The recent fires in Los Angeles have left many families devastated. If you’re facing the reality of losing your home, our hearts go out to you. Rebuilding after a fire is a long and emotional process, but you are not alone.
In this guide, we’ll walk you through the key steps to take after a fire, from working with your insurance company to restoring your home and emotional recovery.
Immediate Steps After a Fire
1. Prioritize Safety Before Returning Home
After a fire, your home may be unstable, and toxic fumes from smoke, soot, and burned materials can linger. Do not enter your home until firefighters and local authorities confirm it is safe.
2. Secure Your Property
If your home is still standing, take steps to prevent further damage or theft:
- Board up windows and doors to protect against looters and weather.
- Cover damaged roofs with tarps to prevent water damage.
3. Contact Your Insurance Company
The sooner you start your insurance claim, the better. When you call your insurance provider:
✔ Ask about temporary housing assistance if needed.
✔ Request a copy of your insurance policy for reference.
✔ Find out what documentation is required for your claim.
4. Document Everything
- Take clear photos and videos of all damage, including fire, smoke, and water damage.
- Make a list of damaged items—this will help with your insurance claim.
- Save all receipts for hotel stays, meals, and necessary expenses—your policy may reimburse some of these costs.
Navigating Insurance and Adjusters
Be Cautious with Public Adjusters
After a fire, you may be approached by public adjusters who offer to handle your claim for a fee. Be careful.
- Public adjusters take a percentage of your insurance payout—money you need for rebuilding.
- Instead, work directly with your insurance company and provide thorough documentation to ensure a fair payout.
Don’t Accept the First Offer Too Quickly
- Insurance companies may offer a lower payout initially.
- Stay persistent and provide additional evidence if necessary.
- If needed, consult a contractor with experience in insurance rebuilds to help maximize your claim.
The Cleanup & Rebuilding Process
1. Hire a Professional Fire Damage Restoration Company
Fire damage is more than burned walls—it includes toxic soot, structural damage, and smoke contamination. A professional restoration company can:
✔ Assess the structural integrity of your home.
✔ Remove hazardous materials and clean up debris.
✔ Eliminate smoke and soot to prevent long-term health risks.
2. Work with a Structural Engineer (If Needed)
If your home suffered severe structural damage, a professional engineer can determine whether repairs or a full rebuild is necessary.
3. Plan for Rebuilding Early
Rebuilding a home takes time—often two years or more. Delays happen due to:
✔ Permit approvals (which can take months).
✔ High demand for contractors after large-scale disasters.
✔ Supply chain shortages affecting materials.
Start working on architectural plans and securing permits as soon as possible to avoid further delays.
Emotional & Community Support
Losing a home is about more than just physical belongings—it’s a loss of security, stability, and memories. The emotional recovery process is just as important as the rebuilding process.
Ways to Find Support:
✔ Lean on family and friends—don’t go through this alone.
✔ Join local recovery groups—many communities have support networks for fire survivors.
✔ Seek professional counseling if needed—processing grief and stress is essential.
✔ Look for assistance programs—charities and government programs often provide financial aid, temporary housing, and essential supplies.
Final Thoughts – You Are Not Alone
If you or someone you know is recovering from a fire, help is available. At Trailstone Insurance Group, we specialize in guiding homeowners through the complex insurance process, ensuring you get the support and coverage you need.
Check the links in the description for resources, insurance assistance, and rebuilding support.
A Prayer for the Families Affected by the Los Angeles Fires
“Heavenly Father, we lift up those who are suffering in the wake of these fires. Bring them strength, wisdom, and the resources they need to rebuild. Surround them with love and support, and remind them that they are never alone in their struggles. May hope rise from the ashes, and may Your peace fill their hearts. Amen.”
Rebuilding is a journey—but with the right steps, resources, and community support, it is possible. Stay strong, stay hopeful, and know that help is here.