The Brief

How do I get my insurance to pay for testing of my home for toxins after the fires that raged through L.A. neighborhoods in January?

What if my insurance adjuster says they won’t cover a long-term rental?

How can I get help navigating the claims process?

These are some of the questions popping up among people displaced or affected by the Eaton and Palisades fires. LAist talked with professionals in the insurance industry and individuals navigating the claims process to put together this guide to common questions and roadblocks.

Who does what?

Let’s start with the basic layout of the insurance ecosystem, as it relates to the L.A. fires:

Insurance adjuster: Adjusters investigate the damage to your property and injuries to determine how much your insurance company owes you based on your policy.

You are likely to deal with several adjusters as you navigate the claims process, including field adjusters, who actually visit your property to investigate the damage.

You are also likely to interact with independent adjusters, who are hired by insurance companies to help process claims. Because of the huge volume of claims from the SoCal fires, many insurance companies have had to hire independent adjusters from states across the country. They may be on the ground in L.A. for a month or several months, and then a different adjuster will take their place.

And then you have public adjusters, which are very different from the adjusters mentioned above. A public adjuster works on behalf of you, the insured, to help you navigate the claims process and negotiate a settlement. They typically get paid a percentage of the payout you receive from your insurer. Public insurance adjusters, like agents and brokers, are licensed by the state insurance department. (We’ll get back to when and how you might decide to hire a public adjuster.)

Tips on working with insurance adjusters

Make sure you know your policy. Read your policy thoroughly and make sure you understand what coverage you have in all areas, including for specific things like temporary living expenses and debris cleanup.

The nonprofit United Policyholders has an excellent guide on recovering from the 2025 wildfires, which you can download for free from their website. The group also holds online forums and FAQ sessions to help fire victims navigate recovery. (The next one is a survivor-to-survivor forum, at 7 p.m. tonight. Register on the group’s website.)

If you can’t find your policy or don’t remember what company you’re insured with, the state Department of Insurance has an online form you can fill out. Once you do, they’ll forward your information to insurance companies in California so they can search their records.

Know your rights

California law requires insurance companies to offer certain things to fire victims and adjacent communities, including:

• Four months advance payment for living expenses if your home was destroyed.
• Renewal of your insurance policy for a minimum of one year after an emergency declaration (Jan. 7) if you live within or adjacent to the fire perimeter.

Also, check out these tips for wildfire victims from the state Department of Insurance.

Keep up-to-date on public guidance

Pay attention to what public officials are saying, for example, about the cleanup process and related health concerns. You may have more information than your insurance adjuster and can use that to advocate for yourself.

You can sign up for updates from the county here.

Also check out all of LAist’s coverage of the fires and recovery.

Talk to your neighbors and other fire victims

You may be getting different answers about what your insurance company will and won’t cover from someone else in your community with the same insurance plan. That’s why it’s important to compare notes with fellow fire victims, said Kelsey Szamet, a lawyer whose home (which is still standing) is in the Eaton Fire burn area.

You can use that information to pressure your insurance company to offer you what they’re offering someone else.

Consider joining Facebook groups of fire victims and attending community forums.

Document, document, document

Since you may be working with multiple adjusters, it’s vital to document all of your interactions with them. “Because when the next set of adjusters come in, you want to make sure that any agreements that are made at the onset of the claim, they're still going to be an agreement throughout the whole process of the claim,” said Sydney Greenspan, a public adjuster with extensive experience in California wildfire claims.

Ask for names and call-back numbers, and save that information.

Greenspan suggests sending an email to the adjuster after each conversation recapping the topics discussed, any agreements made and asking for confirmation of receipt. And keep those records too.

Szamet said she and her husband are keeping a daily log of conversations with their insurance company in a Google doc and updating it in real time. Even though “we’re all overwhelmed,” Szamet said, “ you have to be your own friend and your own advocate in terms of documenting.”

Advocate for yourself

It may be exasperating and almost certainly is exhausting, but you have to constantly advocate for yourself throughout the claims and, if relevant, the rebuilding process.

And sometimes, if you’re not getting something you know you’re entitled to under your policy, you may need to escalate — but keep your cool. “Essentially, what I like to politely say is, ‘Can I have your manager please?’” Szamet said. “Can I talk to the next person? Can I talk to your supervisor? And just stay at it. Be pleasant, be calm, be friendly, and realize this person is probably just following orders.”

