Understanding insurance claims
How carriers evaluate wildfire losses, the difference between ACV and replacement cost, and where claims commonly go sideways.
Wildfire Disaster Assistance
Helping wildfire victims recover financially.
Fire disasters change lives overnight. Whether you lost a home, suffered smoke damage, experienced evacuation expenses, or believe a utility company or other party may be responsible, our team can help connect you with experienced wildfire claim professionals.
- No fees to submit information
- Free claim review
- Confidential consultation
- Nationwide assistance
About
Every wildfire claim is different.
Wildfire claims are among the most complex legal and insurance matters in the country. No two fires are identical. Liability differs. Insurance coverage differs. Government assistance differs. Property damage differs. Business interruption claims differ.
The right strategy depends on your individual circumstances. We help connect victims with experienced wildfire claim professionals who understand these unique cases.
Independent resource — not a law firm.
Who we help
Wildfire impact takes many forms.
You don't have to have lost your home to have a claim. We assist a wide range of wildfire-impacted households and businesses.
Homeowners
Total loss, partial damage, or structural repair claims.
Renters
Lost belongings, displacement costs, and relocation expenses.
Business Owners
Physical damage, inventory loss, and business interruption.
HOA Communities
Common-area damage and community-level wildfire impacts.
Commercial Property Owners
Multi-tenant losses, lease impact, and rebuild planning.
Smoke Damage Claims
Indoor air quality, HVAC, soft goods, and personal property.
Recent fires
Which wildfire affected you?
Select your wildfire to get started. Don't see it listed? Choose "Other Wildfire" and we'll take it from there. We continually update this list as new incidents occur (CAL FIRE).
Eligibility
Request a free, confidential claim review.
Tell us a bit about your situation. There's no cost to submit, and we'll only share your information with vetted wildfire claim professionals who can help.
- No fees to submit information
- Free claim review
- Confidential consultation
- Nationwide assistance
Education
Read the full guide Before you hire an attorney.
A short, plain-language guide to the topics that come up most often after a wildfire — so you can make informed decisions about your next steps.
Utility negligence investigations
When a utility's equipment, vegetation management, or operating decisions may have contributed to a fire.
Mass tort vs. individual lawsuits
How wildfire cases are organized, what 'mass tort' really means, and how individual recoveries can differ.
Property documentation & evidence
Photo inventories, receipts, repair estimates, and the records that strengthen any wildfire claim.
Time limits
Statutes of limitation and claim deadlines vary. Acting early protects your options.
Government assistance
FEMA, SBA disaster loans, and state-level recovery programs that can run alongside private claims.
FAQ
Common questions from wildfire victims.
Yes. Many wildfire victims with insurance are still eligible to pursue additional compensation — particularly when a utility, equipment failure, or other third party is found responsible for the fire. Insurance recovery and third-party claims are separate tracks and can run side by side.
You don't have to navigate this alone.
Take the two-minute Wildfire Recovery Assessment and find out whether your situation qualifies for a complimentary professional review.
Start the assessment