Recovering after the wildfires: A guide for LA homeowners

We’re heartbroken by the devastation caused by the recent wildfires and stand with our resilient Los Angeles community during this challenging time. As an LA-based company with our headquarters in this incredible city, we feel deeply connected to the homeowners and neighborhoods affected by these events. Many homeowners have shared how daunting it feels to tackle the rebuilding process, from filing insurance claims to navigating permitting and construction. While this guide isn’t a substitute for professional legal or financial advice, we’ve consulted with our network and completed research to compile practical tips and resources tailored to LA homeowners. Our mission is to stand by you every step of the way, offering the support and resources you need as you rebuild and recover. If someone you know needs support, please share this guide.

What’s included in this article:

• Kicking off the insurance process
• How to avoid scams
• Navigating permitting processes
• Local and state resources

Kicking off the insurance process

To begin the insurance process after a disaster, file a claim with your insurer and request a full copy of your policy. In California, insurers are required to respond promptly to questions, provide claim-related documents within 15 days, and deliver a complete copy of your policy within 30 days. While reaching out, document all interactions and communicate in writing to avoid disputes.

For our full guide on navigating the insurance process, click here.

How to avoid scams

Unfortunately, natural disasters often attract individuals and parties looking to take advantage of vulnerable homeowners. Be especially vigilant when working with public adjusters and general contractors.

To help protect yourself, we've created a guide on avoiding scams.

Navigating permitting processes

Local authorities may offer expedited permitting processes to facilitate rebuilding. However, even with these measures in place, the rebuild process is likely to take many months.

To help homeowners understand the process, we've put together a guide with essential permitting information for LA City and LA County homeowners.

Local and state resources

We recommend you continue checking local and state resources, such as disaster assistance programs, that may provide additional support or guidance as you navigate the claims process. Here are a few we’ve gathered:

• Los Angeles Wildfire Recovery Resources
• FEMA Wildfire Resources
• California LA Fire Resources
• California Department of Insurance Press Releases
• California Department of Insurance Workshops
• United PolicyHolders - Insurance Claim and Recovery Help
• Fire Damage Maps: Palisades and Eaton
• Eaton Fire Community Meeting
• LA City Return and Rebuild Executive Order
• Gov Newsom’s Executive Order Removing Environmental and Coastal Building Rules

How Realm is here to support you

We understand that every homeowner impacted by the wildfires is navigating this journey in their own way—some are still processing the loss, while others are ready to gather information and start rebuilding. As proud members of the Los Angeles community, our goal is to support homeowners in whatever way they need. Whenever you're ready, our team at Realm is here to provide guidance and assistance. Learn more here.

As we continue to gather insights and updates, we will update this blog post accordingly. However, for the most accurate and up-to-date information, we encourage you to consult directly with your insurance broker, local government agencies, or a qualified attorney.

Disclaimer:
The information and resource links provided on this website are intended for general informational purposes only and do not constitute legal advice. While efforts have been made to ensure the accuracy of the information, it is not guaranteed to be complete, up-to-date, or applicable to your specific situation. This website is not operated by a licensed attorney, and the information provided should not be relied upon as a substitute for professional legal advice.