Confidently Navigating Insurance and Rebuilding from Afar
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Insurance Claims Process
Initiating your Claim
- Take decisive action by initiating your claim immediately—both by phone and in writing.
- Secure your claim number and the direct contact information for your adjuster. This will allow you to maintain clear communication going forward.
- Request a complete copy of your policy to fully understand your coverage. Knowledge is power, and this will equip you to make informed decisions.
- Keep meticulous notes of every conversation, documenting dates, times, and the names of those you spoke with. This level of detail will serve you well as the process unfolds.
- Inquire about Additional Living Expense (ALE) coverage. This is a crucial aspect that will support you with temporary housing and additional expenses.
Understanding Your Coverage
- Thoroughly review the policy limits for your structure, contents, and ALE, as well as any applicable deductible. This understanding is vital as you navigate the claims process.
- Determine if you have “replacement cost” or “actual cash value” coverage. Knowing these details will help you advocate for the compensation you deserve.
- Identify any “code upgrade” or “ordinance/law” coverage that assists in meeting current building codes during your rebuild.
- Understand if you have extended replacement cost coverage, which typically provides 125-150% of your policy limit, giving you a broader safety net during this process.
Working with Adjusters
- If further discussion is needed, don’t hesitate to request virtual meetings. Strong communication is key to an effective claims process.
- Ask for all documentation to be sent to you electronically to streamline your review and management of information.
- Request a written scope of loss detailing all damages. This documentation will be essential in evaluating offers.
- Stay firm when receiving the initial offer; it often doesn’t reflect the full extent of your losses. You have every right to negotiate for a fair settlement.
Rebuilding Process
Initial Planning
- Clearly decide whether to rebuild your home exactly as it was or explore innovative ideas for changes. This is your opportunity to shape your future.
- Research local contractors from a distance, ensuring you check reviews, licenses, and insurance. You have the power to choose trustworthy professionals.
- Request references from contractors who have successfully completed recent fire rebuilds. Their past performance will guide you in making confident decisions.
- Schedule virtual meetings with your top candidates. Establishing rapport is essential, and it gives you the advantage of assessing their communication skills.
Professional Help
- Engage an architect if you plan to make changes. Collaborating with a skilled professional enhances your vision and helps ensure a successful outcome.
- Consider hiring a construction manager or owner’s representative to oversee your project effectively. This will provide you with peace of mind during the rebuild.
- Enlist a local real estate attorney to review contracts. Their expertise will protect your interests and ensure a smooth process.
- Consult with a reputable local real estate agent to understand how your rebuilding choices could affect the future value of your property. Make informed decisions that align with your goals.
Project Management
- Utilize project management software to effectively track progress, manage documents, and communicate with all parties involved. This approach will enhance your oversight and control.
- Schedule regular video calls with your contractor. Frequent check-ins keep you engaged and ensure the project stays on track. You may also consider flying in at certain times during construction.
- Establish clear milestones for payments. Structure creates accountability and confidence in the process.
- Considering the unknowns and the magnitude of the disaster which may delay the initial start of construction, you may want to consider surveying and/or fencing in your property depending on the topography.
Financial Management:
- Open a separate checking account for the rebuild. This will help you track expenses clearly and maintain organization.
- Keep all receipts and documents organized digitally. A well-organized system enables you to manage your finances effectively.
- Track everything in a spreadsheet to get a comprehensive view of your budget and expenses.
- Collect multiple bids for major work. This competitive approach empowers you to secure the best value for your investment.
- Build a 40% contingency budget for unexpected expenses. This strategic planning will safeguard you against surprises.
Timeline Expectations:
- Understand that the permit process typically takes a few months, although city officials have told us that certain permits will be “expedited.”
- The design phase generally lasts a couple of months, and construction could span from 12-24 months or more after phase 2 clean-up has been completed depending on hyper-local conditions.
- Overall, based on the information officials have shared with us and assuming the streamlined processes go smoothly, and City offices are adequately staffed as promised, expect the complete process to take no less than 24 months. Prepare yourself for this broad timeline, and know that each step brings you closer to your successful rebuild.
Approach this journey with confidence. You are actively shaping your future, and every decision you make will bring you closer to your goal. Keep your focus on the outcome you desire and take charge of the process ahead.
New Palisades Support Center Opening at the American Legion Post Building
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Starting today, residents and fire victims can come to the Legion Building at 15247 La Cruz Avenue (below CVS and next to the Post Office) to get assistance from various agencies and groups. The hours are expected to be Monday – Saturday 9am-5pm.
