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Protecting Yourself from Insurance Scams After a Fire

Writer's picture: Kirk CarlsonKirk Carlson



Protecting Yourself from Insurance Scams After a Fire

Wildfires can leave devastation in their wake, and while survivors focus on rebuilding their lives, scammers may attempt to take advantage of their vulnerability. It is crucial to remain vigilant and informed to avoid falling victim to fraudulent insurance schemes. Here are key tips to protect yourself after a fire.

1. Contact Your Insurance Provider Immediately

As soon as it is safe to do so, reach out to your insurance company or agent to begin the claims process. If you do not have their contact information, the California Department of Insurance can assist you at 800-927-4357 or via their website at insurance.ca.gov.

2. Keep Records of All Expenses

Many insurance policies include provisions for additional living expenses in cases of mandatory evacuation or emergency situations. Be sure to maintain receipts and records of all costs incurred.

3. Do Not Sign Repair Contracts Prematurely

Avoid signing any contracts for repairs or services before speaking directly with your insurance company. Scammers often pressure victims into unnecessary or overpriced repairs.

4. Verify the Identity of Adjusters

There are three types of insurance adjusters:

  • Public Adjusters – Represent the claimant and charge a fee (typically a percentage of the settlement).

  • Company Adjusters – Employees of the insurance company and do not charge the claimant.

  • Independent Adjusters – Hired under contract by the insurance company and do not charge the claimant.

If a public adjuster approaches you, ask to see their license and verify their credentials with the California Department of Insurance.

5. Know Your Rights Regarding Public Adjusters

Public adjusters are bound by several legal restrictions:

  • They cannot solicit your business while the fire is ongoing or within seven days of a disaster area reopening.

  • They are prohibited from offering money or incentives to sign a contract.

  • They cannot have any financial ties to contractors or repair businesses.

  • Their contracts can be canceled within three business days—or five calendar days in the case of a disaster—without penalty.

6. Beware of High-Pressure Tactics

Scammers often create urgency, pressuring victims into signing contracts. Be wary of anyone rushing you to sign agreements or start demolition work without proper approvals.

7. Utilize Trusted Resources for Assistance

If you suspect fraud or need additional help, contact the appropriate authorities:

  • California Department of Insurance: 800-927-4357

  • Contractors State License Board: 800-321-2752

  • FEMA (Federal Emergency Management Agency): 800-621-3362

  • National Insurance Crime Bureau: 800-447-6282

  • Los Angeles County District Attorney’s Office: 213-257-2450

By staying informed and cautious, wildfire survivors can protect themselves from scams and ensure they receive the support and compensation they deserve. Always verify credentials and reach out to official sources when in doubt.

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