Los Angeles wildfires have been occurring frequently, with the National Meteorological Agency predicting that the risk of fires will rise again this week, urging residents in specific areas to remain vigilant. Many Chinese families have suffered heavy losses from the wildfires, feeling uncertain about insurance claims and even helpless. Sammy Yu, Vice President of the California Asian American Insurance and Financial Professional Association (CAIFPA) with over 25 years of experience in the insurance industry, has specially compiled a wildfire insurance claims guide for the Chinese community, providing practical advice to the affected households.
Yu emphasizes that time is critical after a fire. She suggests that affected households should immediately contact their insurance company or agent, initiate the claims process, and confirm the relevant requirements and deadlines. Furthermore, they should take photos or videos of damaged items, keep all receipts, including temporary accommodation and meal expenses, for the subsequent claims process.
Due to limited understanding of the scope of fire insurance among many Chinese people, Yu particularly reminds them that standard homeowners’ insurance typically covers fire losses, including wildfires, while renters’ insurance can compensate for tenants’ personal property losses. Additionally, if a vehicle is damaged by fire, owners who have purchased comprehensive coverage can also apply for compensation.
Yu urges the public that if they receive evacuation notices, they should take immediate action and take advance photos or videos of items in their homes as evidence for insurance claims. Moreover, important documents such as insurance policies, passports, and tax information should be carried with them, and all receipts during the evacuation process should be kept for claims purposes.
In cases of insufficient compensation, affected households should proactively communicate with the insurance company, submit additional claims requests, and pay attention to “hidden damages” such as smoke, ash, mold, and structural damage that fires may cause. Professional inspections of the house are advisable. Regarding damaged trees or plants, the policy’s claim amount is limited, so affected households should keep the claims process open for at least six months to supplement information.
If an insurance company fails to fulfill its policy obligations, Yu suggests that affected households can contact the California Department of Insurance to file a complaint, as this agency provides relevant assistance to help residents resolve disputes. She believes that “fire claims, after all, are not just about financial compensation but also an essential step in rebuilding a home.”
Yu calls on the Chinese community to understand their rights, actively communicate with insurance companies, seek professional advice if they have any doubts or need assistance, and not miss out on their rights.