Wildfire Recovery Guide: Essential Steps for Los Angeles Residents

To our friends and clients in the Los Angeles area who have lost their homes, businesses, or sense of security due to the recent wildfires, we extend our deepest sympathies. The devastation caused by these fires is heartbreaking, but it is truly inspiring to see our community come together in support of one another. At Samer Habbas & Associates, we are here to provide the legal guidance you need to navigate the recovery process and protect your rights.

What to Do After a Wildfire: Steps to Protect Your Home and Future

Recovering from a wildfire can feel overwhelming, but taking the right steps can make the process more manageable. If your home has been damaged or destroyed, or if you live in a high-risk area, here are key actions to take.

1. Review Your Insurance Coverage and File Claims

Contact your insurance provider to initiate the claims process for property damage or loss. If a loved one has passed away due to the disaster, notify your insurer immediately. Keep records of receipts and expenses related to temporary shelter, food, and clothing, as many of these costs may be covered under your policy. Even if your property was not directly affected, take this opportunity to review your coverage and confirm the listed owner and insured parties.

2. Manage Your Mail and Address Changes

The U.S. Postal Service offers mail forwarding options if you are relocating. Submitting a temporary change of address request ensures you receive important documents without interruption. However, forwarding mail does not update your address with financial institutions, insurance providers, or subscriptions, so be sure to update them directly.

3. Suspend or Transfer Utilities and Services

If your property has been damaged, suspend or transfer gas, electricity, water, and internet services to your temporary residence. Review any recurring subscriptions linked to your address and determine whether they should be paused or canceled.

4. Stay on Top of Financial Obligations

Notify creditors such as credit card companies and lenders about your situation. Many offer forbearance or payment deferral options during emergencies. Keeping up with essential expenses like car loans and health insurance premiums can help you maintain financial stability.

5. Monitor Financial Accounts for Fraud

Unfortunately, disasters can attract fraudulent activity. Consider freezing certain accounts or setting up alerts to monitor suspicious transactions and protect your financial well-being.

6. Reassess Property Taxes

If your property has been damaged or destroyed, contact your county tax assessor for reassessment options. In Los Angeles County, you can file an “Application for Reassessment: Property Damaged or Destroyed by Misfortune or Calamity” within 12 months of the incident. If you plan to relocate, explore whether you can transfer your property tax base to a comparable property to avoid increased taxes.

7. Replace Essential Documents

Request reissuance of critical documents such as birth certificates, Social Security cards, driver’s licenses, and passports. Tax records can be obtained through the IRS, and professional advisors can help with additional document recovery.

8. Seek Legal Guidance for Your Recovery

Dealing with insurance claims, property disputes, and financial planning can be complex. At Samer Habbas & Associates, our experienced personal injury attorneys can help you navigate these challenges and ensure your rights are protected. We provide expert guidance on insurance disputes, estate planning updates, and legal steps to secure your future after a disaster.

Contact Samer Habbas & Associates for a Free Consultation

If you or a loved one has been affected by the recent wildfires, do not face this challenging time alone. Get Samer on Your Side today for a free consultation. Our dedicated team is here to help you recover and rebuild your life with confidence.

Your recovery starts with the right legal support—let us help you take the next step.