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California Wildfires

Property Owners - What you need to know!

The aftermath of wildfires can be devastating, and it's not uncommon for insurance companies to underpay or deny claims in their wake. For The People Public Insurance Adjusting, however, has uncovered a disturbing trend: a significant number of insurance claims related to past and recent wildfires have been wrongfully underpaid or denied altogether. This revelation highlights the urgent need for policyholders to have experienced professionals like For The People on their side to ensure that they receive fair compensation for their losses. The company's expertise and dedication to fighting for policyholders' rights can make all the difference in their ability to recover and rebuild after such catastrophic events.

Ask Yourself:
Would your insurance company rather have their adjuster save them money, or pay you all of the settlement(s) that you were entitled to?
Insurance is a business, and like many businesses, their goal is to make/retain profit.

Over the last few years, California has experienced an overwhelming amount of wildfires. What you NEED to know:

  • Wildfires can cause significant damage to homes, businesses, and personal property. In order to protect yourself financially from the potential impact of a wildfire, it is crucial to understand the role of insurance in this process. Here are some key points to consider:

  • Homeowners insurance: A standard homeowners insurance policy typically covers fire damage, including damage caused by wildfires. However, coverage limits and exclusions may vary depending on your specific policy. Be sure to review your policy thoroughly to ensure you have adequate coverage.

  • Renters insurance: Renters insurance typically covers the personal property of the renter in case of damage caused by a wildfire. It's important to have adequate coverage to replace damaged or destroyed items. Note that the building itself is the responsibility of the property owner, who should have their own insurance policy in place.

  • Additional coverage: In some high-risk areas, insurance companies may require additional coverage for wildfire damage or may exclude it altogether. Be sure to check with your insurance provider to understand the extent of your coverage and any limitations.

  • Wildfire mitigation measures: Taking proactive measures to reduce the risk of wildfire damage can not only help protect your property but also potentially reduce your insurance premiums. These measures may include creating defensible space around your home, using fire-resistant building materials, and installing sprinkler systems.

  • Documenting property: In case of a wildfire, having a detailed inventory of your personal belongings can help speed up the insurance claims process. Take pictures or video of your property, and keep receipts for valuable items.

  • Insurance claims: After a wildfire, contact your insurance company as soon as possible to start the claims process. Keep track of any expenses related to temporary housing, repairs, or other costs that may be covered under your policy.

  • Government assistance: In the case of a disaster declaration, government assistance may be available to help cover some costs not covered by insurance. Check with your local or state emergency management agency for more information.

  • Shop around: If you live in a high-risk area, it's important to shop around for the best insurance coverage and rates. Some insurance companies specialize in providing coverage in wildfire-prone areas.

  • In summary, understanding your insurance coverage, taking proactive measures to mitigate wildfire risks, and being prepared to navigate the claims process are essential aspects of protecting yourself financially from the impact of wildfires.

You and your family should be viewed as more than 'just another file' on your insurance company's desk! So, how do you handle this situation?

Your family deserves to be more than just another file on an insurance company's desk. When it comes to handling current or past claims, you don't have to settle for what the insurance company deems adequate.

At FTP Public Insurance Adjusting, we are committed to supporting commercial and residential California Wildfire property victims impacted by past and present wildfires. As licensed public adjusters in the State of California, we work on your behalf to negotiate claims, interpret policies, investigate the full extent of losses, and assess the true value of damages. Our loyalty lies with you, not the insurance company.

Take the next step: Reach out to us for more information. Navigating this process can be overwhelming, and insurance companies may use various tactics to persuade you to accept their offers. Our team at For The People, Public Insurance Adjusting specializes in handling past and present California Wildfire claims, offering expert guidance to secure the best possible outcome. Whether reopening a past claim or managing a current one, we're here to help. Contact us through our online form or call/email us anytime, with phone operators available 24/7.

Discover the value we can bring with zero risks: We offer Free Policy Review, Free Consultation, and Free Home Inspection to all California Wildfire property owners. Learn about the potential benefits of partnering with us BEFORE signing any agreements! We ensure that all proposals are thoroughly explained and mutually agreed upon PRIOR to representation. Moreover, all our proposals are regulated by the State of California. Let us help you rebuild your life!

Your success is our mission at FTP Public Insurance Adjusting. We measure our achievements based on the value we bring to you and your claim.

Your Claim – Our Battle

For The People, Public Insurance Adjusting retains the right to accept or deny claim submissions.

Not a wildfire property claim? No problem, visit our home page to discover how we may better serve you.

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