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Wildfires in California: What Can You Do Right Now to Protect Your Rights | Real Estate Insurance Coverage Blog

Right now, more than 367 fires are burning in California. Many contain 0% due to hard terrain and high winds, and hundreds of structures have already been lost. Thousands more are threatened. Cal Fire is intended and has called for resources from the state. Many of the current fires were the result of thousands of lightning strikes from a coastal storm. The lightning struck areas with extremely dry conditions. A historic heat wave exacerbates the problem.

If you are affected by the fire or are at risk, some of the most important tips are:

  • Follow all evacuation orders, advice from Cal Fire and pay attention to air quality.

    • 1
      9659004] If you are not evacuated, consider taking precautions to prevent loss, such as cleaning brushes or other flammable materials from your entire home. Although it can be dangerous and cause water damage, some also choose to water their structures.
    • If you can do it safely, take photographs and videos of the fire that you see from your house.
    • If you have any fire damage, do not try to fix anything yourself as it may cause further damage and be harmful to your health.
    • If you have smoke particles on your property, refrain from cleaning it yourself. Your insurance covers the removal of smoke particles on your property. Trying to do it yourself can cause further harm and be detrimental to your health.
    • Set up webcams so you can monitor the situation remotely if you need to evacuate.
    • Call your insurance agent or carrier and:
      • If you have not been evacuated yet, report a potential claim.
      • If you have already been evacuated, request an advance for additional living expenses.
      • If you know you have lost your home or experienced damage, open your
      • Request a certified copy of your policy.
    • If you have any concerns that your coverage is not sufficient to cover your losses, contact a professional such as a lawyer. Your insurance agent or broker may be wrong and is not a source of objective advice.
    • If you are worried about your insurance claim, you should also contact a professional, even if your problems are minor. Insurance companies can be very friendly in the earlier stages of a claim and turn to you later.
    • Always check the license status of all contractors, general adjusters or other professionals who contact you about your situation.
    • If at all possible, get referrals from professionals you trust.
    • Review available resources from United policyholders and the California Department of Insurance.

    Let us always inform you if you have any questions or concerns.

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