If your property has been damaged or destroyed, we are here to help. We are a non-profit consumer organization that has expertise in insurance and disaster recovery and that does not sell services or solicit customers.
In this library and through our Roadmap to Recovery program, you can access guidance and information on navigating insurance and recovering from losses due to the Camp Fire. As you move through the process, we encourage you to use a three-ring binder, notebook or UP R2R journal to stay organized. Do your best to make notes and keep track of communications, problems and progress. Set up a system that works for you to keep receipts for items you replace or repair, and expenses due to losing the use of your home. These items are generally reimbursable under your “Additional Living Expense” insurance coverage.
Educating yourself through our program will increase your odds of getting a full and fair insurance settlement, help you make good decisions and regain financial and emotional health. Seek out others who are insured with the same company you’re insured with, share information and stay in touch with them as best you can. UP is here to support you. We’re rooting for you!
Our main focus is on helping you navigate your insurance claim toward a full, fair and prompt settlement. We also offer guidance on debris removal, temporary living arrangements, government aid, construction issues, financial decision-making, hiring professional help, and deciding how and if you will repair, rebuild or buy a replacement home.
Please watch the First Steps After a Disaster video and make use of all the help our non-profit offers. That includes videos of our past Roadmap to Recovery workshops in other wildfire areas, a library of tips, samples and tools, guidance from past disaster survivors, and answers to individual questions from insurance claim and legal profession expert volunteers via our Ask an Expert forum.
Partial Losses/Standing Homes:
If your home was spared but was exposed to extreme heat and smoke, we offer specialized guidance on insurance claim issues related to proper cleaning, inspecting for damage, restoring healthy indoor air quality and repairing obvious as well as hidden damage.
Here are some items to help you continue putting one foot in front of the other on the road to recovery:
- Top Ten Insurance Claim Tips
- FAQs about Home Insurance Claims in California
- Getting an Insurer to Extend Additional Living Expense/Loss of Use Benefits (CA Only)
- Insurance Claim Rules (2018)
- Survivors’ Speak (tips written by previous catastrophe survivors)
- Sample Letter Requesting A Complete Copy of Your Home Insurance Policy
- Simplified Guide to Your Declarations Page
- ALE/Loss of Use: What expenses can you claim on your homeowner’s policy?
- Sample Letter Requesting Information About Insurance Benefits for Temporary Living Expenses (“ALE” or “Loss of Use”)
- Sample Letter Collecting Policy Benefits for Building Code Upgrades That Would be Required If You Rebuilt Your Damaged or Destroyed Dwelling
- Debris Removal Decisions
- Debris Removal info from Butte County
- Contents Claim Help and Home Inventory Strategies
- Speak UP: Tips for Communicating with your Insurance Company
- Buy or rebuild?
- Underinsurance 101
- Tax tips for disaster survivors
- Mobile home claim tips
- Updating your home insurance after a loss
Ask an Expert Forum:
The UP ”Ask an Expert” forum is an easy and safe way to ask direct questions and get answers from experienced and reputable consumer-oriented attorneys, claim, construction, tax and finance professionals plus previous disaster survivors who serve as UP volunteers. Your identity and personal information are protected. To use the forum, please visit https://uphelp.org/ask-an-expert/
- ReCoverCA: Grants (up to $200,000) to homeowners who need help with reconstruction of their home. (Applications Open Spring 2021) Recover.hcd.ca.gov
- Disaster Distress Helpline, 1-800-985-5990. A national hotline dedicated to providing immediate crisis counseling for people who are experiencing emotional distress related to any disaster. You can also text 66746 to connect with a trained crisis counselor.
- For weekly updates on rebuilding statistics, visit Paradise Post or Butte County Recovers.
- What’s Happening in the PG&E Bankruptcy? by Helen Sedwick, attorney, Bennett Valley Law
- Filing a Claim Against PG&E by October 21, 2019
- California Department of Insurance Bulletin May 28, 2019
(Allowing Insureds to Purchase an Already Existing Home and Not Having the Value of Land Deducted)
- California Department of Insurance Bulletin November 15, 2018
(Expedited Claim Handling Billing Grace Period Procedures for California Wildfires)
- Updated CA insurance code (2018 wildfire legislation passed 9/21)
- Butte County – Camp Fire Recovery Information
- Disaster Legal Aid Hotline – Butte County 1-800-345-9491
- Fall 2018 California Wildfires Helping Handbook
- Butte County Vendor List for Structure Exposure (standing homes)
- Rebuild Paradise – Insurance Shopping Resources
For more information, visit our Claim Help Library.