The Legion will be manned by veterans who want to help affected residents and helmed by past Ronald Reagan American Legion Commander, Jim Cragg. There will be stations that offer free legal advice, insurance advice, FEMA, the Small Business Association (SBA) and the Red Cross, as well as Mental Health Professionals (L.A. County Department of Mental Health), Trauma Counselors and Clergy.
Personal protective equipment (PPE) will be available along with food and water as well as shovels and sifters.
There will be flags stationed along the drive route from Sunset & Chautauqua, Sunset & PCH and Sunset & Temescal – all to help guide residents to the new assistance center.
We hope it is more convenient for those who have regularly gone to the UCLA Research Park on Pico.
Did You Lose Your Will, Trust or Other Estate Documents in the Fire?
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Many who lost everything in the fire also lost the physical copies of their will and trust. These are critical documents that many did not store offsite or digitally in the cloud. As the situation stabilizes, obtaining a copy from your estate attorney as soon as possible becomes essential.
Unfortunately, if your estate plan was created long ago, the attorney may have retired, making them difficult to locate, or–worse yet–they may have passed away. In such a case, it would be best to hire a new estate attorney. Recreating your estate plan and putting your wishes in writing is important.
Alternatively, writing a handwritten will as soon as possible can give you some control in determining the disposition of your assets. However, in order to avoid probate and have your estate disposed of as you wish with the least complication, contacting an estate attorney to have new documents drafted would be a wise step.
If there’s one lesson from this year, it’s the importance of being prepared for the unexpected.
Replacing Essential Documents
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Priority Documents
Driver’s License, REAL ID or State ID
- To save time, use the online DMV services at: https://www.ca.gov/LAFires/ for quicker retrieval of your Real ID or CA DL. The DMV announced they are waiving the usual fees to fire victims.
- If you are not able to complete your transaction online, you can call 800-777-0133 to facilitate the process.
Social Security Cards
- Initiate the process by applying online at the Social Security Administration’s official website at https://www.ssa.gov/number-card.
- Alternatively, you can call 800-772-1213 or visit a local Social Security office, where staff can guide you through the application process.
Birth Certificates
- Contact the vital records office in the state where you were born. This is the official entity that manages birth certificates and can provide the copies you need.
- Many states offer the convenience of online ordering through a service called VitalChek, allowing you to place your order from anywhere.
Marriage Certificates
- Reach out to the county clerk’s office where your marriage license was issued. This vital record will serve as confirmation of your marital status.
Financial Documents
Credit Cards
- Contact each of your credit card issuers without delay to inform them of your need for replacement cards.
- Vigilantly monitor your account statements for unusual or fraudulent transactions, as this will help safeguard your finances.
Bank Documents
- Visit the closest (other) local bank branch armed with identification to request new debit cards, checkbooks, and copies of your recent bank statements.
- Make sure to update your online banking credentials immediately, ensuring they are secure and accessible as you navigate this transition.
Insurance Policies
- Contact all of your insurance agents across different sectors, including home, auto, life, and health insurance, to request duplicates of your policies.
- Clearly communicate any changes or, especially if you are temporarily relocated.
- Consider maintaining digital copies of your insurance policies for easy access and safekeeping, which can save you time and stress in the future.
Property Documents
Property Deed
- The quickest way to get a copy of your recorded deeds these days is a digital copy from a title insurance company. If you would like our assistance, we would be glad to help.
Vehicle Titles
- To save time, use the online DMV services located at: https://www.ca.gov/LAFires/ for quicker retrieval of your vehicle title replacement. The state has announced they are waiving the usual fees to fire victims.
- If you are not able to complete your transaction online, you can call 1-800-777-0133.
Medical Documents
Medical Records
- Contact each of your healthcare providers directly to request copies of your recent medical records.
- If you had not already, consider signing up for patient portals, which many healthcare systems offer, as these can provide easy digital access to all your medical records.
Immunization Records
- Get in touch with the state health department, which maintains records of immunizations administered.
- Alternatively, request your immunization records from your primary care physician for a complete history.
Additional Important Documents
Passport
- If you have lost your passport, report it immediately to the State Department to prevent fraudulent use at https://travel.state.gov/content/travel/en/passports/have-passport.html, where you can also apply to replace your passport online if you already have one.
