We're all overwhelmed and there are dozens of separate resources.

Here's a simple curated site to help.

For Palisadians to rebuild their homes and their lives.

GET UPDATES

Debris Removal Town Hall

(1/25/25)

Links & Phone Numbers Mentioned:

Phase 1 debris removal updates and the status of your lot: Recovery.lacounty.gov

1-800-675-4357 for requests, such as sandbags, and issues related to the condition of your slope and dealing with landslides from the rain.

LA County Public Works Fire Debris Hotline: 844-347-3332 | EPA Hotline: 1-833-798-7372

Summary:

Debris cleanup will happen in two phases. The first is done to remove the most toxic debris "low hanging fruit". This is mandatory and free.

Next is phase two, which you can opt-in or opt-out for on Recovery.lacounty.gov. This will be a free service and cover the area of your house that burned down. Phase 2 must happen after phase one. If you opt-out you may not be able to opt back in. If you opt-out you must get a permit to be able to do the removal.

Main Takeaways:

  • 12:28 🏗️ LA County is leading cleanup efforts, with support from multiple agencies to expedite debris removal and recovery. The county has deployed K rails and sandbags to prevent further disasters and is collaborating with state and federal agencies for quick debris removal.
  • 13:22 ⚠️ Debris is hazardous and should not be handled by residents; cleanup must be carried out by professionals.
  • 14:26 🏡 Efforts are being made to streamline permitting for debris removal to speed up the rebuilding process.
  • 16:03 🏠 The mayor emphasizes quick rebuilding efforts, with various measures in place to facilitate returning residents to their homes.
  • 17:19 🆓 The Army Corps of Engineers will offer free debris clearance as a recovery option.
  • 19:08 🌳 Concerns over how debris removal will affect surrounding areas, particularly with regard to unburned trees.
  • 21:27 🚨 Federal law limits aid for uninsured losses, with a maximum financial assistance cap necessitating additional lobbying for more support.
  • 24:09 🔧 State and local efforts aim to ensure quick recovery through immediate relief funds and expedited permitting processes.
  • 25:19 🌱 Local governments are receiving additional funding to speed up housing recovery and permit processes.
  • 26:50 🏦 Residents are advised to be cautious of predatory land buyers during this vulnerable time.
  • 30:20 🛠️ Agencies including LA County Public Works and EPA are involved in ongoing debris removal and prevention efforts to ensure community safety.
  • 36:39 🏛️ Local officials emphasize community input for effective project planning and execution.
  • 37:22 🇺🇸 Debris cleanup is federally funded, with the US Army Corps of Engineers executing the project under FEMA's direction.
  • 38:02 🔍 A system for verifying property ownership is in place, crucial for debris removal and rebuilding preparation.
  • 39:13 📝 Property owners need to give 'Right of Entry' permission for debris removal, verified by the county.
  • 39:40 📞 Sign-up for the debris removal program starts Tuesday, via a dedicated phone number and website.
  • 40:23 🌐 Property owners can opt for a government-run free program or handle debris cleanup using personal funds.
  • 41:36 🚜 The cleanup process isn't first-come, first-served; focus is on efficient property grouping.
  • 42:32 🏗️ Building permits can be applied for immediately, even if debris removal isn't complete yet.
  • 43:54 🤝 Community collaboration can expedite the debris removal process significantly.
  • 45:19 🛡️ Local government leaders commend federal, state, and local governance for their support in recovery efforts.
  • 46:15 🌧️ Systems are in place to mitigate the impact of rain on burnt properties, safeguarding against landslides and environmental damage.
  • 47:19 🌈 There is a focus on rebuilding hope and optimism within the affected communities post-disaster.
  • 48:15 📚 The Army Corps of Engineers aims to educate and align terminologies with the community.
