After a Wildfire
Wildfire insurance claim checklist
A wildfire insurance claim can feel like a lot of paperwork at a hard time. Broken into steps, it is far more manageable. This is a general checklist to help you stay organized. Your own policy is the final word on what is covered, so use this as a friendly map rather than a rulebook.
Open your claim
Start by contacting your insurance company or agent to report the loss. You can do this even if you are not yet back home. Ask for your claim number, write it down with the date, and note the name of anyone you speak with. Opening the claim begins the process and connects you to an adjuster who will guide the next steps.
Ask about loss of use and living expenses
Many homeowners and renters policies include "additional living expenses" or "loss of use" coverage. This can help with temporary housing and certain extra costs while you cannot live in your home. Ask your insurer how to request an advance for immediate needs, what the coverage limit is, and what kinds of expenses qualify. Keep every receipt, including for meals, lodging, and supplies, even small ones.
Build a contents inventory
An inventory is simply a list of belongings that were damaged or lost. It does not have to be done all at once. Go room by room when you are ready, and include what you remember even if the item is gone. Photos, video, receipts, and old shopping records all help. Our documentation and evidence guide shows practical ways to build this list without stress.
- Note the item, a rough age, and any brand or model you recall
- Group by room to make the list easier to complete
- Attach photos or receipts where you have them
- Save and back up your list as you go
Get key things in writing
Verbal updates are easy to forget. When your insurer explains coverage, approvals, or next steps, ask for confirmation by email or letter. Keep a running log of calls with dates, names, and what was said. Written records make the whole process clearer and easier to follow.
Prepare for adjuster meetings
An adjuster will review your loss and explain your coverage. Before a meeting, gather your documentation, your inventory so far, and a list of questions. During the visit, take your own photos and notes. It is completely reasonable to ask the adjuster to explain anything you do not understand and to put important points in writing afterward.
Helpful questions to ask
- What does my policy cover for the dwelling, contents, and loss of use?
- How do I request an advance for urgent needs?
- What documentation do you need from me, and by when?
- Can you confirm approvals and next steps in writing?
Know where to get neutral help
If you have questions about how claims work or feel stuck, the California Department of Insurance is a public resource that helps consumers understand their rights and can assist with concerns about the claims process. You can learn more on the official site at insurance.ca.gov. Our California recovery resources page lists other places that can help.
Filing a claim is recovery guidance, not legal advice, and this page does not assess any individual situation. If you have a legal question about your claim, you can talk to a licensed attorney.