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1 | Welcome to the Home Loss File System - Digital Resource: Introduction (Last Updated - 1/16/25) | |||||||
2 | This tool was created by former California wildfire survivors committed to supporting you through the challenging process of disaster recovery. We hope to provide essential resources, checklists, and organizational tools to help you manage insurance claims, document losses, and track expenses efficiently. By staying organized, we hope you can regain a sense of control during this difficult time. We are truly sorry for your loss and hope this tool offers clarity, support, and empowerment as you move forward on your path to recovery. | |||||||
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8 | How to Use This System: | |||||||
9 | 1. Save Your Own Copy: Click File > Make a Copy to save this document to your personal Google Drive. 2. Edit and Customize: You can edit, adapt, and expand the system to fit your unique recovery needs. 3. Explore Each Sheet/Tab: Each tab is dedicated to a key part of the recovery process, including insurance tracking, inventory management, emotional support, and more. 4. Complete Each Section: The tool includes dropdown menus, editable fields, and space for tracking claim progress. 5. Stay Organized: Keep all records updated for better insurance claim processing and easier communication with support agencies. | |||||||
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11 | Index of Each Sheet/Tab: | |||||||
12 | 1. First Steps After a Wildfire | Immediate steps for safety, housing, and starting the recovery process. | ||||||
13 | Key contact information for emergency services, insurance, and local aid groups. | |||||||
14 | 3. Insurance Policy Summary | Store your insurance details, including policy numbers, coverage, and contacts. | ||||||
15 | 4. Medical Insurance & Health Records | Track medical expenses such as replacement prescriptions, equipment, and manage medical claims. | ||||||
16 | 5. Temporary Housing Search Details | Keep track of temporary housing options as you transition into a rental. | ||||||
17 | 6. Temporary Housing & ALE Tracker | Organize and track expenses for temporary housing and additional living costs. | ||||||
18 | 7. Inventory of Contents | Document lost or damaged belongings with essential claim details and values. | ||||||
19 | 8. Inventory of Hardscape | Record damage to your home's structure. | ||||||
20 | 9. Inventory of Landscape | Record damage to your home's landscaping. | ||||||
21 | 10. Vehicle Replacement | Document auto insurance claims and manage vehicle replacement or repair steps. | ||||||
22 | 11. Debris Removal Checklist | Track debris removal steps, permits, and contractor interactions for cleanup. | ||||||
23 | 12. Claim Documentation Log | Log all communications with insurers and track claim submissions and approvals. | ||||||
24 | 13. Insurance Claim Rules in California | Understand key regulations and guidelines for filing insurance claims effectively in California. | ||||||
25 | 14. Rebuilding Information | Understand key information about rebuilding, engaging contractors and navigating the process. | ||||||
26 | 15. Key Terms & Definitions | Clarify important insurance and recovery-related terminology to navigate your claims more confidently. | ||||||
27 | 16. Donation Tracker | Track monetary gifts, gift cards, food, and services and how they are used. | ||||||
28 | 17. Mental Health & Recovery | Access resources for emotional support, trauma recovery, and well-being tips. | ||||||
29 | 18. To-Do List and Deadlines | Manage and prioritize recovery tasks with a clear checklist and timeline. | ||||||
30 | 19. Additional References | Explore further resources, guides, and support materials for disaster recovery and insurance navigation. | ||||||
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32 | Next Steps: | |||||||
33 | Save a copy and start entering your information step by step. Update regularly and keep all receipts, forms, and documents in one place. Visit uphelp.org for additional guidance and tools. | |||||||
34 | ||||||||
35 | Request a Physical Box | If you or members of your community prefer receiving a free physical box instead of this digital resource, you are invited to fill out this form and someone will be in touch with you. | ||||||
36 | ||||||||
37 | Support Our GoFundMe | We are fundraising to build 1500 physical Home Loss File System boxes and to enhance and expand awareness of this Digital Resource. Please consider supporting! | ||||||
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39 | Our Contact Information | |||||||
40 | We are a group of California residents (many of whom lost our home in the 2003 Cedar Fire) who are passionate about helping families in the aftermath of a catastrophic natural disaster. This Home Loss Recovery System is a tool, modeled on one used by Scripps Ranch residents in the wake of the 2003 Cedar Fire, that helped families with rebuilding their lives in an organized and efficient manner. Our mantra is, “Getting organized helps us feel in control of our lives again.” Statistics: Nearly 3,000 Home Loss File System boxes have been distributed across numerous California wildfires in the last 20+ years. | |||||||
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42 | If you have any questions/comments/suggestions, please feel free to contact us at: | |||||||
43 | Website: homelossfilesystem.com | |||||||
44 | Email: homelossfilesystem@gmail.com | |||||||
45 | Facebook Page: https://www.facebook.com/OutOfTheAshesBox/ | |||||||
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47 | We appreciate your feedback! | |||||||
48 | ||||||||
