Key Takeaways

• Fire damage claims start the moment the fire is out.
• Early decisions can impact your entire insurance settlement.
• Professional guidance helps avoid costly mistakes.

Fires move fast — and in Los Angeles and Orange Counties, wildfires, electrical fires, and structure fires are an ongoing risk.

Step 1: Put Safety First

After a fire:

• Do not re-enter until authorities say it’s safe
• Watch for smoke damage, weakened structures, and toxic residue

Step 2: Document All Damage

As soon as it’s safe:

• Take photos and videos of fire, smoke, and water damage
• List damaged personal property
• Save receipts for hotels or emergency repairs

Step 3: Contact Your Insurance Company (Carefully)

You should notify your insurer, but:

• Avoid recorded statements without understanding your policy
• Don’t accept quick settlement offers

Step 4: Get Help From a Public Adjuster

Fire damage is rarely just what you see. A fire damage public adjuster in Los Angeles or Orange County can:

• Identify hidden smoke and structural damage
• Prepare a detailed, professional claim
• Fight for a full and fair settlement