Losing your home to a fire is a traumatic and overwhelming experience. The path to recovery can feel daunting, but you don’t have to navigate it alone. Understanding the critical steps to take after a home fire can help you regain stability and move forward with confidence.

15 Steps to Recover After a Home Fire

1. Document the damage

Before any cleanup or repairs begin, take extensive photos and videos of the fire damage. Be sure to wear protective gear and follow safety protocols. If available, gather photos and videos of your home before the fire to compare damages.

2. Make an inventory

Create a detailed list of damaged or lost items. Use an online registry or inventory tool to calculate replacement costs for insurance purposes.

3. Contact your mortgage lender

Notify your mortgage company immediately and inquire about forbearance options. If needed, request a copy of your mortgage deed or trust.

4. File for property tax relief

Check with your county assessor’s office to submit a disaster relief claim, which may temporarily reduce your property taxes.

5. Obtain your insurance policy

Request a certified copy of your full insurance policy, not just the declarations page. Understanding your coverage is key to receiving the benefits you are entitled to.

6. File an insurance claim

Contact your renter’s, homeowner’s, or fire insurance provider as soon as possible. Ask about rental assistance and be sure to document all communications in writing.

7. Consider professional help

Hiring a private insurance adjuster or consulting with an attorney can help ensure you maximize your claim and understand policy limits.

8. Open a separate bank account

Set up a dedicated bank account to manage insurance payouts and track all fire-related expenses efficiently.

9. Save all receipts

Keep records of temporary housing costs, food, pet boarding, and other expenses related to your displacement. Scan and store receipts digitally for easy access.

10. Redirect your mail

Submit a Change of Address form or secure a P.O. Box to ensure you receive important correspondence during your recovery.

11. Document property value

Capture screenshots of your home’s property value from independent sources like Zillow. Our Property Valuation Tool can also help provide estimates.

12. Explore disaster assistance options

There are various programs available to help fire victims, including:

• GoFundMe: Start a fundraiser, but remain vigilant about potential fraud using your name.
• 211 California: Access up to a free week of housing assistance.
• FEMA: Apply for federal aid if eligible.
• SBA Loans: Secure low-interest disaster loans up to $500,000 through the Small Business Administration.
• Local Aid: Check for additional resources through employers or professional associations.

13. Find long-term housing

Start searching for a stable living solution as soon as possible. Our team at Berkshire Hathaway HomeServices California Properties can connect you with trusted agents to help with your transition.

14. Access local resources

Utilize disaster resource centers for assistance with tasks such as canceling utilities, replacing lost documents, and finding community support programs.

15. Give yourself grace

Recovering from a home fire is not just about rebuilding—it’s about healing. Take things one step at a time and allow yourself the time needed to process this life-changing event.

Get expert support

For personalized guidance, additional resources, or assistance in finding long-term housing, reach out to your Forever Agent®. Together, we’ll navigate your road to recovery.

Need immediate assistance?

Visit bhhscalifornia.com to find expert real estate professionals who can assist with your housing needs during this difficult time.