49 | Please note - this Home Loss Flle System is not a substitute for legal advice/opinion. Please contact a lawyer if you have any difficulties through the process. | |||||||
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A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | |
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1 | First Steps After a Wildfire | ||||||||||||||||
2 | Review each step with your loved ones to create a clear plan of action and ensure everyone is informed and prepared to move forward together. | ||||||||||||||||
3 | Return to Introduction Page | ||||||||||||||||
4 | 1. You First: Take care of you and your family’s immediate needs first. | ||||||||||||||||
5 | 2. Housing: Finding temporary housing is a priority. Your insurance company should help you find a place of similar size. | ||||||||||||||||
6 | 3. Gather Essential Documents: Identification (Driver’s License, Passport, Birth Certificate); Insurance Policies; Property Deeds; Auto Titles; Social Security Cards; Wills and Legal Documents; Tax Records; Medical Records, Veterinary Records. Some may need to be replaced. | ||||||||||||||||
7 | 4. Recovery Log: Start a recovery log. Any notebook (or tab on this spreadsheet) will do. Take notes on: who you talked to, the number you called, date and time, what was said. Keep your paperwork organized. | ||||||||||||||||
8 | 5. Initial Insurance Requests: Ask your insurance company for cash advances for living expenses and replacing immediately needed personal property.* | ||||||||||||||||
9 | 6. Receipts: Keep all receipts while you are displaced. Hotel bills, clothes, and pet boarding may be reimbursed but require receipts. | ||||||||||||||||
10 | 7. Property Photos: Take photos of your property before any cleanup or debris removal happens. | ||||||||||||||||
11 | 8. Contracts: Do not rush into signing contracts. Get copies of ALL paperwork you do sign. | ||||||||||||||||
12 | 9. Insurance Adjuster: An insurance adjuster will eventually come and inspect your home. If they make you a settlement offer on the spot, get a second opinion on what you’re entitled to. | ||||||||||||||||
13 | 10. Inventory: Inventorying your damaged and destroyed property is time-consuming and unpleasant. UP offers tips and tools for getting this done. Visit www.uphelp.org/contents. | ||||||||||||||||
14 | 11. Stand Up for Your Rights: Give your insurer a chance to do the right thing, but be prepared to stand up for your rights and get help if you’re not being treated fairly. | ||||||||||||||||
15 | 12. Case Manager: Register with a Red Cross Case Manager – they can help make referrals to resources. Dial: 1-800-RED-CROSS | ||||||||||||||||
16 | 13. FEMA & SBA Registration: If your disaster is declared, register with FEMA (if a federally declared disaster) and the SBA (if a state disaster declaration). | ||||||||||||||||
17 | 14. Additional Guidance: For more specifics and guidance on the insurance claim process, visit www.uphelp.org/2020wildfires. | ||||||||||||||||
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19 | *TIP: If you lost your home in the wildfire, when you file your insurance claim, be sure to ask for a cash advance to help you get situated. If your wildfire is a “California declared disaster”, your insurer is required to give you an advance of no less than 30% of your contents limit and at least 4 months of your “Additional Living Expense” coverage. Be sure to ask for it in writing (email counts). |
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1 | Essential Resources, References, And Contacts | |||
2 | Having access to reliable resources and contact information is critical during your recovery process. Use these resources to connect with organizations and professionals who can provide support, answer your questions, and assist you. | |||
3 | Return to Introduction Page | |||
4 | Emergency Services | |||
5 | Resource | Contact Information | Website | About |
6 | FEMA Disaster Assistance | 1-800-621-FEMA | www.fema.gov | |
7 | American Red Cross | 1-800-RED-CROSS | www.redcross.org | |
8 | National Disaster Helpline | 1-800-985-5990 | SAMHSA Helpline | |
9 | United Way 211 (Local Services) | Dial 211 | www.211.org | |
10 | DisasterAssistance.gov | DisasterAssistance.gov | ||
11 | 211 and AirBnB - Temporary Housing for LA Wildfires | Los Angeles Temporary Housing with AirBnB | ||
12 | LA Wildfire - Hotel Availability - Jan. 2025 | Discounted (Not Free) Hotel Options | ||
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14 | LA Fire Specific Resources + Websites | |||
15 | LA Fire Mutual Aid Resources | |||
16 | Mutual Aid Los Angeles Network Spreadsheet | |||
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18 | LA Fire Redit Megathread | |||
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20 | Additional Discounts Available for Fire Survivors | |||
21 | More Free and Discounted Resources | |||
22 | LA County Recovers | |||
23 | ||||
24 | Insurance & Legal Support | |||
25 | Resource | Contact Information | Website | About |
26 | United Policyholders (UP) | info@uphelp.org | www.uphelp.org | |
27 | National Association of Insurance Commissioners (NAIC) | (816) 783-8500 | www.naic.org | |
28 | Consumer Financial Protection Bureau (CFPB) | (855) 411-2372 | www.consumerfinance.gov | |
29 | State Insurance Commissioner Office | Varies by State | Find Your State Office | |
30 | National Disaster Legal Services | http://www.disasterlegalaid.org | ||
31 | Disaster Unemployment Assistance | 1-877-872-5627 | ||
32 | ||||
33 | Financial Assistance & Loan Resources | |||
34 | Resource | Contact Information | Website | About |
35 | Small Business Administration (SBA) | 1-800-659-2955 | www.sba.gov | |
36 | Disaster Unemployment Assistance | Contact Local Office | www.benefits.gov | |
