Insurance Resources after Natural Disasters

Most Frequently Viewed Resources

Sample letters for claim and proof of loss forms, example claim documents, and sample damage reports and documentation.

Dropped after a total loss from a declared disaster, partial loss or second renewal, and not having "defensible space".

Looking for Benefits? Answer questions to find out which government benefits you may be eligible to receive.

Here you will find first steps after a fire and tips, tools and resources for recovering from a partial or total wildfire loss. Our main focus is on helping you navigate your insurance claim toward a full, fair and prompt settlement, but we also offer guidance on emotional recovery, debris removal, temporary living arrangements, government aid, construction issues, hiring professional help, and deciding how and if you will repair, rebuild or buy a replacement home.

Alphabetical Listing of Resources

BayLegal is available to assist and will give priority to emergency needs arising from the fires, including: Emergency public benefits such as D-SNAP to access food and CalWORKs, FEMA benefits and claims process, Housing questions specifically related to the fires (ex. ongoing obligations,
getting possessions, etc), Insurance issues, Employment issues, Missing identity documents, Connecting to local resources and statewide pro bono assistance

Unemployment Insurance (UI) claims, including claims for Disaster Unemployment Assistance (DUA), can be filed online, by phone, by mail, or by fax. The fastest and easiest option for individuals to file claims for UI benefits is online using eApply4UI.

What should my first steps be? What does the Additional Living Expense (ALE) part of my policy cover? Will my insurer cover the cost if I live in a trailer during reconstruction? Who is responsible for clearing the debris from my lot and is that covered under my policy? How can I get a fair claim settlement? What are my legal rights in California? The insurance company will only pay according to its "pricing guidelines"?

Why can't I just deposit and use my insurance checks? Will the mortgage company pay me interest on the insurance proceeds they are holding?

Depending on your situation, you may need to hire a public adjuster, a lawyer, a construction estimator, an industrial hygienist or other type of expert.

The Homeowners Insurance Comparison Tool provides assistance for those shopping for homeowners, condominium, renters, or earthquake coverages.

The Individual Assistance division of FEMA is here to support your recovery from a major disaster and help you through the process of applying for assistance.

For Camp and Woolsey Fire

The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.

NAP provides financial assistance to producers of noninsurable crops when low yields, loss of inventory, or prevented planting occur due to natural disasters.

Check out mortgage resources available for victims of disasters to see what you are eligible for.

Communicating with your insurance company is an incredibly important part of the claims process. The insurance company may try to handle your claim by telephone, with no records.