WBN USA
✍️ By Joel Goldman | WBN News USA | July 21st, 2025 |
The recent wildfires in California have caused massive damage—upending the lives of homeowners and business owners. If you’ve been affected, navigating your insurance claim can feel overwhelming, but it’s crucial to take the right steps to maximize your benefits.
1. Prioritize Safety and Notify Your Insurer
Your safety comes first. Once safe, notify your insurer immediately. If your home is completely destroyed, you’re entitled to upfront payments—typically one-third of your personal property value and four months of rent—even before an inspection.
2. Document Every Detail
Before cleaning up, take thorough photos of the damage. Keep a journal of every conversation with your insurer, and save receipts for hotels or temporary furniture. This documentation is essential to back up your claim.
3. Understand the Claims Timeline
Claims can take months or even years. But you don’t have to wait for full processing—partial payouts are usually available early. Stay in touch with your adjuster and track your progress.
4. Review Settlement Offers Carefully
When you receive a settlement offer, compare it to your policy’s coverage. If the amount seems too low, consult a contractor for an estimate. Don’t rush to accept until you’re confident it covers your actual rebuilding costs.
5. Business Interruption Coverage
If you own a business, check if your policy includes business interruption insurance. This helps cover lost revenue and expenses while you recover. Gather financial records like tax returns to support your claim.
6. Explore Additional Support
FEMA assistance may be available if the wildfire is federally declared. Visit local recovery centers for help with documents, housing, or legal advice. Avoid signing contracts with unknown contractors too soon.
7. Renters & the Uninsured
Renters may receive coverage for personal belongings and housing, but not building damage. If you don’t have home insurance, seek community and government resources immediately.
Joel Goldman | Insurance and Financing Advisor
At Starisks Insurance, Joel helps individuals and business owners navigate risk with tailored commercial, personal, and specialty coverage. Through HMMB Funder LLC, he provides fast, flexible hard money loans to fund real estate deals, renovations, and investment opportunities.
📩 Email: joelg@starisks.com
📞 Phone: +1 929-520-9596
🔗 LinkedIn: Joel Goldman
👉 Book Your FREE Initial Consultation via Calendly: Book Now
TAGS:
#Wildfire Recovery, #Insurance Claims, #Disaster Relief, #Home Insurance, #Business Interruption, #Starisks Insurance, #Joel Goldman
Editor for WBN: Chris Sturges
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