37 | GoFundMe for Disaster Relief | Online Only | www.gofundme.com | |
38 | National Foundation for Credit Counseling (NFCC) | 1-800-388-2227 | www.nfcc.org | |
39 | Federal Tax Assistance | 1-800-829-4933 | www.irs.gov | |
40 | Financial Counseling | -888-388-HOPE | www.operationhope.org | |
41 | American Red Cross Financial Assistance Program | www.redcross.org | ||
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43 | Rebuilding & Contractor Guidance | |||
44 | Resource | Contact Information | Website | About |
45 | Contractors State License Board (CSLB) | 1-800-321-CSLB | www.cslb.ca.gov | |
46 | Better Business Bureau (BBB) | 1-703-276-0100 | www.bbb.org | |
47 | National Association of Home Builders | (800) 368-5242 | www.nahb.org | |
48 | Habitat for Humanity Disaster Response | www.habitat.org | ||
49 | ||||
50 | Other Helpful Resources | |||
51 | Resource | Contact Information | Website | About |
52 | U.S. Postal Service (Change of Address) | 1-800-ASK-USPS | www.usps.com | |
53 | Social Security Administration | 1-800-772-1213 | www.ssa.gov | |
54 | Veterans Affairs Disaster Hotline | 1-800-507-4571 | www.va.gov | |
55 | U.S. Department of State Passport Services | 1-877-487-2778 | http://travel.state.gov | |
56 | Birth, death and marriage & divorce certificates | Bureau of Records in the appropriate state | ||
57 | Titles to deeds | Records Department of the area in which the property is located | ||
58 | Citizenship papers | 1-800-375-5283 |
A | B | C | D | E | F | |
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1 | Insurance Policy Summary | |||||
2 | When reviewing your home insurance policy, it is important to gather and organize critical information to better understand your coverage and start the claims process effectively. Use the table below to track essential details about your policy. Learn more here: https://www.naic.org/ | |||||
3 | Return to Introduction Page | |||||
4 | Coverage Type | Insurance Company | Policy Number | Coverage Limit | Adjuster Name | Contact Information |
5 | Dwelling/Home Insurance | |||||
6 | Contents/Personal Property | |||||
7 | Additional Living Expenses (ALE) | |||||
8 | Debris Removal | |||||
9 | Auto Insurance | |||||
10 | Valuable Items Protection | |||||
11 | Business Property Coverage | |||||
12 | Wildfire-Specific Coverage | |||||
13 | Renters Insurance (during temporary housing) |
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1 | Medical Insurance and Health Records | |||
2 | Use this section to track health insurance claims, replace lost medical records or prescriptions, and manage access to healthcare and medical equipment during recovery. Keep detailed records and contact information for insurance, providers, and pharmacies to ensure timely assistance. | |||
3 | Return to Introduction Page | |||
4 | Category | Details | Contact Information | Notes |
5 | Health Insurance Details | Policy number: [Enter Policy Number] Coverage: [Enter Coverage Details] | Insurer: [Phone/Email/Website] | Include a copy of your policy. |
6 | Claim Tracking | Tracker for claims filed: [Add a tracker/log here] | Adjuster: [Contact Info] | File claims ASAP. |
7 | Prescription Management | Current prescriptions and refill instructions: [List medications and dosages] | Pharmacy: [Phone/Email] | Attach refill receipts if needed. |
8 | Medical Equipment Replacement | List damaged/lost equipment: [Add details] | Vendor: [Contact Info] | File claims with receipts. |
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1 | Temporary Housing Search Details | |||||||||
2 | Finding suitable temporary housing is a crucial step in your recovery process. Use this spreadsheet to systematically track available housing options, compare costs, and document key details that will assist in securing a rental that meets your needs. Record essential information such as location, rental rates, lease terms, amenities, and availability. | |||||||||
3 | Return to Introduction Page | |||||||||
4 | Location of Rental Unit | Primary Contact Name | Phone Number | Rental Rates | Lease Terms | Number of Bedrooms | Number of Bathrooms | Amenities | Website of Rental | Next Steps |
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A | B | C | D | E | F | |
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1 | Temporary Housing and Additional Living Expenses (ALE) Tracker | |||||
2 | Accurate tracking is essential for ensuring you receive proper reimbursement from your insurance company. Start by recording each expense as it occurs. Be sure to keep all receipts, invoices, or other proof of payment. When you are ready to submit your claim, you can provide this tracker along with copies of your receipts and supporting documentation to your insurance adjuster. | |||||
3 | Return to Introduction Page | |||||
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A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | |
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1 | Inventory of Contents Destroyed in the Fire | ||||||||||||||
2 | Use this inventory list as a tool until you receive official forms from your insurance company. | ||||||||||||||
3 | Return to Introduction Page | ||||||||||||||
4 | List Items Room by Room: Recall and list all items in each room, including furniture, appliances, clothing, and personal belongings. Describe Each Item: Include details like brand, model, size, material, and any distinguishing features. Estimate Value: Record the original purchase price and age of the item, which will inform the estimated value. Attach Proof: Use receipts, warranties, or photos of the items or rooms as evidence when possible. Categorize Items: Organize your list by categories like furniture, electronics, clothing, or kitchenware for clarity. Include Lost Documents: Add important documents like passports or certificates to the list if they were destroyed. *TIP*: Ask your adjustor if they will accept a department store "wedding registery" list that you compile from that store of items that you have. | ||||||||||||||
