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In the wake of the disastrous Los Angeles wildfires in January 2025 that has displaced nearly 200,000 residents, destroying more than 35,000 acres of land, leaving entire neighborhoods devastated, countless homeowners face the daunting task of navigating and filing insurance claims after the California wildfires to rebuild their lives. Notably, State Farm, Chubb Insurance, Allstate, Tokio Marine America Insurance Co., and Trans Pacific Insurance Co. made significant policy changes before the fires, leaving many residents without adequate coverage they desperately need. These insurance companies had either chosen not to renew their policies or to stop writing new ones, especially for high-value homes located in areas of high-risk fire-prone areas. [1]

In response to the crisis, California Insurance Commissioner Ricardo Lara implemented a one-year moratorium on cancellations and non-renewals of homeowners’ insurance policies in wildfire-affected areas, aiming to provide temporary relief to impacted residents. A moratorium is a period during which the borrower is not obligated to make payments. [2]

Despite these measures, the state’s insurance market remains under significant strain, with insured losses from the fires estimated to exceed $20 billion. [3]

This situation has led to increased reliance on the California FAIR Plan, the state’s insurer of last resort, which offers limited coverage at higher premiums. [4]

If you’re seeking relief, here are some common FAQs:

Do I Still Have to Pay My Mortgage If My Home Burned Down From The California Wildfires?

If your home was destroyed in a wildfire, you may qualify for a temporary forbearance plan, allowing you to reduce or pause mortgage payments for up to 12 months, according to Fannie Mae. Contact your mortgage servicer immediately to explore your options. While forbearance provides relief, the deferred amount will need to be repaid once the plan ends.

Can I Get Property Tax Relief After Filing An Insurance Claim After The California Wildfires?

Homeowners or businesses affected by the fires may be eligible for property tax relief through the Los Angeles County Assessor’s Office. If your property suffered damage exceeding $10,000, you can file a misfortune or calamity claim within 12 months of the incident. If approved, your reduced tax rate remains in place until your property is rebuilt or restored.

Do I Have to Pay Rent if My Rental Was Damaged or Destroyed?

Under California law, if your rental home or business was completely destroyed, your lease is void, and you are no longer obligated to pay rent. Additionally, your landlord must return your security deposit. If the unit is only partially destroyed, you can either terminate the lease or wait for repairs.

Will My Rent Go Up If I Live Outside the Fire Zone?

California’s anti-price-gouging law caps rent increases at 10% after a declared emergency. These protections apply statewide to prevent displacement-driven price hikes and remain in effect until February 6, 2025, unless extended. This protection covers both existing tenants and new leases.

Do I Still Need to Pay Utility Bills?

Utility providers are offering support for fire victims.


Where Can I Find Temporary Housing?


Is Government Aid Available?

The Federal Emergency Management Agency (FEMA) provides up to $770 under its Serious Needs Assistance Program for essential items like food and water. FEMA also offers temporary housing assistance, but it requires California to request activation. To apply, call 1-800-621-3362 or visit disasterassistance.gov.

What Can Renters Insurance Cover?

If you have renters insurance, file your claim right away. Policies often cover at least $25,000 for personal property and relocation expenses. If you lack renters insurance, you can apply for a low-interest federal loan to replace items like furniture, clothing, and cars, with renters eligible to borrow up to $100,000.

Seeking Legal Help?

Navigating these challenges can feel overwhelming, but knowing your rights and options is a crucial first step toward recovery. At Howard Injury Law, we will expertly guide you through the legal process as your dedicated personal injury lawyer in Las Vegas. From the initial free consultation to the resolution of your case, our experienced attorneys serve Nevada, California, Colorado, and Arizona, and are committed to providing comprehensive support and representation. We understand the complexities and challenges that come with personal injury claims, and we are here to ensure that your rights are protected every step of the way.

Free Consultation with Howard Injury Law:
📲 (702) 331-5722 M-F/9-5
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