We're all overwhelmed and there are dozens of separate resources.
Here's a simple curated site to help.
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:
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
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)
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.