Mark asked 3 weeks ago Do Insurer’s Replacement Cost Estimates vary depending on whether a new foundation is poured, or the existing one is reused? We have a total loss, and are likely to purchase a replacement home elsewhere with the settlement proceeds.
I ask because LA County’s Phase 2 debris removal program asks whether or not you want the existing foundation removed.
Hi Mark, yes your replacement cost estimate will differ if your foundation can be reused/repaired or replaced. It is very important that your adjuster has the ability to assess your loss and take photos before any debris is removed. If your adjuster has not been to your property and it is safe for you to dos o, we suggest that you take ample pictures of your property from multiple angles to capture the state of debris and any remaining features, such as the foundation.
If your home is a total loss, meaning the property has burned to the ground and only parts of the concrete foundation are left but are exhibiting signs of damage, then your foundation should be removed as part of the debris removal process. UP has updated resources and information about debris removal and LA county.
https://uphelp.org/disaster-recovery-help/2025cawildfires/
We wish you success with your situation.