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LA Wildfire Resources

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The Wildfire Wake-Up Call: Are You Properly Insured?
  


Southern California has seen its fair share of devastating wildfires, leaving many homeowners facing not only the loss of their property but also the shocking reality that their insurance policies don’t fully cover the cost of rebuilding.  


Now, legal battles are brewing. More attorneys are stepping in, and class action lawsuits are forming against insurance companies accused of underinsuring homeowners. While this could lead to positive changes in insurance policies, it may also bring unintended consequences—higher premiums, new policy requirements, and added costs for homeowners.  


What This Means for You  

If you own property, it’s more important than ever to review your insurance policy and make sure you’re fully covered. Here’s what you need to check:  


? Rebuilding Costs – Does your policy reflect current construction costs? Prices have risen significantly in recent years.  

? Coverage Limits – Are you insured for the full value of your home, or just a fraction of it?  

? Disaster Coverage – Are wildfires explicitly covered in your policy, or are there exclusions?  

? Liability Protection – If your home is damaged but still standing, do you have coverage for temporary housing, repairs, and legal liabilities?  


What You Can Do Right Now  

1. Call Your Insurance Provider – Ask for a full policy review to ensure you’re not underinsured.  

2. Get an Independent Opinion – Consult with an insurance professional or real estate expert (like me!) to evaluate your coverage.  

3. Plan for Rising Costs – Be prepared for potential increases in premiums or new policy requirements in the coming years.  


Need Guidance? Let’s Talk.  

If you’re a homeowner, investor, or landlord, I’m here to help. Whether you need insights on your insurance, want to explore selling, or need help managing your rental properties, let’s connect for a no-obligation consultation.  


Also, I have wildfire recovery resources available on my website, including links to insurance claim support, rebuilding guides, and legal insights-reach out today! I’m here to help you navigate your next steps. Email: RealtorRobertOrtega@gmail.com
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Wildfire Resources for the Los Angeles Community

Our hearts go out to everyone affected by the recent wildfires in the Los Angeles area. During this challenging time, we stand united as a community. Below, you'll find valuable resources for assistance, staying informed, and ways to give back. Please share this page with anyone in need. Together, we can help rebuild and support each other.

How to Get Help

FEMA Assistance:

  • Online: DisasterAssistance - https://www.disasterassistance.gov
  • FEMA App: Available for mobile devices
  • Call: 1-800-621-3362 (4 a.m. to 10 p.m. PST, multilingual help available)

Housing Assistance:

Emergency Shelters:

Food Assistance:

Mental Health Support:

  • Call or text 988 or visit 988 Lifeline Chat - https://www.988lifeline.org.
  • LA County Department of Mental Health: 1-800-854-7771 or text “LA” to 741741.

Animal and Pet Support:

Insurance Moratorium Update

The California Department of Insurance has announced a mandatory one-year moratorium on insurance non-renewals and cancellations for homeowners impacted by the Southern California wildfires. This includes: Homeowners within the perimeters or adjoining ZIP Codes of the Palisades and Eaton fires. Protection regardless of whether the homeowner suffered a loss, as declared under the Governor’s January 7 emergency declaration.


Key links for updates and resources:

Staying Informed

Evacuation Alerts & Updates:

Evacuation Tips:

  • Plan three exit routes.
  • Pack a Go Bag with essentials.
  • Listen for evacuation warnings and orders.
  • More guidance: Ready CA - https://www.ready.ca.gov.

How to Give Back

Trusted Donation Platforms:

Volunteer Opportunities:

Donation Drop-Offs:

  • Location: 13470 Washington Blvd, Marina Del Rey, CA 90292.
  • Dates: January 11–19, 9 AM–4 PM.
  • Supplies needed: Water, blankets, toiletries, diapers, toys, small electronics, and clothing.

Financial Assistance

Tax Relief for Property Damage:

Insurance Claims:

Protect Yourself from Wildfire Smoke

  • Stay indoors and monitor air quality.
  • Use N95 masks outdoors.
  • Replace air filters regularly.

Important Reminder

California’s price-gouging laws are active. Be cautious of inflated prices and report violations to the Attorney General’s Office - https://www.oag.ca.gov. For real estate inquiries, there may be opportunities for sellers to leverage current market needs, while buyers could explore options for properties from owners seeking to relocate. Consult with a trusted professional to navigate these opportunities responsibly.

Contact Us

If you or someone you know needs assistance, or if you have questions about housing or community resources, please don’t hesitate to reach out. Together, we can make a difference.


Robert Ortega, Agent & Associates
(818) 7-BE-HOME or 
(818) 723-4663
Los Angeles (310) 890-3434 

CONTACT US
*By clicking "Submit" you are expressly consenting, in writing, to receive telemarketing and other messages, including artificial or prerecorded voices, via automated calls or texts from findmyvalleyhome.com at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply, frequency varies. Text HELP for help or STOP to cancel. More details in Terms of Use and Privacy Policy.
Real Estate Sales & Leasing - Residential | Luxury | Property Management | Certified Probate Expert
Robert Ortega
26650 The Old Road
Valencia, CA 91381
310-890-3434
DRE# 01167918
11812 San Vicente Boulevard
Brentwood, CA, 90049

Based on information from California Regional Multiple Listing Service, Inc. as of February 9, 2025. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
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