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6 | Item # | Name of Item(s) | Price of Item | Qty | Description | Age of Item | Item Category | ||||||||
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A | B | C | D | E | F | G | |
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1 | Inventory of Hardscape | ||||||
2 | Use this inventory list as a tool until you receive official forms from your insurance company. | ||||||
3 | Return to Introduction Page | ||||||
4 | List Items by Area: Recall and list all hardscape or landscape elements, such as fences, patios, trees, or lawns, by area (e.g., front yard, backyard, side yard). Describe Each Item: Provide details like material, size, design, and specific features (e.g., "Wooden fence, 6 ft high, 100 ft long"). Estimate Value: Record the original purchase price and age of the item, which will inform the estimated value. Attach Proof: Use photos, invoices, or receipts of the hardscape or landscape elements to document their condition prior. Categorize Items: Organize your list into categories like fences, driveways, patios, trees, shrubs, or grass for clarity. Include Special Features: Note any unique or high-value features like mature trees, custom pavers, or specialty plantings that may require special consideration. | ||||||
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A | B | C | D | E | F | G | |
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1 | Inventory of Hardscape and Landscape | ||||||
2 | Use this inventory list as a tool until you receive official forms from your insurance company. | ||||||
3 | Return to Introduction Page | ||||||
4 | List Items by Area: Recall and list all hardscape or landscape elements, such as fences, patios, trees, or lawns, by area (e.g., front yard, backyard, side yard). Describe Each Item: Provide details like material, size, design, and specific features (e.g., "Wooden fence, 6 ft high, 100 ft long"). Estimate Value: Record the original purchase price and age of the item, which will inform the estimated value. Attach Proof: Use photos, invoices, or receipts of the hardscape or landscape elements to document their condition prior. Categorize Items: Organize your list into categories like fences, driveways, patios, trees, shrubs, or grass for clarity. Include Special Features: Note any unique or high-value features like mature trees, custom pavers, or specialty plantings that may require special consideration. | ||||||
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A | B | C | |
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1 | Vehicle Replacement | ||
2 | Use this section to organize and track the process of replacing or repairing your vehicle, including insurance claims, documentation, and any related expenses. | ||
3 | Return to Introduction Page | ||
4 | Category | Details | Notes |
5 | Insurance Policy | Policy #: [Enter Policy Number] Coverage: [Comprehensive/Collision] | Contact Insurer: [Phone/Email/Website] |
6 | Vehicle Information | Make/Model: [Enter Details] VIN: [Enter VIN] Plate #: [Enter Plate] | Attach prior photos (if available). |
7 | Damage Description | [Detailed description of fire damage] | Include photos or fire/police reports. |
8 | Claim Tracking | Claim #: [Enter Claim Number] Filing Date: [MM/DD/YYYY] | Add communication logs with adjusters. |
9 | Repair/Replacement Quotes | Repair Estimate: [Enter Amount] Replacement Value: [Enter Amount] | Attach repair shop quotes or valuation docs. |
10 | DMV Updates | [Steps to replace title, registration, plates] | DMV Contact: [Phone/Website] |
11 | Temporary Transportation | Rental Costs: [Enter Amount] Dates: [MM/DD/YYYY - MM/DD/YYYY] | Attach receipts for rentals or rideshares. |
12 | Financial Records | Loan Payoff: [Enter Amount] Insurance Payout: [Enter Amount] | Record how funds were used (e.g., repairs). |
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | |
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1 | Debris Removal Information | |||||||||||||||||
2 | Use this information sheet to help you with debris removal Additional Info can be found here: https://uphelp.org/claim-guidance-publications/debris-removal-after-a-partial-or-total-loss/ | |||||||||||||||||
3 | Return to Introduction Page | |||||||||||||||||
4 | What Is Debris Removal Coverage? | Debris removal coverage helps pay for the cost of clearing away damaged materials, rubble, and hazardous waste from your property after a fire or other disaster. This step is critical for safety and preparing for rebuilding or repairs. As the property owner, you are responsible for clearing debris from your lot. Your policy should cover debris removal as a necessary expense to bring your property back to its pre-loss condition. | ||||||||||||||||
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10 | What’s Typically Covered? | Standard Debris Clearing: Removing damaged structures and personal belongings. | ||||||||||||||||
11 | Hazardous Material Removal: Asbestos, lead paint, and other hazardous waste. | |||||||||||||||||
12 | Tree & Vegetation Clearing: If damaged by the event and obstructing recovery. | |||||||||||||||||
13 | Demolition Costs: If part of debris removal before reconstruction. | |||||||||||||||||
14 | Permit Fees: If required by local authorities for removal or demolition. | |||||||||||||||||
