Wildfire damage claims guide
Partial losses are more common than total losses — and harder to document
Wildfire claims range from smoke damage to total loss. Partial losses are often underpaid because homeowners don't know what to document.
What to document
Photos and video of all exterior damage: siding, decking, fencing, outbuildings, landscaping
Interior smoke and ash damage — every room, every surface, including HVAC vents and ductwork
Air quality readings if available — document the smoke event with local AQI data
Receipts for any emergency protective measures you took (boarding windows, temporary fencing)
A room-by-room home inventory with estimated values for personal property
Additional living expenses receipts if you were displaced — hotel, meals, storage
What adjusters look for
Distinguishing direct fire damage from smoke and ash damage — coverage and valuation differ
Whether the dwelling limit is adequate to rebuild at current construction costs
Personal property documentation — adjusters will scrutinize high-value items without receipts or appraisals
Additional living expenses — carriers will want receipts and may dispute the duration
Common mistakes to avoid
Cleaning up smoke and ash damage before documenting it thoroughly — this destroys evidence
Underestimating the scope of smoke damage, which can penetrate walls, HVAC systems, and personal property
Not tracking every additional living expense from day one
Accepting the first settlement offer without verifying the rebuild cost estimate
Need help with a claim in progress?
The RightQuote team can review your claim situation, connect you with a public adjuster if needed, and make sure you're not leaving money on the table.