- Ensure you provide adequate proof of citizenship and identity during this process, as this information is essential for issuing a replacement.
Military Service Records
- To obtain your military service records, submit a request through the National Archives using the eVetRecs tool, which streamlines the process.
- You can also contact your local Veterans Affairs office for further assistance and information on your records.
Recording From Friday’s (2/7/25) Community Meeting With Councilwoman Park & Many Other Officials
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For those who were not able to join or would like a recap. This meeting was extremely informative and comprehensive. It covered everything from homes that remain intact to swimming pools to rental units to the water and utility work underway, and more. Although there are questions that can’t be answered fully at this moment, and things can change at any time, this meeting offered a lot more information than we have had to date.
Here is the recording:
https://youtu.be/WJpafqDSZP8
There is another Community Meeting on Tuesday, Feb 11th @ 6:00pm. RSVP using the link below…
Join me for a Virtual Community Town Hall on Tuesday, February 11, from 6:00 PM – 7:30 PM, with EPA and FEMA to discuss key issues, including EPA’s decision to use Will Rogers Beach for hazardous material storage, drought and fire resilience, and emergency response efforts.
I have concerns about the EPA’s debris collection approach and lack of community engagement, and I look forward to addressing them.
RSVP now to receive the meeting link here.
Palisades is Under a No-solicitation Order to Help Protect Residents From Predatory Buyers
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Los Angeles fire victims get protections from predatory real estate investors under new order from Gov. Gavin Newsom
On Tuesday, January 14th, Governor Gavin Newsom issued an executive order to protect firestorm victims in the Los Angeles area from predatory land speculators making aggressive and unsolicited cash offers to purchase their property. Taking advantage of the disaster and associated trauma, these predatory and exploitative practices endanger the financial well-being and security of vulnerable victims.
The executive order safeguards residents of hard-hit zip codes (including 90272) in Los Angeles County from these predatory practices. Undermarket offers by opportunistic investors in communities such as Pacific Palisades and Altadena threaten the character and vibrancy of the community and could displace and endanger vulnerable residents who have long ties and investments in the community.
The Governor’s executive order:
- Makes unsolicited undervalued offers to purchase property from property owners in specified zip codes of Los Angeles County unlawful for a period of three months from the date of this Order.
- Directs the Department of Real Estate, along with other state agencies, to provide notice to the public of their rights under the law, resources for more information, and contact information for law enforcement agencies, such as the Attorney General’s Office and District Attorney, with the power to enforce the prohibition.
- California law makes it a misdemeanor to violate a Governor’s order during a state of emergency, which can be prosecuted by the Attorney General or local district attorneys. Violations can be reported to the Attorney General’s office at oag.ca.gov/report.
This executive order is modeled on a similar order issued by Hawaii Governor Josh Green to preserve local communities and protect residents from exploitation after wildfires destroyed the town of Lahaina and surrounding areas in August 2023.
A copy of the executive order can be found here.
Price-gouging Restrictions Have Been Lifted to Allow for More Housing Options for Displaced Fire Victims
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Gov. Gavin Newsom has lifted a price cap on new rental listings for some single-family homes in Los Angeles, responding to concerns that the rules had been restricting the availability of housing in the wake of last month’s wildfires.
Triggered by the Eaton and Palisades fires, California’s price-gouging laws have limited the monthly rental price for Los Angeles County properties that had not been offered for rent in the previous year to, in effect, no higher than $9,554 a month. That amount was below pre-fire prices for larger houses in wealthier neighborhoods. Real estate analysts have told The Times that the price cap could be keeping thousands of potential rentals off the market. More than 11,500 homes were destroyed in last month’s fires.
Under an executive order issued Monday, Newsom waived the price-gouging rules for new rental listings of single-family-homes of four bedrooms or larger in Bel Air, Beverly Hills, Brentwood as well as in these ZIP codes: 90015, 90049, 90067, 90077, 90094, 90210, 90263, 90265, 90266, 90272, 90274, 90275, 90290, 90291, 90292, 90703, 91011, 91105, 91210, 91301, 91302, 91307, 91354, 91364, 91436, 91709, and 91789.
Read more here: https://uk.news.yahoo.com/gov-newsom-lifts-price-caps-195539316.html
Caltrans Announces PCH Closure in Burn Area Ahead of Rains
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Palisades residents and contractors will be able to access homes via Chautauqua Boulevard with passes
LOS ANGELES – The California Department of Transportation (Caltrans) today announced that in anticipation of predicted rain, PCH will be closed to the public on Tuesday, Feb. 4 between Chautauqua Boulevard in Los Angeles to Carbon Beach Terrace in Malibu, with Palisades residents still able to access their homes via Chautauqua Boulevard with their resident passes.
