Insurance Company Adjusters vs. Public Adjusters

While it is important to have adjusters assess your claims and calculate your damages, it is vital that you understand the difference between the two, because it can potentially affect your awarded compensation. Company Adjusters are employed by your insurance company to assess claims and they should not charge you any fees for their services. However, Public Adjusters are adjusters you hire to potentially secure a higher settlement, and as a result of their services, they can charge you a fee anywhere from 5% to 15% or more, as outlined in California Insurance Code Section 15027. Anything more than that, it is highly recommended to consult with a third party or with a skilled attorney to help you through these times. 

Protect Yourself

As there is going to be a lot of deceptive people who will try to take advantage of the situation, it is vital that you take all the necessary measures to protect yourself. Here are some things that you can do to protect yourself:

• Verify Licensing: Ensure your public adjuster is licensed by checking with the California Department of Insurance.
• Written Agreements: Always get a written contract specifying the fee structure.
• Know Your Rights: According to Insurance Code Section 790.03, insurers are prohibited from unfair claim practices.

Homeowners vs. Renters Insurance Claims

Homeowners Insurance

• Coverage: Typically covers damage to your property caused by fire, including structural damage, loss of personal belongings, and additional living expenses if you’re displaced.
• Claim Process: You’re responsible for home repairs and replacements.  

Renters Insurance

• Coverage: Protects personal property, additional living expenses (ALE), and sometimes liability but does not cover the building itself.
• Claim Process: You’ll primarily deal with replacing your personal belongings and covering additional living expenses if displaced.

Challenges You May Face During the Process

Delayed Processing

Delays can happen due to high claim volumes after disasters. Stay persistent and follow up regularly.

Denied Claims and How to Handle Them

If your claim is denied, request a detailed explanation as to why it has been denied. If you suspect that your claim was denied due to bad faith, you may need to gather additional evidence and consult an attorney specializing in insurance disputes.

West Coast Trial Lawyers: Expert Guidance

By staying prepared, documenting everything thoroughly, and knowing your rights, you can move forward with a sense of control in what feels like chaos. The road ahead might have its bumps, but you don’t have to face them by yourself. West Coast Trial Lawyers are here to help you navigate this process with expertise.

If you need support, don’t hesitate to reach out to us at (213) 927-3700 or by filling out our quick online contact form.  

Frequently Asked Questions About Fire Insurance Claims

What Should I Do Immediately After a Fire?

Ensure everyone’s safety, contact emergency services, and notify your insurance company as soon as possible.

How Long Does the Claims Process Take?

The timeline varies but can take weeks to months depending on the complexity of your claim.

Can I File a Claim if I Don’t Have All the Receipts?

Yes, but lack of receipts may slow the process. Supplement your claim with other forms of proof like photos and videos.

What if My Insurance Company Denies My Claim?

You can appeal the decision, provide additional evidence, or consult an attorney for guidance.

Can I Switch Insurance Companies After Filing a Claim?

Yes, but ensure the claim is settled before switching to avoid complications.