Start by contacting your insurance provider to report the damage and begin the claims process, documenting everything with photos and an inventory of losses. For tips on navigating the insurance process, click here. Check for local resources and disaster recovery programs, such as FEMA or nonprofit assistance, to support your recovery. Consult reputable contractors to assist with rebuilding, and if you need help finding vetted professionals, Realm is here to support you.

Public adjusters can help negotiate higher insurance settlements, but their value depends on the situation. They may be helpful for partial rebuilds or smoke-damaged homes but are often less effective for total losses, as most homeowners in these cases already receive their policy limits. While they can assist with cataloging personal property, total losses often require homeowners to reconstruct inventories themselves. If your home was completely destroyed, proceed cautiously with public adjusters. Learn more here about how to avoid scams.

Unlicensed, uninsured, and low-quality contractors often flood the market after natural disasters. To protect yourself from scams, choose a reputable local contractor. Verify their license and insurance, ask for references, and get multiple quotes to avoid price gouging. Structure payments around project milestones rather than making large upfront payments. Finally, sign a detailed contract that clearly outlines the scope of work, timeline, and payment terms to ensure accountability. If you need help finding a trustworthy contractor, Realm is here to assist.

Rebuilding usually requires permits for construction, electrical, plumbing, and other aspects of the work. Contact your local building department to determine the specific permits needed for your project. Many local authorities offer expedited permitting processes to help streamline rebuilding efforts. Learn more in our permitting guide, and for additional information visit Los Angeles City Planning or Los Angeles County Public Works.

Rebuilding timelines can vary widely, depending on factors such as the extent of the damage, local permitting processes, and the rebuilding of essential infrastructure like electricity, gas, and water. Neighborhoods with underground utilities may experience shorter delays. Before construction can begin, critical steps such as completing insurance assessments, clearing rubble, removing toxic waste, and treating soil in coastal areas must be addressed. These processes contribute to the overall timeline for recovery and rebuilding.