We're all overwhelmed and there are dozens of separate resources.
Here's a simple curated site to help.
Organized by a generational Palisadian who lost their home.
💰 Issues with Insurance? Visit the gov resource center or call 1-800-927-4357
🏊 Got a pool? Pool Drainage Guidance
🏗️ Start the rebuild? The Rebuild Handbook by RebuildLAArchitecture.com
Some main updates from the 2/13 PPCC meeting:
2/14 Warning: Roadblocks and mudslides due to rain may block entry. Mudslides have closed many areas of PCH and Palisades Drive. Residents recommended to stay inside.
2/11
👷 According to the Mayor's office, Debris Phase 2 Cleanup is starting this week (via PPCC newsletter.)
Mayor Bass Community Briefing: Tuesday, February 11, 5pm via Zoom. Topics to include: one stop permitting center to open this week; restoration of power and ongoing water testing; preparations ahead of the storm.
Community Webinar with EPA & FEMA: Tuesday, February 11, 6-7:30pm via Zoom. Hosted by CW Park/CD 11. The meeting will include information about the storage of hazardous waste at Will Rogers.
Fire Recovery Town Hall: Wednesday, February 12, 6pm, via Zoom. Hosted by Supervisor Lindsey Horvath. County Assessor Jeffrey Prang will join the Supervisor, along with representatives of County Public Works, Public Health, the EPA, FEMA, the Army Corps of Engineers and the Insurance Commissioner.
PPCC Board Meeting: Thursday, February 13th, via Zoom. Joined by key city officials, including Vahid Khorsand (LA City Board of Public Works President), Ted Allen (City Engineer & Debris Manager), and Julie Allen (LA Sanitation Assistant GM & Watershed Protection Task Force Chair), along with other potential agency heads. They’ll update us on public infrastructure recovery and answer our questions. Full agenda.
2/4
Pacific Coast Highway Closing Due to Storms
🚧 Closure Starts: Tuesday, February 4 at 3 p.m.
🚧 Who Can Pass: Only essential workers (first responders, utility crews, recovery teams)
🚧 Closure Area: Chautauqua Blvd (Los Angeles) to Carbon Beach Terrace (Malibu)
The highway is closing as a precaution due to expected storms that could cause mudslides and debris flows. Residents can access homes via Chautauqua Blvd with proper passes. The closure will last until at least Friday, February 7, when conditions will be reassessed.
Special Meeting on the Recovery Process with Steve Soboroff
Tuesday, February 4, 2025
6pm - 8pm
Via Zoom Webinar
https://us06web.zoom.us/j/84111605841
2/1 (9pm PT) - Update: Mayor Bass backs down from removing checkpoints.
2/1 - LAPD Surge for Palisades Reopening
Mayor Karen Bass announced a zero tolerance LAPD surge for Sunday’s 8:00 AM reopening of the Palisades. 33 patrol cars will be deployed 24/7, along with automated license plate readers. A command post will be set up at Will Rogers State Beach, with a strike force patrolling the area.
Key Updates:
Debris Removal Progress:
The reopening will be closely monitored by city, state, and federal agencies. Expect extreme congestion—avoid the area if possible.
1/31 - From Karen Bass:
I am holding a virtual community meeting this afternoon, Friday, January 31 at 3:00 PM to share plans to safely lift restrictions in the Palisades as we continue to rebuild this community together.
SIGN UP FOR THE COMMUNITY MEETING
Joining me are Councilwoman Traci Park, City Attorney Hydee Feldstein Soto, District Attorney Nathan Hochman, and LAPD Chief Jim McDonnell.
1/30 - Thursday, January 30, at 5:00 PM, Insurance Commissioner Ricardo Lara will host a virtual town hall to answer questions about insurance. Sign up here.
1/28 - Debris Town Hall was held. Watch the briefing recording here.
Here's what the Circling the News had to say.
Debris removal and right of entry forms for Phase 2 removal: https://recovery.lacounty.gov/
This is not first come first served, however best to stay ahead of these things and do them as they come so you don’t let things slip by.
Note: even if you want to speed up things on your own with your own debris removal, I would suggest opting-in to the debris removal process and then opting out later once you have the pricing and service provider for the job.
1/26 - Debris Removal Town Hall Recording Summary and Timestamps
1/24 - Trump's Palisades Briefing Summary and Timestamps
1/23 - PPCC Fire Meeting Summary and Timestamps
1/24 - Filing and payment relief
Affected individuals and businesses will have until Oct. 15, 2025, to file returns and pay any taxes that were originally due during this period.
This means, for example, that the Oct. 15, 2025, deadline will now apply to:
---------------------------- 1/19 ----------------------------
If you're interested in potentially selling your property and want resources: Get email updates here. I'll try to send helpful info on selling your lot, what other neighbors are being offered, new regulations, and new resources to help you get the most for your property.
Join a private directory for Palisadians who want to sell or buy lots here.
(Note: Please try to keep this within the community.)
Use this link to join the specific WhatsApp groups for insurance (this has been expanded)
Potential Sources of Liquidity Ideas from Goldman Sachs
Upfront Claim Payment: California has declared a state of emergency, and insurance companies may be required to make an upfront payment of 1/3 the estimated value of your personal belongings (also known as contents) and a minimum of four months’ rent in your local area.
Disaster Loans: Low-interest loans in declared disasters areas are available to homeowners, renters, small business owners, and private nonprofit organizations. See the US Small Business Administration.
Lines of Credit: Speak with your advisor about a line of credit secured by your investments. This is often called a "Pledged asset line."
Life Insurance Loans: Contact your insurance agent for information about loans that may be available against the cash value of life insurance policies.
