by Emily Rogan

 

Our thoughts are with those affected by the Carr FIre.  If you, or someone you know has been affected by the fires, please read our First Steps After a Wildfire.  We encorage you to visit our Carr Fire Insurance Claim Help page at: www.uphelp.org/CarrFire throughout the recovery process.  

This checklist will help keep you on track during this stressful time. We’re rooting for you…

  • Take care of your or your family’s immediate needs first.
     
  • Finding temporary housing is a priority. Your insurance company should help you find a place of similar size. 
     
  • Start a recovery diary.  Any notebook will do. Take notes on: who you talked to, the number you called, date and time, what was said.  Keep your paperwork organized.
     
  • Ask your insurance company for cash advances for:

    • Living expenses
    • Replacing personal property
       
  • Keep all receipts while you are displaced. Hotel bills, clothes and pet boarding may be reimbursed but require receipts.
     
  • Take photos of your property before any cleanup or debris removal happens. 
     
  • Do not rush into signing contracts. Get copies of ALL paperwork you do sign.
     
  • An insurance adjuster will eventually come and inspect your home.  If they make you a settlement offer on the spot, get a 2nd opinion on what you’re entitled to.
     
  • Inventorying your damaged and destroyed property is time-consuming and unpleasant.  UP offers tips and tools for getting this done.  Visit www.uphelp.org/contents
     
  • Give your insurer a chance to do the right thing, but be prepared to stand up for your rights and get help if you’re not being treated fairly.
     
  • Register with a “Case Manager” – they can help make referrals to resources.
     
  • Register with FEMA (federally declared disaster) and the SBA (state disaster declarations needed)
     
  • For more specifics and guidance on the insurance claim process, visit www.uphelp.org/CarrFire

 

Click here to download the PDF version.

About The Blogger

Emily Rogan

Emily Rogan
Emily Rogan joined United Policyholders (UP) in January 2008. As the Chief Operating Officer, Emily works closely with the Executive Director, UP staff, and volunteers to advance the mission of the organization. Along with performing high-level operational management, Emily is instrumental in UP’s programmatic success. Her role in the Roadmap to Preparedness Program involves educating homeowners and renters throughout the Bay Area. Through the Roadmap to Recovery program, she organizes workshops and webinars to provide long term recovery help to disaster survivors and case managers across the county. Collaboration is one of the keys to her success, and Emily builds and maintains relationships with Voluntary Organizations Active in Disaster (VOAD) members, non profits, government, and the faith based community. She proudly represents UP at conferences, meetings and workshops. 
 
A San Francisco native, Ms. Rogan received a Bachelors of Arts in Sociology from the University of California, Riverside and a Certificate in Nonprofit Management from San Francisco State University. She currently serves on the Curriculum Board of the California Department of Insurance, the Executive Committee for San Francisco VOAD, the Education Committee for the National Association of Public Insurance Adjusters and on the CaliforniaVolunteers – Office of the Governor EF - 17 Working Group. She also served on the Executive Committee of NorCal VOAD from 2011 – 2015 and as Chair from 2014-2015.