  • 49:23 ✔️ Transparent communication is emphasized to manage expectations and progress in the debris removal process.
  • 50:06 🕊️ The Army Corps of Engineers highlights the need for trust-building and collaboration with the community.
  • 51:00 🚦 Prioritization in debris removal accounts for public safety and operational efficiency on roadways.
  • 52:27 🛠️ The ultimate goal is property readiness for reconstruction through collaboration and effective debris clearance.
  • 55:47 🧑‍⚕️ LA County Public Health emphasizes health and safety during recovery, providing guidance tailored to specific property conditions.
  • 59:20 🔋 Lithium ion batteries pose a fire risk as they can reignite and release toxic gases; expert handling is required.
  • 01:00:06 ✋ Town hall Q&A rules include note card submission for questions and maintaining respect.
  • 01:01:17 🏡 Timeline for returning home depends individually on factors like permits and construction materials.
  • 01:04:13 🌧️ Re-entry delays are due to weather, but zones may open the next day if conditions improve.
  • 01:05:15 📜 Government debris removal options include a free program, requiring insurance coverage for debris removal to be handed over.
  • 01:07:18 🛡️ Residents advised to wear protective gear when returning to fire-damaged properties to avoid health risks.
  • 01:09:11 🎯 Army Corps of Engineers emphasizes proper entry procedures for effective debris removal.
  • 01:11:04 🏗️ Special attention needed for properties with landslide risk; professional assessment advised.
  • 01:15:00 👷 Contractors may be allowed entry after zone openings; morning discussions settle protocols.
  • 01:17:54 💼 Valuable personal property will receive due respect during debris removal stages; retrieval possible with re-entry.
  • 01:22:10 📦 Personal belongings can be retrieved post-fire once access is granted, but individuals should be aware of associated risks.
  • 01:23:36 🚫 Two zones currently have restricted access for safety reasons; residents will be notified when it’s safe to return.
  • 01:24:30 🌧️ Mudslides have complicated re-entry efforts; clearance is weather-dependent.
  • 01:25:09 🔄 A permit is needed for private debris removal; it must meet Army Corps standards.
  • 01:27:09 🏠 Remaining structures on private property will not be demolished without owner consent.
  • 01:28:06 🏗️ Only fire-damaged, uninhabitable properties are eligible for debris removal programs.
  • 01:29:01 ⚠️ Crews will enter properties in protective gear and conduct hazard assessments before debris removal.
  • 01:30:25 🚛 Debris, including ash, will be encapsulated and taken to appropriate landfills for disposal.
  • 01:32:13 📋 Property owners decide on foundation removal through entry forms; final inspections ensure safety.
  • 01:33:51 🌐 The EPA offers an online platform and hotline for homeowners to check debris removal status.
  • 01:36:21 🏚️ Foundations' structural integrity will determine if they remain or are removed; professional evaluation is advised.
  • 01:39:10 🏊 Pools will not be removed but will be made safe with protective barriers.
  • 01:41:07 🌳 Removal includes chimneys, hazardous trees, and debris—foundations are optional based on owner choice.
  • 01:42:19 🚫 Undertaking debris removal requires a county permit and adherence to safety standards.
  • 01:43:23 💧 Water systems are under review, and safe resumption depends on passing regulatory tests.
  • 01:44:34 🛠️ Water safety is under ongoing evaluation, with restrictions imposed by California authorities until clearance.
  • 01:45:29 🏠 The EPA is tackling over 15,000 properties, working rapidly to expedite phase one of removal.
  • 01:47:12 🚒 Recovery Process: The response to fire recovery involves a partnership that moves debris from an uncontrolled to a controlled environment, starting with hazardous materials.
  • 01:48:09 🧯 EPA's Role: EPA's phase one aims to remove hazardous materials before the Army Corps can start their work, to streamline and ensure safety.
  • 01:49:50 🛡️ Safety Gear: Workers handling phase one removal are cross-trained and use personal protective equipment suitable for the specific risks of each property.
