What to Do After Losing Your Home in a Wildfire

Wildfires are devastating. One moment, your home is a safe haven. The next, it’s gone, along with a lifetime of memories. Watching the flames consume entire neighborhoods is heartbreaking. You never think it will happen to you—until it does. With recent wildfires tearing through Southern California, including Palisades and Altadena, many families face the painful reality of loss. If you’ve been affected, know that you’re not alone. Here’s what you must do to start rebuilding your life after a wildfire. 

The most important thing is that you and your pets are safe. Possessions and material things can always be replaced. However, it’s heartbreaking to lose the irreplaceable—family photos, heirlooms, the piano that’s been in your family for over 60 years, or those personal keepsakes that hold deep sentimental value. That is what makes it so incredibly sad. But in the face of such loss, knowing where to start can help you regain stability.

Filing an Insurance Claim: Where to Start 

The first step after a wildfire damages your home is to contact your insurance provider immediately. Your agent will guide you through the claims process and explain the necessary documents. 

Understanding Insurance Timelines 

Wildfire claims can take months or even years to fully process, depending on the severity of the damage and the number of claims filed in your area. If a state of emergency has been declared in California, insurance companies must provide immediate relief, which may include: 

·     Compensation for lost personal belongings 

·     Temporary housing assistance while your home is being repaired or rebuilt 

Documenting the Damage 

Insurance companies rely heavily on documentation to assess claims, so it’s crucial to keep detailed records: 

·     Take photos and videos of all damage before any cleanup begins. 

·     Keep a recovery journal to log every conversation with your insurer, including dates, names, and key discussions. 

·     Save receipts for all expenses, such as hotel stays, meals, and emergency purchases. 

Even before tragedy happens, use an online life organizer like My Banyan Life to securely store and organize digital copies of essential documents like insurance policies, mortgage papers, social security documents, prescriptions, birth certificates, and more. While physical items can’t be preserved online, photos and scanned copies are best for recovery and insurance claims. We make it easy to protect important assets, and you can try it free for 21 days or with a 30-day money-back guarantee—because peace of mind should always be within reach.

Negotiating a Fair Settlement 

The first settlement offer may not be the best one. Before accepting: 

• Get a second opinion from a contractor or construction professional. 
• Consider hiring a public adjuster to negotiate on your behalf. A public adjuster can handle the complex claims process and negotiate with your insurer to maximize your payout, ensuring you receive every dollar you're entitled to.
• Watch out for fraudulent adjusters who may not be familiar with California’s consumer protection laws. 

Protecting Your Property Before Evacuating 

If an evacuation order is issued, your top priority is getting out safely. However, if time allows, take these steps to minimize damage: 

Outside Your Home: 

• Turn off propane tanks and move flammable objects away from the house. 
• Leave garden hoses accessible for firefighters. 
• Install ember-resistant attic and ground vents with fine metal mesh to block embers while maintaining proper airflow and preventing moisture buildup. Consult a professional before making changes to ensure your home stays both fire-resistant and well-ventilated. 

Inside Your Home: 

• Grab your go-bag with essential documents and necessities. 
• Close windows and doors but leave them unlocked for firefighter access. 
• Turn off gas meters, pilot lights, and air conditioning to reduce fire hazards. 

Safeguarding Your Pets During a Wildfire

When wildfires strike, it’s essential to have a well-thought-out plan to protect your pets. Identify pet-friendly evacuation shelters, animal boarding facilities, or trusted friends and family who can accommodate them if needed. Keep a list of emergency contacts and addresses readily available for quick access. Ensure pet carriers, harnesses, and leashes are easily accessible. As wildfires approach, keep your pets indoors to shield them from smoke and hazardous air. Always provide fresh water to keep them hydrated. If breathing conditions become unsafe for you, they are also unsafe for your pets. Affix a pet alert window cling with details of your pets inside your home—this can save precious time for rescuers. Most importantly, if you must evacuate, take your pets with you. Never delay escape or risk your safety trying to rescue them.

What to Do After the Fire 

The days and weeks following a wildfire can feel overwhelming. Here’s how to move forward step by step: 

1. Find a Safe Place to Stay 

·     Stay with friends or family. 

·     Seek assistance from disaster relief agencies like the Red Cross. 

·     Check if your insurance covers temporary housing under Loss of Use. 

2. Notify Important Parties 

·     Let family and friends know you’re safe. 

·     If you rent, inform your landlord about the fire. 

3. Secure Your Home 

·     If possible, board up windows and doors to prevent theft or further damage. 

4. Document Everything 

·     Take photos/videos before removing any debris. 

·     Request a fire report from the fire department for insurance purposes. 

5. Address Financial Responsibilities 

Continue making mortgage, car, and credit card payments if possible. 

Replace lost debit/credit cards and financial records. 

6. Replace Important Documents 

·     If you lost passports, birth certificates, or marriage licenses, contact the relevant agencies for replacements. 

7. Recover Possessions & File Insurance Claims 

·     Understand your policy: Replacement Cost covers complete replacement, while Cash Value provides only the depreciated amount. 

8. Track Repairs & Insurance Communications 

·     Keep all receipts and records of expenses in a dedicated binder. 

·     Document conversations with insurance representatives for accountability. 

9. Update Your Mailing Address 

·     Forward mail to a temporary address if you’ll be displaced for an extended period. 

10. Prioritize Mental Health 

·     Seek support from counselors, therapists, or community groups. Wildfire survivors often experience high levels of stress and trauma. 

Nationwide Resources for Wildfire Recovery 

You may qualify for federal assistance if you’ve lost your home to a wildfire. Apply online at www.disasterassistance.gov or call the FEMA helpline at (800) 621-3362. 

Additionally, the following national organizations assist wildfire survivors: 

·     American Red Cross – Offers shelter, food, and emotional support. 

·     Salvation Army – Provides emergency financial aid and temporary housing. 

·     Direct Relief – Delivers medical aid and supplies to affected communities. 

·     United Way – Offers wildfire relief programs and financial assistance. 

·     World Central Kitchen – Provides meals to displaced families. 

·     Baby2Baby – Supplies essentials for families with young children. 

Final Thoughts: Be Prepared Before Disaster Strikes 

Recovering from a wildfire is long and challenging, but preparation can make it easier. If you haven’t already, take this as a reminder to: 

·     Review your homeowner’s insurance policy. 

·     Create a home inventory of your belongings. 

·     Store important documents digitally or offsite using My Banyan Life to keep them secure and easily accessible. 

Wildfires are unpredictable, but taking proactive steps can give you peace of mind, knowing you’re ready if the worst happens. Stay strong and remember—you are not alone in this.