As one of the most devastated regions in recent history, the LA wildfires have left thousands without homes or livelihoods. For those affected, insurance claims can provide a lifeline to recover lost property and expenses. Sean Andrade, managing partner of Andrate Gonzalez LLP, a boutique litigation firm in Los Angeles, shares his advice for those impacted.
Insurance companies are bracing themselves for $30 billion in potential losses from the LA wildfires. To maximize their chances of recovery, victims should start the claim process as soon as possible. This includes contacting the insurance company with an address update and requesting a copy of the policy. Listing an inventory of damaged items can also help determine the extent of damages.
However, it’s crucial to understand that insurance policies vary significantly, and the amount recoverable will depend on the specific language and limits. Insurers may advance up to 30% of property values or four months’ worth of living expenses, but these advances are usually paid within weeks via check. Insurers cannot negotiate claims below reasonable value.
For those struggling to cope with the aftermath, tracking displacement expenses and updating addresses is vital to avoid further losses. The California FAIR Plan, insurance through the state, may not provide sufficient coverage for all losses, especially in areas where insurers have left.
In some cases, litigation can provide additional recovery beyond insurance payouts. If parties are found liable for the fires, victims may be able to recoup their losses, including personal injury damages for pain and suffering and emotional distress.
It’s essential to take a break if needed and seek help from friends and professionals during this stressful period. By following these steps and working with experts like Sean Andrade, LA wildfire victims can increase their chances of recovery.
Source: https://www.businessinsider.com/wildfire-victims-tips-get-insurance-money-la-litigator-lawyer-california-2025-1