Likewise, if you are not satisfied with the adjuster assigned to work with you, you can ask to work with a different person. For Szamet, just asking the question removed a roadblock. “We had not had our adjuster come visit our property,” Szamet told LAist. “I called and said, ‘I would like a new adjuster’ via voicemail, and I also emailed that to my agent. I got a call back within an hour and someone was at my property within two hours to look at the damage to our house.”

Be proactive with the adjuster

Because you may be dealing with an adjuster from out of state, or with someone who isn't as familiar with your situation as you are, you have to be proactive, said Samuel Bruchey, an insurance lawyer whose home was damaged in the Eaton Fire.

“We have to remember that these adjusters, even if they're well meaning and reasonable, they are overloaded with claims,” Bruchey said. “And so you have to make sure that the details of your claim that you think are important are brought to the attention of the adjuster.”

Check your insurance company’s work

If your insurance company sends its own expert to your damaged home to estimate the cost of clean-up,  ”make sure you get a copy of whatever estimate the insurance company relies upon when it decides how much to pay,” Bruchey said.

When Bruchey did this himself, he found the report had vastly underestimated the square footage of his home. “If that estimate  is a lowball number, it's incumbent upon you to find somebody to prepare an estimate of your own, give it to the insurance company, and insist that the insurance company take it into consideration,” he said.

If your insurer declines, ask them to explain why, in writing. (Again, document everything!)

Don’t move too fast

People whose homes survived the Eaton and Palisades fires may be anxious to move back in, but Greenspan, the public adjuster, urged people to be patient. “Safety should be the most important thing in everybody's mind right now,” she said.

Greenspan said people should probably wait to have their homes cleaned until after debris cleanup in the burn areas is finished since that process could kick soot and toxins back up into the air and into your home.

“ What you don't want to happen is you don't want to move too fast, do the initial cleaning and then not remediate it the right way. And in the summertime, when it's a hundred degrees, all of a sudden your house is smelling like a campfire again,” she said.

Many fire victims who lost their homes have already gotten initial payouts. But rebuilding will take years, and insurance issues are likely to get thornier as people get further away from the initial disaster, experts told LAist.

Be patient, Greenspan said. Right now, we’re still in triage mode.

Feeling overwhelmed and in need of help?

You have options.

Public adjusters: If you just don’t have the substantial amount of time and energy it takes to deal with your insurance company, you could contact a licensed public adjuster.

Public adjusters will handle all the communication and logistics with your insurance company on your behalf. You retain “ the final say on everything,” Greenspan explained.

Check out these tips on hiring a public adjuster from the National Association of Public Insurance Adjusters.

Legal help: If you need help going over the nuances of your policy or have other fire-related legal concerns, many lawyers and groups are offering free legal assistance. Ask trusted neighbors and friends for referrals, or you can start with these well-established nonprofit groups:

• Legal Aid Foundation of Los Angeles
• Public Counsel
• Disaster Legal Assistance Collaborative
• Bet Tzedek

File a complaint: If you think your insurance company, or someone claiming to work on behalf of your insurance company, is acting unlawfully, you can file a complaint with the state Department of Insurance.

California’s first-in-the-nation fast food council — created to give workers a voice on wages, safety and working conditions — has not met in over a year and has no chairperson.

Now the workers the council was built to protect, organized by the Service Employees International Union, are taking their concerns directly to the state, demanding that Gov. Gavin Newsom appoint a chairperson so the council can do its work, as required by law.

Luna Mondragon, who works at a Carl’s Jr. in Milpitas, told CalMatters through a translator that she started out as a cook but has done many other duties in her five years there. After she joined the fast food workers union, she said she began speaking up, especially when she started to experience aches and pains from her job. Since then, she said she has been retaliated against, including with fewer shifts.

“If we don’t have our health we can’t accomplish anything,” she said, her voice choked with emotion. “It’s so important for them to appoint a chair. We need the council.”

The council was created as part of a 2023 compromise that also set a $20 minimum wage for fast food workers. It has the power to set standards on wages, health, safety and working conditions — and to raise the minimum wage annually for hundreds of thousands of fast food workers at chains with 60 or more locations nationwide.

The council — composed of four members representing the businesses, four members representing labor and a chairperson who’s an “unaffiliated” member of the public — must, under state law, hold at least two meetings a year, though the law does not specify who should enforce this provision.

The council only held those meetings in 2024; last year it held two subcommittee meetings, the latest in February 2025. Shortly after, the council’s chairperson, Nick Hardeman, resigned when Newsom appointed him to a different state position. When reached by CalMatters, Hardeman said he did not want to speak on the record about a council he has not chaired in a while.

