06/09/2026
Filing an insurance claim after a wildfire can feel especially overwhelming when you’re already navigating loss, displacement, and uncertainty about what comes next.
These reminders from can help you get the most out of your insurance:
💡 Be pro-active in the claim process and keep good notes.
💡 Don't pad or exaggerate your claim.
💡 Give your insurance company a chance to do the right thing, but don't mistake a friendly representative for a friend.
💡 Think of your insurance claim as a business negotiation—you’re dealing with a for-profit company.
💡 Document and support your claim with proof, details and estimates.
💡 Present clear requests in writing that explain what you need, when you need it, and why you’re entitled to it.
💡 Try to resolve problems directly, but put complaints in writing and escalate or seek outside support when necessary.
💡 Get specialized professional help when you need it. Check out UP’s Find Help directory.
Disasters are unpredictable, but preparation can make all the difference. Save and share these tips now so they’re there if you or someone in your community ever needs them.