  • 01:51:26 🌿 Vegetation Importance: Existing vegetation should remain for erosion control and pollutant uptake if it's stable, even if burned.
  • 01:52:23 🌧️ Sandbags Availability: Residents can access sandbags from fire stations or request via a provided contact number before storms.
  • 01:54:05 🌱 Soil Removal: EPA removes up to six inches of topsoil from lots instead of a full foot, focusing on hazard elimination.
  • 01:55:13 🏗️ One-Stop Rebuilding: A One-Stop shop will be established for rebuilding, with city departments available in the Palisades area.
  • 01:56:10 🎫 Opt-out Options: Homeowners cannot opt out of Phase One cleanup operations due to mandatory safety regulations.
  • 01:57:00 🔍 Hazard Testing: EPA focuses only on hazardous material removal, not on testing or regulatory oversight.
  • 01:57:54 🚧 Structure Safety: Retaining walls and other structures are assessed individually to avoid unnecessary removal, aiming to preserve safe components.
  • 01:59:13 🏠 Valuables Recovery: Valuable items found during cleanups are reported to authorities for safe return to owners.
  • 02:01:42 🔒 Access Permission: Reasonable documentation can allow agents to access properties on behalf of elderly or unavailable owners.
  • 02:02:50 🚫 Risk vs. Coverage: The government suggests consulting the Department of Insurance for guidance on property safety and coverage post-fire.
  • 02:05:03 🏛️ Infrastructure Legislation: Legislation aims to capture property tax increases for long-term recovery funding in affected areas.
  • 02:08:02 🌳 Tree Preservation: Discussions ongoing on preserving surviving trees; additional follow-up with local authorities advised.
  • 02:11:18 👶 Safety Concerns: Returning to structurally sound but nearby damaged properties carries risk; utilities and water safety are major concerns.
  • 02:13:09 🏗️ The town hall is focused on debris removal with plans to provide a fact sheet of frequently asked questions online post-session.
  • 02:14:28 🚧 There's major damage to public infrastructure, and coordination is underway to restore essential services like power, water, and sewer.
  • 02:15:08 🗓️ Hazardous debris removal assessments began on January 16, with material removal commencing soon and daily updates available online.
  • 02:15:47 🚚 Toxic fire debris will be transported to designated landfills, and efforts are made to minimize the impact on returning residents.
  • 02:17:10 🏡 Careful debris removal methods are used to minimize dust and air quality impact during the debris removal process.
  • 02:19:23 🚓 Law enforcement by LAPD, CHP, and National Guard will maintain a strong presence throughout the process.
  • 02:20:37 🏘️ Mobile home parks in the affected area will continue to be used as such, governed by state law and housing strategy.
  • 02:22:09 🏠 Property owners have authority over debris removal decisions when multiple tenants are involved.
  • 02:22:58 🔄 You can opt in or out of the public debris removal program, but cannot rejoin once opted out.
  • 02:24:49 🌍 Only debris within the burn area qualifies for the removal program, with support provided based on eligibility.
  • 02:25:19 💡 Specific certifications are required for private contractors to handle debris removal.
  • 02:26:23 👷‍♀️ Liability during debris removal lies with the county and contracted workers, with bonds and insurance in place.
  • 02:28:02 🏘️ Extensive plans include addressing older adults' needs, ensuring police presence, and using designated routes for transport.
  • 02:30:14 ✅ Phase one must be completed before construction permits are issued; debris removal decisions impact building processes.
  • 02:33:34 🔍 Areas that have completed debris removal can start rebuilding once permits are granted.
  • 02:35:35 🛑 Priority may be given to areas where homes are standing to expedite the return of residents.
  • 02:36:42 🛡️ Community members are advised to use protective equipment like N95 masks or P100 masks when returning to affected areas for safety.