The closure will remain in effect at least until Friday, Caltrans officials said, when their geotechnical engineers will assess the slopes and canyons to inform the decision whether to reopen PCH to the public.
Slopes made bare by the recent fires are at increased risk for mud and debris flow, and soft soils could make the roadway more susceptible to damage.
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Unified LA provides Emergency Public Information regarding large-scale incidents and planned events, where multiple Los Angeles area agencies are under a Joint Information Center.
Check the Status of Phase 1 on Your Property
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Although it has just begun and there is a loooong way to go, if you would like to consult the EPA’s Story Map to see whether your property has had Phase 1 Hazardous Debris Removal yet, follow these steps:
- Click the link below:
https://storymaps.arcgis.com/stories/12e839aa88764185ab7ef3f84cace1ea - Scroll down to the map
- Click the SEARCH magnifying glass in the upper left corner of the map (If you are using a mobile device, you may need to tap on the map to open the address search box)
- Enter your address in the box that opens & select the appropriate address from the drop-down list
- The map will zoom to your property and a dot will appear
- Click on the dot and a box will open showing the status of the Phase 1 clean-up
LA County handouts: Hazardous Waste, Returning Home After a Fire & Join the Virtual Town Hall Meeting on 1/31/25
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As our beloved residents return to their properties to witness the catastrophic remains first-hand, please be aware of the information below regarding Trash & Household Hazardous Waste AND Returning Home After A Fire.
Click below for each handout:
Palisades RIGHT OF ENTRY forms are now available
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Now that Phase 1 is underway and Phase 2 is slated to begin as soon as feasible (as determined by the officials), residents must decide whether they wish to Opt-IN or Opt-OUT for the Phase 2 debris removal that will be performed by the Army Corps of Engineers.
The process for Phase 2 is as follows:
Phase 2: Comprehensive Debris Removal Program
Phase 2 focuses on the removal of structural debris, foundations, hazardous trees, and contaminated soil.
- Start Date: Phase 2 begins on January 28, 2025 with forms available at the Disaster Recovery Center. They will also soon be available online at recovery.lacounty.gov.
How to Opt-In:
- Verify property ownership with the County.
- Submit your ROE form at the DRC beginning January 28 or soon online at recovery.lacounty.gov.
Opt-Out Option: Property owners can opt out by submitting their decision at recovery.lacounty.gov (coming soon). Property owners will have 60 days to opt-out.
Private Debris Removal
If you choose private debris removal, here’s what to expect:
- Hire private contractors who meet strict certification guidelines for hazardous material removal.
- Once a property owner opts out, they cannot later opt-in.
- Private contractors will file one permit managed by the County to ensure safety.
Please click the link below to learn more and to download and complete whichever form you wish to submit depending on whether you want the debris removed for you at no charge* (Opt-IN) or whether you want to hire your own contractor to remove the debris out of your pocket (Opt-OUT).
https://recovery.lacounty.gov/debris-removal/
*NOTE: Depending on your Insurance Policy, there may be a line item called Debris Removal (or something like that). If so, that amount may be allocated from your insurance company to the appropriate debris removal entity.
Update to Sunset Mesa Residents Regarding Water Quality
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On January 10th, 2025, customers of Los Angeles County Waterworks District No. 29, in the eastern portion of the City of Malibu up to and including Carbon Canyon and the community of Saddle Peak in Topanga, were notified to not use the tap water for drinking or cooking purposes.
After extensive testing confirming safe drinking water quality, Los Angeles County Waterworks District No. 29, in conjunction with the State Water Resources Control Board, has determined that, through abatement of the health hazard, your water is safe to drink.
Prior to using water in your home or business, turn on all outdoor hose spigots for at least 5 minutes each or longer until the water is clear.
Afterward, turn on all interior faucets, including sink faucets, showers, tubs, etc. Run water for both cold and hot for at least 5 minutes each or longer until the water is clear. This process should remove any sediment or discoloration that may be in the water.
Click here for the CANCELLATION OF UNSAFE WATER ALERT: Do Not Drink Notice Cancellation January 28, 2025 D29 ENGLISH.pdf
If you have any questions, please contact us at 877-637-3661.
