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.

Four million acres of California’s wildest backcountry could soon be opened to paving roads and logging.

The Trump administration announced last week that it’s pushing forward with a proposal to scrap a 2001 rule that blocks logging, road building and other construction in parts of national forests. The administration argues repealing the so-called “roadless rule” is key to managing vegetation to better prevent wildfires on public lands.

Environmental advocates and other groups worry rescinding the rule would harm pristine habitat and the wildlife it supports, and open up more public land to industrial activities and human access that can cause more wildfires.

And locals are worried about losing access to some of the last protected natural lands in the region.

“What we're dealing with here in the roadless rule is the protection of the backcountry,” said David Browning, president of the Orange County Mountain Bike Association, “where you can actually go out and be having an experience where you don't hear traffic, where you don't see buildings, where you actually remember what it was like before all of us got here.”

In Southern California, large swaths of the Los Padres, Angeles, San Bernardino and Cleveland national forests would lose protections.

Browning, who spoke with All Things Considered host Julia Paskin on Monday, said he’s particularly concerned about the Santa Ana Mountains, where much of Orange County’s backcountry biking trails exist within a roadless area that could be opened to construction.

“Our mission is to protect and expand trail access, and so our entire agenda is to make sure that in a highly populated county, like Orange, that we have available the outdoors to be able to go and enjoy,” he said.

Browning takes issue with the wildfire argument — he pointed to the 2024 Airport Fire, which was sparked when heavy equipment operated by Orange County employees struck a rock. They were moving large boulders that day to, in part, block vehicles from getting into a dry brush area and potentially starting a fire. Browning said the “roadless rule” prevents such access that could increase the risk of fire. A recent peer-reviewed study supports that, finding that although roads are important for managing a fire once it ignites, they’re also more likely to be a place where a fire starts.

Though addressing wildfires and protecting public lands have become heavily politicized under the Trump administration, Browning thinks most locals probably aren’t as divided.

“ I don't think this is a party issue,” he said. “We want to hold onto the outdoors and protect them as best we can.”

There unfortunately isn’t much respite in sight for heat-weary Southern Californians.

Forecasters say this week’s heat wave is likely to be the hottest so far this summer. Extreme heat warnings will be in effect from the National Weather Service for almost the entire region from Tuesday morning through Friday evening.

Temperatures will peak between Tuesday and Thursday.

Highs in downtown Los Angeles are expected to reach around 100 degrees, and the warmest inland valleys will get up to 112. L.A. County beaches will hit the high 80s.

Forecasters have also issued Red Flag Warnings for the interior mountains and foothills of Los Angeles, Ventura and Santa Barbara counties. Gusty winds and low humidity at higher elevations mean fires could spark and spread quickly.

At lower elevations, humidity continues to make the heat feel more sweltering and make it harder to cool down, especially at night. Nighttime temperatures will only get down to the 70s in most places, including along the coast.

A slight cooldown is expected this weekend, though forecasters say temperatures will stay above normal into next week.

The extreme heat this week poses an especially high risk of heat-related illness for people over 65, young children, people who work or spend a lot of time outside and those without access to air conditioning.

Driving the heat

Several factors are behind this week’s heat wave, many of which have also been behind the rest of this summer’s consistently hot weather.

The main driver is a high pressure air system hovering over the southwestern U.S., trapping warm air, compressing it and warming it further, and blocking cooler air from entering the region.

Offshore winds are also pushing warm inland air toward the coast, preventing cooler onshore winds from blowing inland.

“That blocks our natural air conditioning off the ocean from coming in as early as it normally does,” said Weather Service meteorologist Mike Wofford. “So as long as that cool air stays offshore, it heats up on land.”

The offshore winds are not strong enough, however, to significantly dry out the air in the L.A. Basin and cut down on the humidity.

“That's probably going to be around for the whole summer because you’ve got all this warm ocean water that's feeding into that,” Wofford said.

Warmer seawater evaporates faster, adding to moisture in the air and increasing humidity across the region, especially along the coasts.

Air quality warnings

Along with the heat this week, many Southern Californians also have smog to worry about.

The South Coast Air Quality Management District issued an ozone advisory on Monday for inland areas of Los Angeles and Orange counties, much of Riverside County and parts of San Bernardino County. It will remain in effect through Friday evening.

The multi-day smog event is in part driven by the heatwave.

Officials say ozone pollution may reach unhealthy levels or higher in the Santa Clarita Valley, parts of the San Gabriel and San Bernardino valleys, and portions of the San Bernardino Mountains.

Under unhealthy levels, it’s possible for anyone to experience adverse health effects like difficulty breathing and throat irritation. Sensitive populations could experience more serious effects.

Levels are expected to be unhealthy for sensitive groups in the San Fernando Valley, Perris Valley, Mission Viejo, Lake Elsinore, Corona, Hemet, Riverside and Pasadena.

Officials advise certain vulnerable groups — including people with heart or lung disease, those with asthma, pregnant women, children and people over 65 — to limit their time outdoors.

Officials predict that ozone levels will be lower along the coast.