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16 | How Much Insurance Do I Have for Debris Removal? | The amount of benefits available for debris removal depends on your insurer and your policy. You may need to use part of your Coverage A (Dwelling) benefits, or you may have additional benefits for debris removal, such as: | ||||||||||||||||
17 | Percentage of Coverage A: Example: 10% of $400,000 = $40,000. | |||||||||||||||||
18 | Percentage of Damage: Example: 10% of $100,000 = $10,000. | |||||||||||||||||
19 | Additional Coverage Limit: Example: A fixed $15,000 extra benefit. | |||||||||||||||||
20 | You may also have $500 in coverage specifically to remove a tree if it falls and damages your property. | |||||||||||||||||
21 | ||||||||||||||||||
22 | What to Do Before Debris Removal Begins: | 1. Photograph Everything: Document all recognizable items in the debris before removal, especially those the insurer may attempt to clean or salvage. | ||||||||||||||||
23 | 2. Inventory: Ensure you capture photos of personal property and structural damage. | |||||||||||||||||
24 | 3. Communicate with Your Insurer: Request written confirmation from your insurance company that they have fully inspected the loss site and agree you can move forward with debris removal. | |||||||||||||||||
25 | 4. Review Salvage Decisions: If your insurer or a cleaning company deems items salvageable but you disagree, negotiate with the adjuster. Cleaning and storage fees often reduce your coverage benefits. | |||||||||||||||||
26 | ||||||||||||||||||
27 | What If Insurance Isn’t Enough to Cover Debris Removal? | If your coverage limits fall short, here’s what to consider: | ||||||||||||||||
28 | Standard Loss: If your home was damaged in an isolated event (not a disaster impacting others in your area), you will need to negotiate the cost of removal and may pay out-of-pocket if it exceeds policy limits. | |||||||||||||||||
29 | Disaster Event: If multiple homes are affected, your city or county may assist by offering: | |||||||||||||||||
30 | Free roll-off dumpsters. | |||||||||||||||||
31 | Coordinated lot-clearing programs where vetted contractors remove debris from multiple properties. | |||||||||||||||||
32 | In a coordinated program, the city/county may pre-screen contractors and ensure cost efficiency. If costs are lower than your coverage limit, leftover benefits may be applied to rebuilding expenses. | |||||||||||||||||
33 | ||||||||||||||||||
34 | Key Questions to Ask Your Insurer About Debris Removal: | What is my debris removal coverage limit? | ||||||||||||||||
35 | Are there any exclusions or separate deductibles? | |||||||||||||||||
36 | Do you have preferred contractors for fire damage cleanup? | |||||||||||||||||
37 | Is pre-approval required before starting debris removal? | |||||||||||||||||
38 |
A | B | C | D | E | F | G | H | I | J | K | L | M | N | |
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1 | Claim Documentation Log | |||||||||||||
2 | 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. However your claim is handled, you must make sure that everything gets documented in writing. For example - if you have a significant disagreement/dispute with your adjustor, talk to the supervisor/discuss with a lawyer. How you communicate makes a world of difference in the amount of benefits you collect and how fast you collect them. Learn more: https://uphelp.org/claim-guidance-publications/speak-up-how-to-communicate-with-your-insurance-company/ | |||||||||||||
3 | Return to Introduction Page | |||||||||||||
4 | Date of Contact | Person Contacted | Organization | Contact Method | Summary of Discussion | Next Steps/Follow-Up | Claim Status | Notes | ||||||
5 | example | John Smith | [Insurance Company/Adjuster] | | Discussed initial claim status and required documents | Submit additional receipts by [Date] | | |||||||
6 | example | Jane Doe | [Contractor Name] | | Requested updated repair estimate | Review revised estimate and compare bids | | |||||||
7 | example | [Case Manager] | | Provided resource recommendations | Contact FEMA for additional assistance | | ||||||||
8 | example | [Insurance Adjuster] | | Clarified ALE coverage | Submit expense receipts for review | | ||||||||
9 | example | [Support Agency] | | Discussed emotional health resources available | Schedule counseling session if needed | | ||||||||
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A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | |
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1 | Insurance Claim Rules in California (2023) | ||||||||||||||
2 | Check for updates to ensure most accurate information. Source: https://uphelp.org/claim-guidance-publications/insurance-claim-rules-in-california-2023/ | ||||||||||||||
3 | Return to Introduction Page | ||||||||||||||
4 | Your insurance company, its employees and independent adjusters, are required to follow California laws, regulations, and Department of Insurance directives when handling your property damage claim. Some of these are triggered by whether or not a Presidential or Governor-declared State of Emergency has been declared. Insurance claim adjusters, especially those who come from out of state after a disaster, don’t always know or follow applicable laws and regulations, so it’s often up to you to understand and enforce them for yourself. Claim Handling Practices in the Event of a Government-Declared Disaster The following is a set of rules that outlines how insurance companies MUST act after a declared State of Emergency in California. Re-stating these rules in your communications with insurance company employees gives you leverage to get them to pay your claim fairly, promptly and fully. Loss of Use/Additional/Temporary Living Expenses (ALE) – If you have suffered a total loss relating to a declared state of emergency, your insurance