For additional information regarding water quality, please call 800-718-6062.
Final Palisades Fire Zones Have Been Lifted for Re-entry
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Residents of Zones LOS-0767 E and 0767-K are now allowed to access their properties.
All Zones in the City of Los Angeles are now open for resident-only access.
Resident Access: Access passes are still required; however, escorts are no longer needed. Check in with law enforcement between 10:00 a.m. and 5:00 p.m. for an access pass to all Resident-Only Zones in the City of Los Angeles. Check-in location: Lot 3 Beach Access, 1150 Pacific Coast Highway, Santa Monica, CA 90403. Curfew hours remain in effect.
Contractors will be allowed in the fire area (LA City) to conduct assessment work. Contractors will be required to provide identification and proof that they have been hired by specific residents within the impacted areas. Contractors must report to the check-in area (Lot 3) to be granted access and will be provided a pass to enter.
Los Angeles Wildfire Resources
Please see below for community resources related to the recent Los Angeles wildfires
- California Government Wildfire Resources
- FEMA Assistance
- Red Cross Disaster Relief
- SBA (US Small Business Administration) Disaster Assistance
- Los Angeles County Tax Assessor Disaster Relief
- AirBnB Housing Support
- 211 Los Angeles (Hotline for Local Services/Resources)
- YMCA Shelter & Shower Locations
- California Department of Insurance (Tips for Wildfire Claimants)
- California Department of Insurance Press Releases
- Mutual Aid Los Angeles Network (MALAN) – Fire & Windstorm Resources
- CalHOPE – Mental Help Services
- Substance Abuse & Mental Health Services Administration (SAMHSA)
Information for Landlords and Tenants
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Picking up the pieces after a natural or man-made disaster can be difficult for all consumers. It can be particularly challenging for tenants and landlords. What happens to a lease or rental agreement if a rental unit is damaged? Every situation is different, but the extent of the damage usually determines how a landlord/tenant agreement should be resolved.
I’m a tenant. Do I still owe rent if my rental unit has been destroyed in a disaster?
No. Under California Law, if the rental unit is completely destroyed, the lease/rental agreement no longer applies. You are no longer required to pay rent and the landlord is no longer required to provide housing. The landlord must return any prepaid rent and refund the security deposit in accordance with California law.
My rental unit was partially destroyed after a disaster. What happens to my lease/rental agreement?
If a rental unit is partially destroyed, and can’t be lived in, the tenant may choose to end or continue the lease/rental agreement, depending on the circumstances and condition of the rental property. It is important to seek legal advice from an attorney before stopping rent payments.
A tenant may decide to:
- End the lease/rental agreement and find a new place to live, or
- Remain at the rental unit. The landlord is responsible for making the necessary repairs to ensure it is in livable condition. Once the repairs are complete, the tenant can move back in again and resume paying rent.
If your rental property is under Rent Control you may be eligible for relocation assistance while you are temporarily displaced during your landlord’s repairs. Contact us at (800) 593-8222 or visit our Rent Stabilization page to learn more.
My rental unit suffered only minor damage. Do I still owe rent?
Yes. If your rental unit has some damage but is still livable, you must continue to pay rent. However, the Palisades fire has rendered Pacific Palisades currently uninhabitable even if a home is undamaged due to a number of factors.
Contact the landlord and request urgent repairs like in any normal situation. The landlord must make urgent repairs quickly. If your landlord does not make repairs quickly, you have several options for getting the repairs handled. Contact DCBA for more information.
My rental unit is completely destroyed, and I need to move out. Does the landlord owe me relocation assistance?
No. If the property is completely destroyed and the landlord is not responsible for the damage caused by a disaster, such as a fire, the landlord is not required to pay relocation assistance.
I need to move out of my rental unit. Should I pay a company for rental listings?
You can, but we recommend conducting a background check on the company first. The California Department of Real Estate must license companies that charge you in advance to find you a place to live. Contact The California Department of Real Estate at (877) 373-4542 to check whether a company has a valid license, or find out if people have complained against them. Be aware that many companies charge for rental listings that are old or don’t exist. The company must give you a written contract. Read and understand the contract before you sign it.
My personal property was destroyed in the disaster. Does my landlord owe me for the losses?
No. If the landlord was not responsible for the damage caused by a disaster, such as a fire, they do not owe any costs for lost possessions. If you have renters’ insurance, you may be able to receive recovery costs, depending on your policy. Review your insurance policy and contact the California State Department of Insurance for more information.