In 2022, the Legislature raised fast food workers’ minimum wage to $22 an hour. The industry fought back, gathering signatures to repeal the law. Workers across the state went on strike. In late 2023, the SEIU and the industry reached a last-minute compromise: Workers dropped a ballot fight in exchange for a $20 minimum wage and the establishment of the council. The SEIU-affiliated California Fast Food Workers Union launched the following year — lacking the collective bargaining rights of a traditional union but acting as an advocacy and membership group for workers.

Tara Gallegos, a spokesperson for the governor, would not answer questions about the council, instead referring CalMatters to the state’s Labor & Workforce Development Agency. Crystal Young, a spokesperson for the agency, confirmed that there is no chairperson and the council’s meetings are on hold. The council’s four-person staff continues to respond to inquiries and prepare for future meetings, she said.

On April 16, marking about two years since the council’s first meeting, workers delivered a 96-page book to the governor’s office, describing more than 100 complaints filed with CalOSHA, the state labor department and different city agencies since the council’s formation, alleging wage theft and poor working conditions. The union estimates there are about 630,000 fast food workers in the state, about 75% of whom are people of color and 20% of whom are immigrants.

“Employers feel newly empowered to threaten us with calling ICE when we ask questions about paid sick leave or [workers’ compensation] or report health and safety hazards,” Angelica Hernandez, a McDonald’s worker who is a member of the fast food council, said in the book.

Rich Reinis, a member of the council who represents employers and is a former franchise owner, said he has no knowledge of when meetings will resume and is waiting. In his view, the council should have been discussing “fire and ICE.” The phrase refers to the effects of last year’s L.A. County fires on the fast food industry and its workers, some of whom lost their homes, and what businesses and workers need to know about immigration enforcement.

Reinis also wants the council to order a study of the wage increase’s effects on prices and employment. Competing studies by UC Berkeley and UC Santa Cruz have reached opposite conclusions, and the question of affordability remains unresolved, he said.

A Los Angeles Times columnist who analyzed the competing studies concluded the debate over the wage's effects is likely to continue. Hernandez, the councilmember, rejected the industry's claims the wage increase has hurt business. “The sky didn’t fall on the California fast food industry,” she said.

The council is also required to submit a performance review to the Legislature every three years — a deadline approaching without a single full meeting in the past year. Before he resigned, Hardeman, the former chairperson, said it was hard for the council to reach decisions.

“The staff will have to write a report without having any meetings,” Reinis said. “How the hell are we supposed to do that?”

Chris Holden, the former California assemblymember who authored the law that raised the workers’ wages and created the council, told CalMatters the council was “groundbreaking” and “needs to address the challenges that were the genesis of the council in the first place.” He said he hopes the governor is doing his due diligence to identify a new chairperson.

“I want to tell [the governor] to finish the job he started,” Julieta Garcia, a cook at a Pizza Hut in Los Angeles, told CalMatters through a translator. “Leave a good legacy for this generation and the future generation, so you can be recognized as a leader who gave fast food workers a chance.”

Young, the Labor & Workforce Development Agency spokesperson who was speaking on the governor’s behalf, confirmed that Newsom’s office received the workers’ book.

The governor's office has not said when — or whether — Newsom plans to appoint a chairperson to the council.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

Nearly 20 years after founding a successful environmental and safety consulting services company, Robin Thorne said she still gets checked for being a Black woman in the construction industry.

“I've had situations where people, they don't even make eye contact, and then the male has to step back to say, 'She's running the show,'" she said.

Robin Thorne (in pink jacket) founded DemoChicks to help women of color land jobs in construction industries.

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Courtesy DemoChicks

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Thorne runs CTI Environmental, a multi-million dollar company that was contracted by the Army Corps of Engineers to do debris removal after the L.A. fires.

She’s been an engineer for decades and knows fewer than one of four workers in architecture, construction and engineering industries who are women — and much fewer are women of color.

That proportion is low considering 47% of the U.S. labor force are women.

That's why she’s organized a “Women in STEM Signing Day” at Long Beach City College on Saturday, May 30. The event’s meant to create the type of excitement normally associated with young people signing up for college sports teams.

She wants younger women to tap into their drive to succeed

There were far fewer women in these jobs when Thorne was growing up in Philadelphia, but she didn’t let roadblocks, including those in her personal life — like being a single mom on public assistance — stop her.

DemoChicks helps give young women of color exposure to construction-related jobs.

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Courtesy DemoChicks

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“When I thought about being an engineer, I didn't think about it being male-dominated. I just knew I wanted to be an engineer,” she said.