1. BE SAFE & FIND HOUSING

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.

2. DEAL WITH INSURANCE

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.

3. REBUILD THE PALISADES

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.

FIRST OF ALL:

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!**


FIRE CONTAINMENT AND EVACUATION ZONES:

Download the Watch Duty App.


TEMPORARY HOUSING

Insurance Tips:

  • Request ALE coverage from your insurance for hotels and 12-month lease solutions. They are overwhelmed and not calling back some clients, do not rely on them finding a solution for you.
  • Besides covering rent, you may be able to request a stipend from insurance that allows you to save money by staying at more affordable accommodations or with friends and family. They may be able to start the stipend immediately. I was offered a $6k/month stipend from my Homesite Insurance via Geico.

FILING YOUR INSURANCE CLAIM

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)

Simplifying Processes

  • Content Claims: Some insurance companies are offering 75% of private property content limits without requiring detailed itemization. Ask your adjuster what's the best they can do without an itemized list.
  • Advance Payments: Request advance funds for immediate needs like lodging, clothing, and essentials while awaiting your full claim settlement. Palisadians have received tens of thousands up front.
  • Public Adjusters: Consider hiring professional help (they may take 10% of settlement fee.) This is most important if you face resistance or low-ball offers from your insurance. Information below.

Insurance Claims Support

  • Bright Harbor: Assists in creating disaster recovery plans, filing insurance claims, and connecting with vendors for recovery.
  • Legal Corner Law Office: A contingency-based firm helping homeowners maximize insurance claims after total loss or damage.
  • E5quire Law: Provides free consultations on insurance contracts and contingency-based representation for claims.


Public Adjusters that have come recommended:

Megan Withnell, SPPA - CA Public Adjuster License #2I33841

9301 Corbin Avenue, Suite 2100

Northridge, CA 91324

 

818-386-1313 (Office)

800-228-3550 (Toll Free)

818-489-5398 (Cell)

megan@greenspan.com

www.greenspanai.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)

brad@greenspan.com

https://www.greenspanai.com/about/our-team/brad-deutch/   
www.greenspan.com


FINANCIAL SUPPORT

Apply for FEMA Support.

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.

  • Fraud Prevention: Monitor your identity and ensure claims are not being made fraudulently in your name.
  • Chase Sapphire or Amex Benefits may cover purchase protection from recent purchases that were lost to the fire.


PROPERTY TAX RELIEF

  • Property tax relief is expected to be available for homeowners impacted by the fires.
  • Deadline: Forms must be filed within 12 months of the fire, so there’s no immediate action required.

    Second Installment Due: April 10, 2025.

    Option 1. Pay the full installment and request a refund later.

    Option 2. Do not pay and instead file Form ADS-820 by April 10, 2025 (Disaster Relief Form Link).
  • The LA County Assessor mentioned in a press conference that new legislation may provide further property tax relief. Property tax counsel is actively reviewing the situation for updated advice.

INCOME TAX DUE DATES

  • The President has declared the LA County fires a major disaster.
  • Potential Extensions: While the IRS and FTB (California Franchise Tax Board) have not formally announced extensions (as of 1/10), historical precedents suggest that due dates will likely be extended soon.
  • Recommendation: Consider holding off on paying Q4 federal and California estimated taxes (due January 15, 2025). Monitor for updates from the IRS and FTB, which are expected in the coming days. Talk to your CPA.

REBUILDING YOUR HOME

  • You have the option to rebuild or to take the cash they're offering you, however most have said it's better to tell insurance you plan to rebuild as they are more likely to take your case seriously.
  • If you choose to rebuild review these resources.
  • Check that contractors and architects are licensed (so you are less likely to get scammed.)
  • The permitting process will likely be highly expedited which is great, however the demand for construction may create significant delays.

REBUILD YOUR HOME RESOURCES

  • Rebuilding your home after a fire guide
  • Federal/State/Local Assistance
  • Architects & Home Builders
  • License Lookup for Architects and Homebuilders (make sure you don't get scammed)
  • Insurance Contacts
  • Building Department Contacts

The Palisades

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.

Click below to share on social media or share PaliHelp.org with your neighbors, in whatapp groups, or via text.

Share on X (Twitter)Share on LinkedInShare on Pinterest
GET IMPORTANT UPDATES