Homeowners Insurance after a California Wildfire

Insurance companies in Butte County are taking in thousands of claims due to the recent fire that has caused billions of dollars in damages so far. Many homeowners have lost everything they owned and are now realizing they aren’t fully covered for damages.  The wildfire litigation lawyers at Demas Law Group are ready to help you recover compensation for fire-related losses in Butte County.

Who is Covered?

It is uncommon to come across a typical homeowners insurance policy that provides 100% coverage for homes that are left in shambles due to a wildfire. This is especially true in high-risk areas, such as California.  It is often surprising to homeowners after they realize they are not fully covered. The Butte County Camp Fire has left thousands of people with billions of dollars in damages. It is important to know if you are covered by your current insurance policy.

Call your insurance agent once you are safe and realize your total losses.  The next step is to file a detailed claim with an estimated value of everything you lost due to the Butte County Camp Fire.  After the claim is filed, the insurance company will move forward with an investigation and eventually offer a settlement. However, insurance companies will try everything they can to pay out as little as possible.

You need to review your policy to be sure you are collecting the total amount of compensation that is owed to you.  It is important to keep track of expenses for things like food and shelter during the evacuation process. The majority of policies include additional living expenses, available to both homeowners and renters.

Uninsured/Underinsured: Now What?

If you recently found out that your insurance policy won’t cover the costs after your home was destroyed in the Butte County fires, we can point you in the right direction. Fortunately, California has a last resort that provides property insurance to homeowners in their time of need.  If requirements are met, you may qualify for coverage under the California FAIR Plan.

Created in July 1968, The California Fair Access to Insurance Requirements Plan is an insurance pool to assure basic property insurance to people who, beyond their control, haven’t been able to obtain insurance in the voluntary market.

Contact Demas Law Group Today

Insurance companies are in the business of making money, and they will attempt to blame the other parties involved in the accident rather than pay you the compensation required by your policy.  If your home was destroyed in the Butte County Camp Fire, your best option is to contact the wildfire litigation team at Demas Law Group now. We can get started with a free consultation today!


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