She added that some women do give up on similar dreams or fail to find the spark that allows them to see themselves doing these jobs. That’s why Thorne started DemoChicks seven years ago. She wants young women to see her and think “engineer,” as well as connect with women who are already working in these industries.

Mentorship, examples, and money

The organization is called DemoChicks because demolition is one of the jobs that keeps Thorne’s company busy. More women are entering architecture, construction and engineering jobs than before, but the percentage of women in each industry is still low:

15% in engineering
26% in architecture
11% in construction

These are mostly stable jobs with good entry-level wages, jobs such as safety coordinators, project managers, project engineers and construction managers.

Beyond giving teen girls IRL examples of women in construction industry jobs, DemoChicks supports their academic efforts, which often means helping them out meet college expenses. DemoChicks gave out $1,000 scholarships to eight women last year (35 applied).

A third generation Latina truck driver from South LA

One of those scholarship recipients in 2024 was Ana Terrazas. She recalled growing up in South L.A., not as a latch key kid, but as a truck cab kid.

Ana Terrazas as a teen at her mother's construction job. Terrazas now works for a large construction company as a project engineer.

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Courtesy Ana Terrazas

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 ”My mother… was a truck driver,” Terrazas said, driving belly dump trailers on construction sites. Terrazas would help her mother change tires and lend a hand with any mechanical repairs. Her grandfather was a truck driver too.

“Since then I've always been obsessed with job sites, and also the superintendent, the one that would tell everybody where to go, how to do their job, and organize everything,” Terrazas said.

Two years ago she was working hard to finish her two majors — civil engineering and construction management — to earn her bachelor’s degree from Cal Poly Pomona. She applied for and was awarded a $1,500 scholarship from DemoChicks. That help, she said, had a big effect.

DemoChicks founder Robin Thorne, right, presents Ana Terrazas with a scholarship.

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Courtesy Ana Terrazas

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“I didn't have to take as many hours of work to be able to focus more on my studies and also in my internship during that time,” Terrazas said.

The internship, at Swinerton, a nationwide construction company that's more than 100 years old, turned into full time work as a project engineer.

Terrazas paid it forward earlier this year, inviting Thorne and a dozen DemoChicks to a Swinerton work site during Women in Construction Week. She urged the women to tap into their drive to succeed and lean on people like her for help.

“As long as they're driven and this is what they want, there shouldn't be a reason for them to not be able to get a job here,” Terrazas said.

With LACMA’s new David Geffen Galleries just steps away, it may be easy to forget that we have the richest Ice Age fossil site on Earth right here with the La Brea Tar Pits.

But the museum and research facilities at the tar pits are also scheduled for a multimillion dollar renovation.

Built in 1977, the George C. Page Museum at the tar pits has a special place in the hearts of Angelenos who’ve ever taken a field trip to see its massive mastodon skeletons or dire wolf skulls. Or have maybe shed a tear at the sculptures of the mammoth family in distress in the Lake Pit out front.

All that stuff is staying, museum educator Kay Lai told LAist, but new interactive exhibits will allow visitors to better understand the science that’s happening in their own backyard.

A rendering of the new outdoor amphitheater at the La Brea Tar Pits.

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Courtesy the Natural History Museums of Los Angeles County

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The transformation

“This museum, as beloved as it is, definitely needs that refresh,” Lai said. “And I’m really excited for the next generation of kids that gets to grow up and make new memories here with this new space.”

Lai said the museum refresh will include a new focus on Zed — the 80% complete Columbian mammoth found here — and other notable animals they’ve unearthed over the decades. The mammoth’s bones will be reassembled and Zed will “stand tall for the first time since the Ice Age,” according to the museum’s website.

“We’re able to focus on the very first saber-toothed cat fossils that we’ve ever discovered ... As well as some of our Ice Age survivors ... like Pebbles the Puma ... Pebbles would have been the ancestor of some of the mountain lions that still live in Los Angeles today, including P-22 that passed away a couple years ago,” Lai said.

Then there’s the fish bowl: you know, the fossil lab with windows where you can watch researchers at work?

An even better fish bowl

“So we’ll still have the fish bowl, but it’s going to be much more interactive and there’ll be much more discussion of what’s going on inside the fossil lab,” said Regan Dunn, assistant deputy director and curator at the new Samuel Oschin Global Center for Ice Age Research.

A digital rendering of the new fish bowl at the Samuel Oschin Global Center for Ice Age Research.