company must give you a cash advance of no less than four months of your ALE benefits while working with you on calculating your full losses and benefits owed. This advance should help you get situated after the shock of the loss. After that required advance, most insurers will require you to submit receipts and document your ALE expenses in order to collect the rest of your benefits earmarked for temporary living costs. ([CA Ins. Code 2061 (a)(1)]. If you ask your insurer to give you a list of items normally classified as reimbursable ALE expenses, they are legally required to provide that list to you [Cal Ins Code 2060]. Restricted Access by Civil Authority (ALE) – In the event of a state of emergency related to a covered peril that, by an order of civil authority, restricts access to the insured property ALE coverage shall be provided for at least two weeks. Additional extensions shall be provided for good cause but are subject to other policy provisions. ([CA Ins. Code 2060(c)] Debris Removal – Insurance companies should agree to cooperate and make your debris removal benefits available if you decide to participate in a program through which your and your neighbor’s debris gets removed through a coordinated effort. Buying or Rebuilding – In the event of a total loss (disaster or non-disaster) CA law [Cal Ins. Code 2051.5 (c)] allows you to use your full replacement benefits, including any building code upgrade costs and extended replacement cost coverage you may have, to: - rebuild your home at the current location, - rebuild at a new location, or - purchase an already built home at a new location. Land Value Deduction – In the event of a total loss to your property, the amount owed to you by the insurer is the cost to rebuild your home at its original location, including building code upgrade coverage and extended replacement cost coverage. Your insurer is not allowed to take a deduction for the value of land under the replacement home you purchase. [Cal Ins. Code 2051.5 (c)(2)] Combining Coverages – If your home is destroyed due to a declared emergency, and the amount of your Dwelling limits is too low to cover the cost of replacing the home, you can combine your insurance benefits for the “Dwelling” and “Other Structures” categories and apply both categories toward the cost of replacing your home. [CA Ins. Code 10103.7(a)] Some people also use a portion of their contents coverage toward the cost of replacing their home. Personal Property (Contents) – In the event of a covered total loss resulting from a declared state of emergency, your insurance company must offer payment of no less than 30% of your policy limit for your Dwelling, as long as your home was furnished at the time of loss. [CA Ins. Code 10103.7] This special rule is designed to help get as much cash as possible into your hands as quickly as possible. Personal Property Inventory If you are making a claim for contents related to a total loss of your primary residence, your insurer shall not require you to use a company-specific inventory form. They must agree to accept any home inventory that you provide, if that form contains substantially the same information. Moreover, they must also agree to accept reduced itemization, or “bulking” of items (i.e., “15 books” instead of listing all titles). [CA Ins. Code 2061(a)(2)(3)] Claim Handling and Time Frames Your insurance company must disclose all benefits, coverages, time limits, or other provisions of any insurance policy that may apply to the claim presented. When additional benefits might reasonably be payable under an insured’s policy upon receipt of additional proofs of claim, the insurer must immediately communicate this fact to you and cooperate with and assist you in determining the extent of their liability. [10 CCR 2695.7(a)] Processing your claim 15 days – Your insurance company must acknowledge that they have received your claim within 15 days after you give them notice. They must provide you with the forms you’re required to complete and provide you with reasonable assistance. [10 CCR 2695.5(e)] Investigating your claim 15 days – Your insurance company must begin any necessary investigation within 15 days of receiving your claim. [10 CCR 2695.5(e)] Every insurer shall conduct and diligently pursue a thorough, fair and objective investigation and shall not persist in seeking information not reasonably required for or material to the resolution of a claim dispute. [10 CCR 2695.7(d)] Communicating information to you 15 days – Your insurance company must answer your questions and reply to your communications, including phone calls, emails, and letters, immediately but in no event more than 15 calendar days. [10 CCR 2695.5(b)] 15 days – Upon request, your insurance company must produce a copy of your claim-related documents within 15 days. [Cal Ins. Code 2071] 30 days – Upon request, your insurance company must provide you with a complete copy of your policy within 30 days. [Cal Ins. Code 2071; 2084] 75 days – California currently requires 75-day notice of an insurer’s intent to non-renew a policy. [Cal Ins. Code 678 (c)(1)] 6 months – If, within a 6-month period, your insurance company assigns a third (or subsequent) adjuster to handle your claim, the insurance company must provide you with a written status report. This report must include a summary of losses and payments made, the amount of coverage, and whether they have hired any professionals to assist with the claim. [Cal Ins Code 2071] If the claim arises from a state of emergency and you are assigned a third or subsequent claims adjuster, the insurer shall provide the insured a primary point of contact and a direct means of communication. [Cal Ins. Code 14047] Paying or denying your claim 