Fire home insurance: California insurance commissioner breaks down what not to do if your home is damaged or destroy by wildfire - ABC7 Los Angeles

# Fire Home Insurance: What Not to Do If Your Home Is Damaged or Destroyed by Wildfire

Wildfires have become an increasingly urgent issue in California, with devastating consequences for homeowners. In a recent segment on ABC7 Los Angeles, the California Insurance Commissioner provided critical advice on what *not* to do if your home is damaged or destroyed by a wildfire. This article breaks down the key points, explores the historical context, and examines public opinion, counterarguments, and the broader implications of this guidance.

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## Historical Background: Wildfires and Home Insurance in California

California has a long history of wildfires, but the frequency and intensity of these disasters have escalated in recent decades. Factors like climate change, prolonged droughts, and urban sprawl into fire-prone areas have made wildfires more destructive.

- **Early 20th Century**: Wildfires were often seen as natural events, and insurance policies were relatively straightforward.

- **Late 20th Century**: As wildfires became more frequent, insurance companies began to adjust policies, raising premiums or denying coverage in high-risk areas.

- **21st Century**: The 2017 and 2018 wildfire seasons were among the worst in California history, leading to billions of dollars in damages and a surge in insurance claims. This prompted stricter regulations and a push for better consumer protections.

Today, wildfire insurance is a hot-button issue, with homeowners struggling to afford coverage while insurers grapple with rising risks.

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## General Public Opinion

Public opinion on wildfire insurance is mixed, reflecting the complexity of the issue:

- **Frustration with Insurers**: Many homeowners feel that insurance companies are quick to raise premiums or deny claims, leaving them vulnerable.

- **Support for Government Intervention**: Some believe the state should step in to regulate premiums or provide subsidies for high-risk areas.

- **Personal Responsibility**: Others argue that homeowners in fire-prone zones should take more precautions, such as fireproofing their homes or relocating.

The ABC7 segment resonated with many viewers, as it provided practical advice during a time of heightened anxiety about wildfires.

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## What Not to Do: Key Advice from the California Insurance Commissioner

The Insurance Commissioner emphasized several critical mistakes to avoid if your home is damaged or destroyed by a wildfire:

1. **Don’t Delay Filing a Claim**:

- Waiting too long can complicate the process and reduce your chances of a fair settlement.

- Document the damage thoroughly with photos and videos.

2. **Don’t Throw Away Damaged Items**:

- Keep damaged belongings until the insurance adjuster has assessed them.

- These items are evidence for your claim.

3. **Don’t Accept the First Offer Without Reviewing It**:

- Insurance companies may offer a quick settlement, but it might not cover all your losses.

- Consult with a professional or advocate if needed.

4. **Don’t Forget to Review Your Policy**:

- Many homeowners are unaware of what their policy covers.

- Understand your coverage limits, deductibles, and exclusions.

5. **Don’t Go It Alone**:

- Seek help from the California Department of Insurance or a public adjuster if you feel overwhelmed.

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## Counterarguments: Criticisms of the Commissioner’s Advice

While the Commissioner’s advice is widely supported, some critics argue:

- **Blaming Homeowners**: Critics say the focus on what homeowners should do shifts responsibility away from insurers and policymakers.

- **Lack of Enforcement**: Without stricter enforcement, insurers may continue to deny claims or delay payouts.

- **Overwhelmed Resources**: Public adjusters and government agencies may not have the capacity to assist all affected homeowners.

These criticisms highlight the need for systemic changes in addition to individual preparedness.

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## Implications: Lessons Learned and Future Directions

The Commissioner’s advice underscores the importance of being proactive and informed. However, it also points to larger issues that need addressing:

- **Policy Reforms**: There is a growing call for policies that balance the needs of homeowners and insurers, such as state-backed insurance programs.

- **Community Preparedness**: Communities must work together to reduce fire risks through better land management and fireproofing efforts.

- **Climate Action**: Addressing the root causes of wildfires, such as climate change, is essential for long-term solutions.

For homeowners, the key takeaway is to stay informed, document everything, and seek help when needed. For policymakers and insurers, the challenge is to create a system that is fair, transparent, and sustainable.

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## Conclusion

Wildfires are a harsh reality for many Californians, and navigating the aftermath can be overwhelming. The California Insurance Commissioner’s advice provides a roadmap for homeowners to protect their interests. However, it also highlights the need for broader reforms to ensure that everyone has access to fair and affordable insurance. By learning from past mistakes and working together, we can build a more resilient future.

For more information, visit the California Department of Insurance website or watch the full ABC7 Los Angeles segment.