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Courtesy the Natural History Museums of Los Angeles County

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Dunn explained that the area where they store their collections of fossils and other specimens is getting major updates too.

“Super valuable, millions of specimens, will be in upgraded systems where there’s climate control. There’ll be enclosed cabinets and be under much better maintenance. And also allow for much more research to happen,” she said.

The La Brea Tar Pits are still very much an active paleontological research site. Dunn said any time a hole goes in the ground in the Hancock Park area, a new discovery is made.

With new outdoor classrooms and a 1-kilometer pedestrian pathway that will take visitors past excavation sites, the idea is to make the research going on here more visible to the public.

Your last chance to visit the tar pits before its two-year transformation is July 6.

A digital rendering showing the aerial view of the updated La Brea Tar Pits grounds.

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Courtesy the Natural History Museums of Los Angeles County

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This story was originally published by CalMatters. Sign up for their newsletters.

In the face of the nation's highest gas prices, California lawmakers approved a bill to ease restrictions on E85 conversion kits — devices that let conventional gasoline cars run on a cheaper, mostly ethanol fuel blend.

Assembly Bill 2046, dubbed the “Access to Affordable Gas Act” by its author, Assemblymember Rhodesia Ransom, a Stockton Democrat, advanced through the Assembly on a 59-0 vote with no debate or opposition.

The measure is the latest example of Sacramento lawmakers scrambling to respond to gas costs that have soared amid the Iran-Israel war, which has rattled global oil markets and pushed California pump prices above $6 a gallon. It now heads to the California state Senate and would need Gov. Gavin Newsom’s approval before it becomes law.

“Californians consistently pay more at the pump than drivers from other states, and gas prices are once again climbing across the state,” Ransom said on the Assembly floor Thursday. “For commuters and working families, [the proposal] offers a practical way to save money.”

If approved in its current form, the measure would exempt manufacturers of E85 converter kits from an approval process by the state’s primary climate regulator, the California Air Resources Board, which requires companies to demonstrate the devices do not increase a vehicle's emissions. The bill would leave in place a separate federal certification process run by the Environmental Protection Agency.

“Members in Sacramento are looking for ways to try to reduce costs — or appear to reduce costs of driving — and so this is a way to do that,” said Aaron Smith, a UC Berkeley economist and fuels expert.

The converter kits, which cost between $800 to $1,250, according to a legislative analysis of the bill, would let drivers convert their cars to run on both gasoline and E85 fuel.

E85 is a blend of up to 85% ethanol and 15% gasoline; the share of ethanol typically is between 55% and 85%, said Smith, the Berkeley expert.

Jeff Wilkerson, government affairs manager for Pearson Fuels, the largest E85 fuel provider in the state and a bill supporter, said E85 — much of which is made from Midwest corn — is largely insulated from overseas oil shocks that drive California gas prices. The ethanol blend has sold for $2 or more less per gallon than gasoline during recent price spikes.

While E85 is typically priced lower than gasoline and can reduce petroleum dependence and carbon emissions, it delivers 20% to 30% fewer miles per gallon, according to the air board, meaning drivers only save money when E85 is priced at least 20% to 30% below gasoline.

About 1.3 million vehicles in California can currently use the fuel, which is sold at about 640 stations statewide — just 3% of the state’s more than 15,000 fuel pumps, according to the bill analysis.

Ransom said more E85 pumps would be built if the state loosened restrictions and encouraged demand for the fuel blend. She stressed that her bill would present E85 as an alternative.

“For some people, it may not be a wise choice, but at least now it’s going to be a choice,” she said.

Environmentally, the fuel is rated cleaner than regular gasoline by California's Low Carbon Fuel Standard. But that rating has critics. Smith, the Berkeley economist, said the benefits of ethanol are likely overstated. Official numbers likely understate emissions from land use as rising corn demand for ethanol pushes farmers to clear forested land.

The state’s own certification record offers a cautionary tale. Lindsay Buckley, a spokesperson for the board, said the agency has received only five applications from companies for E85 conversion kits since 2008 and that none has cleared the certification process, which is designed to ensure modified vehicles still meet their original emissions standards. Supporters of the proposal argue the board moves slowly and its regulations are burdensome.

But loosening that standard carries its own risk, cautioned Aaron Kurz, senior consultant on the Assembly Transportation Committee, especially now.

As the federal government has stripped scientific expertise from regulatory decisions, he wrote in his analysis, “this committee should consider if the state should cede authority over an inherently scientific process and set a precedent for transferring approval authority to the federal government.”