Access to Retirement Plan Funds: The SECURE 2.0 Act of 2022 created easier access to retirement assets for victims of federally declared disasters — including relaxed loan, distribution, and repayment rules. Loans from a retirement plan are generally limited to the lesser of $50K or 50% of the account balance.
Employer Assistance Opportunities: In the aftermath of a national disaster, employers may provide assistance to their employees — including penalty-free retirement plan distribution options and charitable relief funds.
Rebuilding Reminders
1/15/25
Stores in Century City Mall Offering Discounts for Fire Victims:
- Vuori (40%) - ask if they are still doing donations as they've given out many
- Banana Republic (40%)
- Travis Matthews (40%)
- Levi's (30%)
- Stance (30%)
- Bloomingdale's (25%)
- Lululemon (25%)
- Alo (15%)
- Aritzia (20%)
1/14/25
Ask your insurer to advance 4 months of living expenses, and 30% of your personal property limits up to $250,000. Your insurer is required to provide you this under California law.
Insurance Regulations In Place to Protect You (From the Beverly Hills Bar Association):
1) Insurer must advance 4 months of ALE immediately when you lose your home in a declared
state of emergency. CA Ins. Code 2061 (a)(1).
2) If you don’t want to rebuild, you can use ALL of your coverages, including extended
replacement coverage and building code upgrades, to purchase a new home or rebuild. Cal
Ins. Code 2051.5 (c); CA Ins. Code 10103.7(a)
3) Insurer cannot deduct the value of your land from a replacement home purchased. Cal Ins.
Code 2051.5 (c)(2)
Wear protective gear and return home only when it's safe. Secure temporary housing through Airbnb assistance, FEMA support, insurance-provided Additional Living Expenses (ALE), supply has been lowered at the same time demand has increased. Be on top of it.
File claims promptly, document every conversation with your adjuster, keep track of all costs during this time, take photos of receipts, and consider legal or professional help, like public adjusters or contingency-based firms, if pushback arises.
Partner with trusted architects and contractors to design a fire-resilient home, using insurance funds and resources like SBA loans. Incorporate fire-resistant materials and defensible space to prepare for the future. If you're considering selling instead of rebuilding, go here for resources.
Make sure you and your family are safe. Nothing is more important.
A home is a home because of the people that make it one.
Allow yourself grace as you navigate this challenging and overwhelming process.
Let's express as much gratitude we can. We'll get through this.
For mental health support, check out these therapists offering pro-bono work.
***Note: I'm not a lawyer, insurance agent or CPA. This is not legal or tax advice. I'm just a Palisadian who lost his home and is trying to organize all the most helpful content in one easy place to access. This is not a substitute for professional advice, but hopefully it helps you get through this!**
Insurance Tips:
File a claim. Do it now. Insurance will be overwhelmed. It's better to get in the queue.
They may request photos showing the loss of your property. You may be able to be escorted to your property for medications, and recover other necessities and valuables. Take photos while you're there and wear an N95 mask, the air is a cesspool of volatile compounds, plastics, and toxic building materials (especially if you had an older house which may have asbestos, lead paint etc.)
1. Keep a record of every conversation with insurance. You will not remember it all. After each call send your adjuster an email with everything that was discussed.
2. Ask your insurer to advance 4 months of living expenses, and 30% of your personal property limits up to $250,000. Your insurer is required to provide you this under California law.
3. Keep all your receipts of charges you make from here on out. Take a photo immediately of the receipt and save it to an album on your phone or Google Drive. Save the physical receipt too.
Insurance Regulations In Place to Protect You:
1) Insurer must advance 4 months of ALE immediately when you lose your home in a declared
state of emergency. CA Ins. Code 2061 (a)(1).
2) If you don’t want to rebuild, you can use ALL of your coverages, including extended
replacement coverage and building code upgrades, to purchase a new home or rebuild. Cal
Ins. Code 2051.5 (c); CA Ins. Code 10103.7(a)
3) Insurer cannot deduct the value of your land from a replacement home purchased. Cal Ins.
Code 2051.5 (c)(2)
Join The Insurance Specific Whatsapp Groups:
State Farm https://chat.whatsapp.com/KvEBAeeWIiV2fOtawtToYH
Mercury https://chat.whatsapp.com/D6ebKAVgBc5JzGvkKVvSDA
Knights https://chat.whatsapp.com/JhepZbSk6ifFWL35jDyTyN
AAA https://chat.whatsapp.com/EwYCBX8wQcRINrCxQLUVTY
USAA https://chat.whatsapp.com/GXLMTb7ZgvU3TsHIKPs0no
Calif fair plan group https://chat.whatsapp.com/GS8Eh7pjh5v7XpFCYq410n
Issues with Insurance? Call the gov resource center: 1-800-927-4357 or www.insurance.ca.gov
Public Adjusters that have come recommended:
Gary Baca
626-807-5415 (Cell)
Gary@counterpointpa.com
Brad Deutch, CPPA - CA Public Adjuster License No.: 2I18073
+1-866-706-9833 (Toll Free Direct)
+1-310-740-0078 (Cell)
+1-818-386-1313 (Office)
https://www.greenspanai.com/about/our-team/brad-deutch/
www.greenspan.com
FEMA is primarily for losses NOT covered by your insurance. If you have insurance you will likely get denied. However as you are able to see if losses will be larger than what is insured you may be able to file an appeal.
Apply For SBA Low-Interest Loans.
The Palisades is a special place, everyone who lived here knows it.
It won't be easy, but we can rebuild together.
If there are important additions to include or errors to fix please email j.atlanbiz@gmail.com.
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We are doing our best to give accurate information. If anything is inaccurate please email me at j.atlanbiz@gmail.com. Nothing in our content should be construed as legal, insurance, or tax advice. Please speak with professional help.