A Guide for Homeowners
Losing your home to the Pacific Palisades wildfire is an overwhelming experience, and we’re here to help you navigate the process of rebuilding, restoring, and reconstructing your home. Below are answers to common questions about the restoration process, insurance, costs, and more, tailored to help you move forward with confidence.

General Questions About the Restoration Process

Each step is customized based on the extent of the damage and your goals for the property.

How soon can you start the restoration after the fire?
Restoration can begin as soon as the property is declared safe by local authorities and your insurance company approves the work. Emergency services like boarding up windows and tarping the roof can often start immediately.

How long will the restoration process take?
The timeline depends on the severity of the damage. Minor repairs may take a few weeks, while extensive rebuilding can take several months. Your contractor will provide a detailed timeline after assessing your property.

Do I need permits for restoration work?
Yes, most structural repairs and rebuilding require permits. A reputable contractor will handle the permitting process for you.

Where do I even begin after losing my home to a wildfire?
Start by contacting your insurance company to file a claim (if you have coverage). Then, reach out to a trusted contractor who specializes in wildfire recovery. They can guide you through every step, from clearing the property to designing and rebuilding your new home.

How do I know if my property is safe to start rebuilding?
Your property must be assessed for safety before rebuilding begins. This includes checking for hazardous materials, unstable debris, and ensuring the land is stable. Your contractor or local authorities can assist with this assessment.

Can I rebuild on the same foundation if it’s still intact?
It depends on the foundation’s condition. A structural engineer will need to inspect it to determine if it’s safe to reuse. In many cases, starting fresh is safer and more cost-effective.

Can you rebuild my home to its original condition?
Yes, most contractors can restore your home to its pre-fire condition or even improve upon it with modern materials and designs.

What materials will you use for rebuilding?
Materials are chosen based on your preferences, budget, and local building codes. Fire-resistant materials are often recommended for added safety.

Can I make changes to my home’s layout during the restoration?
Absolutely. Restoration is an opportunity to redesign your home, but keep in mind that changes may affect the timeline and cost.

Will my home be more fire-resistant after restoration?
Yes, using fire-resistant materials and updated building codes can make your home more resilient to future wildfires.

Can I live on my property in an RV or temporary structure during rebuilding?
This depends on local regulations. Some areas allow it, but you’ll need to check with your local planning department.

Questions About Insurance, Costs, and Financial Assistance

Will my insurance cover the restoration costs?
Most homeowner’s insurance policies cover fire damage, but the extent of coverage depends on your policy. Review your policy and work closely with your insurance adjuster.

What if I don’t have insurance or my insurance won’t cover the full cost of rebuilding?
If you’re underinsured or uninsured, explore options like government disaster relief programs, nonprofit organizations, or low-interest loans. Some contractors also offer phased rebuilding to help spread out costs over time.

How much will the restoration cost?
Costs vary based on the extent of the damage, materials, and labor. A detailed assessment from your contractor will provide a more accurate estimate.

Do you work directly with insurance companies?
Many contractors work directly with insurance companies to streamline the claims process and ensure all damages are accounted for.

What if my insurance company cancelled my policy before the fire?
If your policy was cancelled unfairly, you may have legal options. Consult an attorney who specializes in insurance bad faith claims to explore your options.

How do I know if I’m underinsured?
If your insurance payout is significantly less than the cost to rebuild your home, you’re likely underinsured. A contractor can provide a detailed estimate to compare with your insurance settlement.

Questions About Preventative Measures

What can I do to protect my home from future wildfires?
Consider fire-resistant landscaping, ember-resistant vents, and fire-resistant building materials during restoration.

Should I install a fire sprinkler system?
A fire sprinkler system can provide added protection and may lower your insurance premiums.

How can I improve my home’s air quality after a wildfire?
Use HEPA filters, air purifiers, and ensure proper ventilation during and after restoration.

Questions for Uninsured Homeowners

What options do I have if I don’t have insurance?
Uninsured homeowners can apply for disaster relief through FEMA, seek assistance from nonprofits, or explore low-interest loans. Some contractors also offer flexible payment plans.

Can I rebuild my home myself to save money?
While it’s possible to act as your own general contractor, it’s a complex and time-consuming process. Hiring professionals ensures the job is done safely and up to code.

Are there programs to help uninsured homeowners rebuild?
Yes, organizations like Habitat for Humanity and local community groups often assist uninsured homeowners with rebuilding efforts.

Are there grants or financial assistance programs for wildfire victims?
Yes, organizations like FEMA, the Red Cross, and local nonprofits often provide grants or low-interest loans to help with rebuilding costs. Your contractor or local government office can help you identify available resources.

Questions About Emotional Support and Community Resources

Where can I find emotional support after losing my home?
Many communities offer counseling services and support groups for wildfire survivors. Organizations like the Red Cross and local churches often provide resources.

How can I connect with others who are going through the same thing?
Look for local wildfire recovery groups or online forums where survivors share their experiences and advice.

What should I do if I feel overwhelmed by the rebuilding process?
Take it one step at a time. Lean on your contractor, community resources, and loved ones for support. Many contractors specialize in guiding homeowners through the emotional and logistical challenges of rebuilding.

Questions About Legal and Insurance Issues

Can I sue my insurance company for cancelling my policy?
If your policy was cancelled in bad faith, you may have grounds for a lawsuit. Consult an attorney who specializes in insurance law to explore your options.

What if my insurance company denies my claim?
You can appeal the decision or hire a public adjuster to help negotiate a fair settlement. Legal action may also be an option if the denial was unjustified.

How do I know if I’m being treated fairly by my insurance company?
Compare your settlement offer to independent estimates from contractors. If there’s a significant discrepancy, it may be worth disputing the claim.

Can I negotiate with my insurance company for a higher payout?
Yes, you can appeal your insurance settlement. Hiring a public adjuster or working with your contractor to provide a detailed rebuild estimate can strengthen your case.

Questions About Preventing Future Losses

What can I do to protect my new home from future wildfires?
Create defensible space by clearing vegetation, use fire-resistant materials, and install ember-resistant features. Your contractor can help design a fire-resistant home.

Should I consider relocating to a less fire-prone area?
If you’re concerned about future wildfires, relocating may be an option. However, many homeowners choose to rebuild with improved safety measures.