40 days – The insurance company must accept or reject your claim in whole or in part within 40 days of receiving proof of claim. If they reject your claim, they must list all factual and legal bases for doing so with explanation of any applicable statute or other law. [10 CCR 2695.7(b)] 30 days – If the insurance company accepts your claim, they must pay the undisputed portion of the claim immediately, but not later than 30-days. [10 CCR 2695.7(h)] 30 days– If an insurer needs more than 40 days to make a decision, they must communicate to you in writing their need for more time. In addition, they must explain what they need to make their decision, and provide an estimated time frame. [10 CCR 2695.7(c)(1)] Preserving your rights 60 days – Your insurance company must provide written notice to you within 60 days of deadlines that cut off your right to collect additional benefits or file a lawsuit. The notice must clearly state the time limit and how it will impact your rights. Look for language that says, “Suit Against Us” or similar language, as this may start the clock ticking. [10 CCR 2695.7(f)] Fair Depreciation Almost every policy allows an insurance company to depreciate your property to reflect its value at the time of the loss. They must consider both the age and condition of the property. [Cal Ins. Code 2051 (b)]; [10 CCR 2695.9] You generally have the right to collect the difference between that depreciated amount and what it costs you to replace the property, depending on the policy language. You also have the right to know how your insurance company calculated depreciation and how they calculated their settlement offer. [Cal Ins. Code 2071]; [10 CCR 2695.9] There are no “official” depreciation schedules, insurance companies vary on these calculations, so you should advocate for fair valuation of your property. Actual Cash Value (ACV) ACV must be calculated as “the amount it would cost the insured to repair, rebuild, or replace the thing lost or injured, less a fair and reasonable deduction for physical depreciation based upon its condition at the time of injury.” A deduction for depreciation can only be applied to things that normally “wear out” and cannot be applied to labor. This definition applies to both total and partial losses. [Cal Ins. Code 2051] SPECIAL TIME LIMITS for losses relating to a “State of Emergency” Collecting Full Replacement Cost For claims relating to a state declared emergency, you have no less than 36 months from the date that the first payment toward actual cash value is made to collect your full replacement cost. [Cal Ins. Code 2051.5(b)] Additional extensions of six months shall be provided to policyholders for good cause. Additional Living Expense Coverage For claims relating to a declared state of emergency, you have no less than 24 months from the inception of the loss, but shall be subject to other policy provisions. An insurer shall grant an extension of up to 12 additional months, for a total of 36 months, if you are acting in good faith and with reasonable diligence encounter delays in the reconstruction process beyond your control. Additional extensions of six months shall be provided to policyholders for good cause. [Cal Ins. Code 2060(b)(1)] Time Limit to File a Lawsuit For claims relating to a state declared emergency, the time limit to bring suit is 24 months from the date your claim is paid (or denied). [Cal Ins. Code 2071] Non-Renewal/Cancellation For total loss claims caused by a disaster, the insurer shall offer to renew coverage for the next two annual renewal periods. The insurer also cannot cancel coverage while a structure that suffered a total loss from a disaster is being rebuilt. [Cal Ins. Code 675.1(a)] For claims relating to a state-declared emergency, insurers also cannot cancel or refuse to renew a policy of residential property insurance for a property located in a ZIP code within or adjacent to the fire perimeter for one year. The ZIP codes impacted are published in a bulletin by the Insurance Commissioner. [Cal Ins. Code 675.1(b)] | ||||||||||||||
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A | B | C | D | E | F | G | |
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1 | Rebuilding Information | ||||||
2 | Rebuilding your home after a disaster is a complex but manageable process with the right preparation, decisions, and partnerships. Whether you choose to rebuild or buy a replacement home, this section outlines critical steps, questions to ask, and tips for a successful recovery. | ||||||
3 | Return to Introduction Page | ||||||
4 | 1. Rebuilding or Buying a New Home: | ||||||
5 | You can use your insurance benefits to either rebuild your home or purchase a replacement. Buying is ideal for those who want to avoid construction or relocate to a safer area. | ||||||
6 | In states like California and Colorado, laws protect your right to collect full insurance benefits for a replacement home without deductions for land value or code upgrades. | ||||||
7 | Work with your insurer to determine the theoretical cost of rebuilding your home (including upgrades and extensions), as this amount will guide your settlement. | ||||||
8 | Learn more here: https://uphelp.org/claim-guidance-publications/buy-or-rebuild-faqs-on-replacing-a-dwelling-after-a-total-loss/ | ||||||
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10 | 2. Choosing the Right Contractor | ||||||
11 | Hiring a qualified contractor is the most important step to ensure a successful rebuild. Use these questions to evaluate potential contractors: | ||||||
12 | -Do you have a valid contractor’s license, business license, and insurance? | ||||||
13 | -Can you provide detailed estimates, references, and proof of similar experience? | ||||||
