by United Policyholders

 

Our thoughts are with those affected by the Camp 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 website www.uphelp.org 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 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:

  • 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

 

View this handout as a PDF

About The Blogger

United Policyholders

United Policyholders is a non-profit organization that serves as a voice and an information resource for insurance consumers in all 50 States.