During this time we find it important to reach out to our community to bring people together that my need assistance. Our communities have been devastated by the Eaton and Palisades fires. We’ve put together some resources and notes that we wanted to share with you if you need it. Please forward this to anyone you know who might benefit from these resources or information. Don’t hesitate to reach out to me directly with any questions or for any assistance.

 

Mutual Aid LA Network Master Assistance and Resource List

This is the most organized and comprehensive spreadsheet we have found thus far. It includes many resources and details someone needing assistance or wanting to contribute may need. Check here is you are wanting to volunteer, donate, or if you need shelter, donations, animal boarding, childcare, mental health services, meals etc.

 

Things to Know When Working With Insurance

Starting on a claim with your insurance company can be overwhelming and confusing. We wanted to share a few things to keep in mind during this process.

If You Are Filing a Claim

Before you sign - Pause before you sign anything with your insurance claim. Take your time, review your policy, and don’t let anyone pressure you into a decision. If you’re unsure, call the California Department of Insurance at 1-800-927-4357 for help.


Hire Your Own Advocate: Attorney or Public Adjuster - Remember, your insurance company isn’t working to get you the most—they’re working to minimize their payout. Consider hiring your own attorney or a public adjuster. While they may take a percentage, often around 10% of your settlement, they can help you secure a much larger claim. In the end, they pay for themselves.


Maximizing Personal Property Claims - When claiming personal property, aim high. If your clothes are worth $1,000, ask for more because insurers might only offer half. Review your policy to see the maximum amount they will cover and aim to reach that amount.


What You Say to Your Insurance Company Matters - When dealing with your insurance company, remember: anything you say can and will be used against you. Speak as little as possible, and don’t volunteer unnecessary information. Instead, let your attorney or public adjuster handle those conversations for you. They know how to protect your interests and ensure you’re treated fairly.


Remediation - Select your own remediation company.. don’t choose somebody that your insurance selected for you because they’re ultimately going to be working for the insurance company. Having your own remediation company guarantees they're representing your interests.


For Future Claims or Insurance Needs


California Fair Plan Insights - Many homeowners near the hillsides rely on the California FAIR Plan, but remember—it primarily covers rebuilding your dwelling. Personal property coverage is minimal or non existent, so check your policy carefully.


Document Everything - Some didn't have an opportunity to do this before the fire came. Many thought they were going to be able to return to their homes. For those who are fortunate to still have their home and belongings. For future disasters, take at least 10 photos per room and upload them to the cloud or Google Drive. Documentation is key to getting your claim approved. Don’t skip this step—it’s your proof. Remember, if you ever have to evacuate, take your cash with you. Insurance doesn’t cover lost or destroyed cash.


Rising Insurance Costs - Statewide insurance premiums are likely to double after the wildfires. While companies are operating at a loss, there’s a cap on increases. It’s a tough market, but staying informed can help you plan.

 

Tax Relief and Federal Assistance

On top of insurance, there are a few other ways to get financial assistance or relief during this time. Please see the resources to apply below.

FEMA (Federal Emergency Management Agency) Assistance

Register Online or by Phone:

Call FEMA at 1-800-621-FEMA (3362).

Provide Key Information: Your social security number, details of the damage (e.g., type, extent), Insurance information (FEMA helps only for damages not covered by insurance), proof of identity and residency. Note that a FEMA inspector may visit your property to assess damages. FEMA will notify you about your eligibility and grant amount.

Note that FEMA is not a replacement for insurance; it provides supplemental help to cover essential needs.


Los Angeles County Assessor

Taxpayers whose properties have either been destroyed or sustained a minimum of $10,000 in damage may file a Misfortune and Calamity (M&C) claim for property tax relief.  Assessor's Disaster Relief Hotline (213) 974-8658

 

Evacuation Orders and Alerts

Yesterday, many people across Los Angeles county received emergency alerts regarding evacuation warnings in error. Unfortunately this means that now, when we receive these alerts we will question if they are actually intended for us or if they are another mistake. This is dangerous. Make sure to verify evacuation orders with other resources. We have provided some below. Additionally, if there is a real evacuation order for your area, you might experience police officers or firefighters driving down your street making an evacuation announcement.

May KunkaMay Kunka, Realtor