Rent Control Restrictions and Protections: Local, County, and State Rent Control restrictions and protections may still apply to covered properties and mobile-home spaces and may often be more protective than active Price Gouging Orders. Contact DCBA or visit our Rent Stabilization page to learn more about the County’s Rent Stabilization Ordinances.
Disclaimer: This page contains general information and is not legal advice. Readers should consult with an attorney for legal advice on their rights and responsibilities.
Further Access to Some Palisades Neighborhoods
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The following zones have been opened and or just opened for the following areas.
- The Castellemmare area 0767-F
- The Pacific View Estates area 0767-F
- The Highlands area 0767-J
These areas are open to residents only. Due to the extensive damage and utility personnel still working in the areas, we are not allowing contractors or insurance adjusters up into the areas without the Resident in the vehicle with them. We are trying to limit the number of vehicles and traffic into the area. I understand the need and concerns to have your properties evaluated. But we must continue to be patient.
These areas are open to residents only. Due to the extensive damage and utility personnel still working in the areas we are not allowing contractors or insurance adjusters up into the areas without the Resident in the vehicle with them. We are trying to limit the number of vehicles and traffic into the area. I understand the need and concerns to have your properties evaluated. But we must continue to be patient.
- Escort hours are from 10am-5pm only.
- You have to show proof of residency in order to be escorted up to the area. You can stay at your property as long as you like. I believe they might be setting up escorts if you are going to leave the area. The Officers will tell you once you are getting escorted up.
- Staging area for escort. Access PCH down through the California Incline to parking lot 3 in Santa Monica (1150 PCH) to get escorted up the Highlands. This is the staging area where the resident will be verified.
Please check the genasys website or app for your zones for more specific evacuation information.
Visit https://protect.genasys.com
Brian Espin #37430
Senior Lead Officer (Pacific Palisades)
Los Angeles Police Department | West Los Angeles Area
310-444-0737 | [email protected]
LA Fire Victims: What to Do if Someone Offers to Buy Your Property
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Update 1-22-25
State officials are warning people who have lost their homes or businesses to the recent Southern California wildfires to be on alert for any offers to buy their property.
According to the California Department of Real Estate, since the fires, many home and business owners have gotten unsolicited offers to buy their property, “in many instances, for amounts far less than the fair market value.”
Shortly after the fires, Gov. Gavin Newsom signed Executive Order N-7-25, which prohibits these unsolicited offers in zip codes across Southern California. The DRE is asking anyone who receives an unsolicited offer to buy their property, particularly if the offer is below the perceived market value, to report it to the Department by emailing [email protected].
Newsom’s executive order was signed on Jan. 14, one week after the Palisades and Eaton fires started, and will be in effect until April 14, 2025. Under the order, anyone who makes an unsolicited offer could be charged with a misdemeanor, punishable by a fine of up to $1,000, six months in jail, or both.
“The person making that offer might offer a description of themselves as someone helping people in financial distress, an investor, a real estate agent or broker, a representative for an investor, or someone with cash on hand who buys any property in any condition,” the DRE said.
The order affects areas across the Los Angeles area, including Altadena, Pacific Palisades, Pasadena, Malibu, Santa Monica, and more. The order is in effect for the following zip codes:
- 90019
- 90041
- 90049
- 90066
- 90265
- 90272
- 90290
- 90402
- 91001
- 91010
- 91104
- 91106
- 91107
- 93535
- 93536
More information about the executive order can be found by clicking here.
The Source: Information in this story comes from the California Attorney General’s Office and the state Department of Real Estate.
Get Your Property Reassessed ASAP!
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Whether your property is still standing or a total loss, it is important to file a request for reassessment of your property as it will likely result in an adjustment to your property taxes. Do not expect it to be adjusted overnight, but it will prove to be worthwhile.
Here is the link to the County Assessor and necessary forms: https://assessor.lacounty.gov/forms
Contact Your Mortgage Provider Too!
Likewise, by contacting your Mortgage Provider, you can explain the circumstances and ask for deferment or modification to your mortgage.
The Repopulation of Pacific Palisades
QUESTIONS ANSWERED BY BRIAN ESPIN, SENIOR LEAD OFFICER IN PACIFIC PALISADES:
There have been a lot of questions regarding the repopulation of the Palisades.
Here is a quick synopsis.