14 | -Who will supervise the project, obtain permits, and assist with material selection? | ||||||
15 | -How do you manage billing, change orders, and scheduling? | ||||||
16 | -How will you protect my property during construction? | ||||||
17 | Always check references, licenses, and past reviews. Consider working with multiple contractors to get competitive bids or negotiate a Guaranteed Maximum Price (GMP) contract for cost transparency. | ||||||
18 | Learn more here: https://uphelp.org/claim-guidance-publications/questions-to-ask-a-repair-rebuilding-contractor/ | ||||||
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20 | 3. Negotiating and Managing Contracts | ||||||
21 | Strong Contract Terms: Avoid vague or open-ended agreements. Define clear costs, timelines, and responsibilities. | ||||||
22 | Insurance and Liability: Require General Liability insurance and a Builder’s Risk policy to cover property damage during construction. | ||||||
23 | Payment Protections: Avoid large upfront payments and ensure lien releases are collected before issuing payments to avoid disputes with subcontractors. | ||||||
24 | Project Timelines: Include deadlines and penalties for delays to keep the rebuild on track. | ||||||
25 | Learn more here: https://uphelp.org/claim-guidance-publications/rebuilding-101-a-guide-to-the-reconstruction-process/ | ||||||
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27 | 4. Managing Change Orders | ||||||
28 | Expect changes due to unforeseen conditions or design adjustments. Minimize costly changes by thoroughly reviewing plans and preparing for potential issues. | ||||||
29 | Always document change orders in writing, including cost and timeline impacts. | ||||||
30 | Learn more here: https://uphelp.org/claim-guidance-publications/rebuilding-101-a-guide-to-the-reconstruction-process/ | ||||||
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32 | 5. Administering the Rebuilding Process | ||||||
33 | Hold regular site meetings with contractors, architects, and key stakeholders. Use written minutes to track progress, responsibilities, and any issues. | ||||||
34 | Address problems promptly to avoid escalating costs and delays. Written documentation is critical for resolving disputes. | ||||||
35 | Learn more here: https://uphelp.org/claim-guidance-publications/rebuilding-101-a-guide-to-the-reconstruction-process/ | ||||||
36 | |||||||
37 | Key Takeaways | ||||||
38 | Be proactive in researching, hiring, and managing contractors to avoid costly mistakes. | ||||||
39 | Stay flexible and prepared for changes during construction. | ||||||
40 | Maintain thorough records of all agreements, payments, and progress to protect your interests. | ||||||
41 | Communicate openly with your contractor, insurer, and team to ensure a smooth rebuilding process. | ||||||
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A | B | C | D | E | F | G | |
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1 | Key Terms and Definitions | ||||||
2 | Return to Introduction Page | ||||||
3 | Term | Definition | |||||
4 | Actual Cash Value (ACV) | The value of an item minus depreciation. | |||||
5 | Replacement Cost Value (RCV) | The cost to replace an item without deducting depreciation. | |||||
6 | Depreciation | A reduction in value based on age, wear, and tear. | |||||
7 | Scope of Work | The detailed outline of work required for repairs. | |||||
8 | Policy Limits | The maximum amount covered by your insurance for a specific claim. | |||||
9 | Deductible | The amount you must pay out of pocket before your insurance begins to cover a claim. | |||||
10 | Loss of Use Coverage (ALE) | Coverage for temporary housing and additional living expenses incurred while your home is being repaired or rebuilt. | |||||
11 | Endorsement (Rider) | An optional addition to your insurance policy that modifies coverage, such as adding flood or earthquake protection. | |||||
12 | Exclusion | A situation or event that is not covered by your insurance policy (e.g., floods in standard homeowners insurance). | |||||
13 | Adjuster (Claims Adjuster) | An insurance professional who assesses property damage and determines the payout for a claim. | |||||
14 | Public Adjuster | An independent claims adjuster hired by the policyholder to assist in negotiating a claim settlement. | |||||
15 | Scope Creep | When the scope of work expands beyond the original estimate, often leading to higher costs. | |||||
16 | Appraisal Process | A formal process for disputing the value of a loss between the policyholder and the insurance company. | |||||
17 | Subrogation | When your insurer seeks to recover costs from a third party responsible for the damage. | |||||
18 | Catastrophic Loss | A significant loss event, often resulting in a declared disaster or mass damage in a region. | |||||
19 | Mitigation | Steps taken to prevent further damage after a loss (e.g., tarping a damaged roof). | |||||
20 | Proof of Loss | A formal document submitted to the insurer detailing the loss and amount claimed. | |||||
21 | Replacement Cost Estimate (RCE) | The projected cost to rebuild or repair a property based on current market rates. | |||||
22 | Claim Settlement | The final agreement between the policyholder and the insurer regarding the amount to be paid for a loss. | |||||
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1 | Donation Tracker | |||||||||||||||
2 | Use this inventory to track any money, gifts, gift cards, food, service, or other donation received. | |||||||||||||||
3 | Return to Introduction Page | |||||||||||||||
4 | Item # | Gift Type | Gift/Amount | Store (If Applicable) | Gift From | Check Box When Balance is $0 | Thank You Sent | |||||||||
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