California Wildfires Attorney
California Wildfires Attorney

Environmental Impact

THE WILDFIRE RECOVERY AND REBUILDING PROCESS

Collect Evidence

The first thing to do after getting to disaster site is to assess the damage. For best results, bring a camera or a smartphone along. Pictures and videos of the immediate property condition can give you the evidence needed to demand fair insurance compensation after a wildfire. This is also the time when you should begin drafting an insurance claim journal that will feature all the vital data.

Contact the Insurance Company

It’s difficult to emphasize the importance of getting in touch with your insurance agent as soon as possible. The claims process starts once you establish that first contact. In the case of wildfire damage, insurance companies deal with thousands of claims, so calling them right away will speed your claim. When you call, an adjuster will be assigned to your case.

Remove Debris/Minimize Damage

Refrain from doing cleanup before the adjuster visits the site. The only exception is for debris or damaged structures that will pose a danger or contribute to additional property destruction. In such instances, you can perform minor cleanup. Always use a camera or video to document the original condition of the property before getting started with safety removals. The photos and videos should be available during the insurance adjuster’s visit.

Work with an Adjuster

Adjusters are responsible for documenting the loss and assessing the scope of the damage. You have to be present at the venue when the adjuster arrives to carry out an inspection. The losses will be documented thoroughly, establishing the settlement amount a homeowner will be offered. On occasions, the insurance company’s adjuster may come up with a number that’s too low. In such instances, homeowners should either consider hiring public adjusters who aren’t employed by insurance companies or getting in touch with an experienced attorney.

Assess the Scope of Work

The scope of work is a detailed plan that will give you an idea about the most important processes to complete for the purpose of restoring the property. If you don’t have the knowledge and the experience to assess the scope of work on your own, you should either visit the property site with a contractor or a public adjuster. The stages of restoration work will also be determined this way.

Find the Right Contractor

Restoring your property is all about hiring an experienced, knowledgeable team to handle all of the tasks. Finding the right contractor is going to be a challenge in the aftermath of a widespread natural disaster. Still, take your time, check references and ask for referrals before hiring anyone. Contractors who get in touch with you or rush you into a signing an agreement should make you suspicious.

Communicate with Insurer & Save Receipts

Communicate with the insurance company on a regular basis and enter all of the information in your claim journal. Keep receipts of the cleanup or hazard elimination work you have done for the purpose of communicating these costs with the insurer later on. If correspondence with the insurance company is taking place via email, save these digital logs. The level of documentation should be similar to getting ready for a lawsuit or an audit.

Get Professional Assistance

If you believe that the insurance company is postponing the provision of financial compensation or that you’re being offered an amount that’s too low, you should get in touch with an experienced attorney. A lawyer will represent your interests, negotiating with the insurance company and getting started with a lawsuit upon necessity. While some homeowners worry about the cost of legal assistance, the financial implications are going to be much more serious in the case of unfair compensation or a denied insurance claim.

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