Policyholders affected by the devastating fires should take certain immediate steps to maximize potential recovery.
The Los Angeles County wildfires that began on January 7, 2025, and continue to ravage the communities of Pacific Palisades, Altadena, Hollywood Hills, and Sylmar, among others, have wreaked destruction. They have devastated structures and personal property of all types — homes, businesses, schools, community centers, places of worship, and everything in between — and upended the lives and livelihoods of hundreds of thousands in the area. The losses caused by these wildfires, smoke, winds, and other physical perils may implicate multiple lines of insurance, including commercial property (all-risks and named perils), homeowners, renters, auto, and specialized (e.g., agricultural products) policies. Umbrella and/or excess policies may also provide coverage beyond primary homeowners and auto policies, particularly for personal property losses.
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