Wildfires in California leave devastation in their wake—destroyed homes, lost belongings, and entire communities struggling to rebuild. For property owners and renters, the aftermath often includes the difficult task of filing insurance claims to recover for property damage. Unfortunately, this process isn’t always straightforward, and many victims discover that their coverage is incomplete or that insurers undervalue their losses.

At Pacific Wildfire Attorneys, we specialize in helping homeowners, renters, and businesses recover the compensation they deserve after wildfire damage. Understanding how property damage claims work is the first step toward protecting your rights.

Real Property vs. Personal Property Claims

Property damage claims fall into two main categories:

• Real property claims – These cover damage to your home, structures on your land, and the land itself. Examples include destroyed roofs, burned walls, fences, or garages.
• Personal property claims – These cover the belongings inside your home, such as furniture, clothing, appliances, electronics, and other possessions lost in the fire.

While many homeowners and renters have some form of insurance to cover these damages, it’s common for policies to fall short of the full amount needed to rebuild or replace what was lost.

The Problem of Being Underinsured

After a wildfire, many families realize their insurance policies don’t provide enough coverage—or worse, that they don’t have coverage at all. This leaves victims facing enormous financial burdens while trying to rebuild their lives.

Even for those with coverage, insurance companies often undervalue claims or offer low settlement amounts. These settlements may not take into account the true cost of rebuilding, replacing personal belongings, or covering long-term recovery expenses.

Filing Claims Against Southern California Edison

When wildfires are caused by the negligence of utility companies such as Southern California Edison (SCE), victims may be entitled to pursue additional compensation. At PWA, we file claims and lawsuits against SCE to recover the difference between what insurers pay and what you are legally owed.

In many cases, these claims are worth thousands of dollars. Holding utilities accountable ensures that victims aren’t left to shoulder the financial burden of losses caused by corporate negligence.

How PWA Helps Wildfire Victims

The process of recovering wildfire damages can feel overwhelming, but you don’t have to face it alone. Pacific Wildfire Attorneys will:

• Review your insurance coverage and settlement offers
• File claims for real and personal property damages
• Pursue underinsured or uninsured claims against SCE
• Fight to secure the maximum compensation you’re entitled to under the law

Our team has extensive experience advocating for wildfire victims across California and knows how to navigate both insurance companies and utility claims.

Take Action to Protect Your Recovery

If your home or belongings were damaged in a California wildfire, don’t settle for less than you deserve. Whether your insurance company has undervalued your claim or you’re underinsured, Pacific Wildfire Attorneys is here to fight for you.