What to do when your home is affected
The damage caused by wildfires in California can leave families grappling with overwhelming loss and uncertainty. Beyond the catastrophic physical destruction, the inevitable emotional toll of losing a home—filled with cherished memories and security—can feel insurmountable.
Taking immediate and thoughtful actions is critical in making sure you are safe and can kick-start the recovery process. From addressing the initial aftermath to rebuilding your life, this guide offers practical steps to help you work through the challenges ahead.
Remember, you are not alone—resources and support are available to help you recover from the devastating effects of wildfires. Let’s take it step by step.
How to deal with the damage caused by wildfires
Step 1: Put your safety first
Before anything else, your safety and that of your loved ones come first. Wildfire-damaged areas are hazardous, even after the flames are out. Taking precautions can save you from further harm as you cope with the aftermath.
Wait for official clearance
Returning home too soon can be dangerous. Always wait for local authorities to give the all-clear before heading back. Even if the fire seems extinguished, smoldering areas or falling debris can pose serious risks. Keep up with announcements from emergency services or local government updates.
Use protective gear
When it’s finally safe to return, suit up with proper protective gear. Ash and soot from wildfires often contain harmful toxins like asbestos, lead, and other chemicals. Wear an N95 mask or respirator to avoid breathing in hazardous particles. Gloves and sturdy boots are essential to protect against sharp debris and unstable ground.
Be cautious of hazards
Wildfire zones can be unpredictable. Be wary of unstable structures, such as partially burned walls, fireplaces or weakened roofs, which can collapse without warning. Additionally, look out for hot spots that may still reignite, and avoid touching or disturbing any debris that could release toxins into the air.
Be especially mindful of downed power lines or compromised utilities—they should be reported immediately to local authorities or utility companies.
Step 2: Document the damage
Once you’ve made absolutely sure you’re safe, your next step is to document the damage thoroughly. This is critical for insurance claims and disaster assistance.
Take photos and videos
Put in the time to take photos and videos of every part of your home that’s been affected. Capture wide shots of entire rooms as well as close-ups of specific damage.
Don’t just focus on obvious destruction like charred walls—document water damage, soot buildup, and damaged furniture or appliances. If possible, take timestamped photos to provide a clear, chronological record.
This evidence will be invaluable for proving the extent of your loss to insurance adjusters or government aid programs.
Create detailed lists
Make a room-by-room inventory of damaged or lost items. Include as much detail as you can: the item’s name, its approximate value, purchase date, and condition before the fire.
If you have receipts or bank statements for high-value items, keep them handy. This level of detail will help maximize your claim and chances of being compensated fairly.
Start a diary
Use your phone or a paper journal to document all the difficulties you are facing after the fire. This record will support your claim for emotional distress.
Step 3: Contact your insurance provider
After documenting the damage, your next move is to get in touch with your insurance provider. Acting quickly and staying organized will make the claims process smoother.
Get in touch ASAP
Contact your insurance company as soon as possible to report the damage. Many insurers have 24/7 hotlines or mobile apps for emergencies. Provide a clear overview of what happened and let them know that detailed documentation is ready to share.
Understand your policy
Get a certified copy of your insurance policy. Take some time to review your homeowner’s or renter’s insurance policy. Familiarize yourself with what is covered, whether it’s structural damage, personal belongings, or additional living expenses if you’re displaced.
Pay attention to deductibles and any limitations or exclusions in your coverage. If anything is unclear, don’t hesitate to ask your insurer for clarification.
Keep record of everything
Throughout the claims process, keep meticulous records of every interaction. Write down the dates and times of phone calls, the names of the representatives you speak with, and what was discussed. Save copies of every document you send or receive, from claim forms to email correspondence.
This will help avoid misunderstandings and provide a paper trail in case of disputes.
Step 4: Seek federal and state assistance
Recovering from wildfire damage often requires more than just insurance. Federal, state, and local resources are available to provide financial and practical support to help you rebuild.
FEMA Assistance
Even if you have insurance, applying for assistance through the Federal Emergency Management Agency (FEMA) is a crucial step. FEMA can cover expenses your insurance might not, such as temporary housing, medical bills, or home repairs. Visit disasterassistance.gov or call FEMA directly to start your application. Be prepared to provide detailed information about your losses and insurance status.
State Resources
California’s Office of Emergency Services (Cal OES) offers additional support for wildfire survivors. It provides grants, housing assistance, and guidance on navigating the recovery process. Check the Cal OES website or contact your local emergency services for information on programs tailored to your area.
Local nonprofits
Organizations like the Red Cross, United Way, and local nonprofits often step in to assist with immediate needs, from food and clothing to financial aid. Reach out to these groups—they can offer both direct help and connections to other resources. These organizations are often embedded in affected communities and understand your unique needs.
Step 5: Begin debris removal and cleanup
Once the area is declared safe, it’s time to begin cleanup—but it’s not a DIY job. Proper handling of debris is critical to avoid health risks and comply with local laws.
Hire certified professionals
Debris from wildfires often contains toxic substances like asbestos, heavy metals, and hazardous chemicals. Engage licensed contractors experienced in post-fire cleanup to handle this work safely. Your local government or insurance provider can often recommend certified services.
Steer clear of hazards
Never disturb ash, soot, or partially burned materials without protective gear, as they can release harmful particles into the air. Always follow safety guidelines to protect yourself and your family.
Follow local guidelines
Every county has specific rules for disposing of wildfire debris. Adhering to these allows the cleanup process to be more safe and environmentally responsible. Check with your local health department or city government for instructions.
Step 6: Plan for rebuilding
Rebuilding is an opportunity not just to restore, but to create a safer, more resilient home.
Obtain necessary permits
Before reconstruction begins, secure all required permits from your city or county. Skipping this step can delay rebuilding or lead to fines, so consult local planning departments to ensure compliance.
Consider resilient building practices
Explore fire-resistant materials like metal roofing, fiber-cement siding, and double-pane windows. Incorporate designs that reduce fire risk, such as defensible space around your property. These measures can protect your home from future wildfires.
Stay informed
Recovery is a community effort. Attend town halls and meetings to stay updated on rebuilding timelines, available resources, and safety protocols. Staying connected with your neighbors and local officials can make the process smoother and more collaborative.
Moving forward after damage caused by wildfires
Recovering from wildfire damage is a journey; one that takes time, patience, and proactive effort. Yes, it’s about rebuilding your home—but it’s also about picking up the pieces emotionally. Lean on loved ones, seek support when you need it, and take things one day at a time. Remember, you don’t have to face this alone.
And if you need assistance pursuing justice—a crucial part of the recovery process—CaseyGerry is here for you. Reach out today for compassionate, expert help in rebuilding your future.