2018 Camp Fire (Paradise) – Insurance Claim and Recovery Help

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!

Total Losses:

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 tipssamples 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.

NOTE: Merced Property & Casualty Customers,

Don’t panic, get informed

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:

Additional Resources:

For more information, visit our Claim Help Library.