- Can my contractor or insurance adjuster go to my property to do an assessment or make repairs? Once an area is open to repopulate, it is for residents only with proof of residency for the first 24 hrs. After the 24-hour mark, the area is open to anyone as would be a normal day.
- Can friends or family go with me to my property? For the first 24 hours, it is only for residents. Friends or family can go with you in the same vehicle, multiple vehicles are not allowed. Only one vehicle per proof of residency.
- I need to check on my pets and or water my plants on my property. To water your plants or maintain property you will have to wait until your area has been cleared for repopulation. To check on pets you will need to contact LA Animal Control Services to request an animal check and or collect the animals. 213-270-8155
- Can I get an escort into my home to secure personal property (valuables) or safes? We have been given explicit directions from the Unified Command Post to restrict escorts into the evacuation area as there are still emergency / utility personnel still actively working. If you have contracted with a security company in the Palisades, I recommend reaching out to them to check and or secure whatever valuable property possibly still remaining or need to be secured.
- I have seen neighbors posting pictures or messaging that they are back into their homes or neighborhood that is in the mandatory evacuation zones. I know there have been people getting into the area using many channels (press, private security, hitching a ride with utility Co). There are so many different entry points into the Palisades it is difficult to manage or catch every single person sneaking in. We are doing our best to monitor the area.
- Is the area safe to move back into or sift through the rubble? Once an area has been repopulated that means it was inspected by utilities and deemed safe to enter. There are still potential hazards throughout the Palisades, so you need to be very mindful of your surroundings. This includes wearing a mask for possible particulates in the area.
I am hearing that some people are getting conflicting information of when they are allowed to repopulate into the area. Please only check the Cal Fire Genasys website for the exact zones and visible map of the area. I will also send out an email with neighborhood information and do my best to translate the fire maps.
Visit protect.genasys.com
Thank you all for your continued patience and support.
Emergency: 911
Non-Emergency : 877-275-5273 (877-ask-lapd)
Brian Espin #37430
Senior Lead Officer (Pacific Palisades)
Los Angeles Police Department | West Los Angeles Area
310-444-0737 | [email protected]
Highlands Palisades Will Begin Re-entry by Police Escort Today
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Source: CTN (Sue Pascoe)
Residents of the Palisades Highlands, where the Palisades Fire started will be the first back in the Palisades. They will be allowed an escort to retrieve necessary items from their homes. About 20 percent of the residences in the Highlands have burned and others were impacted.
Senior Lead Officer Brian Espin wrote that as of January 19 at 1 p.m., the Palisades Highlands will change from an Evacuation Zone to a Resident-Only Evacuation Zone.
The Los Angeles Police Department and California Highway Patrol will be conducting vehicle escorts between noon and 5 p.m. today, January 19 and will resume on January 20 at 10 a.m.
This will ONLY be open to residents and business owners within Evacuation Zone Q0767-J. Prior to arrival, please ensure your address is located in this zone. You must bring a valid proof of residence (driver’s license, utility bill, registration, etc.). If you arrive at the location and do not reside in the zone, you will be turned away.
You must bring a valid proof of residence (driver’s license, utility bill, registration, etc.). If you arrive at the location and do not reside in the zone, you will be turned away.
Once you are approved, officers will escort you in your own vehicle back to your residence.
The staging area for an escort is 1150 Pacific Coast Highway, Parking Lot 3 North.
Please keep in mind the following:
A police escort is required to enter and exit this zone due to ongoing hazards in the surrounding locations. Escorts will only be conducted during the daylight hours and there will be no escorts after 5 p.m.
The intent is to allow residents access to their property and retrieve necessary items. Some residences will be without gas and/or electricity. The Unified Command is currently working to restore power to these homes.
Scams and Scammers
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In the aftermath of natural disasters, it’s unfortunate that scammers often exploit the situation to take advantage of vulnerable individuals. To help you stay vigilant, here are some common scams to watch out for:
1. Impersonation Scams
Fake Government Officials: Scammers may pose as FEMA or other government representatives, offering to expedite assistance for a fee or requesting personal information. Remember, official agencies do not charge for their services or ask for sensitive information over the phone or via email.
Unlicensed Contractors: Fraudulent contractors may offer quick repairs at low prices, demand upfront payments, and then disappear without completing the work. Always verify licenses and check references before hiring private local authorities before allowing access.
2. Contractor and Repair Scams
Unlicensed Contractors: Fraudulent contractors may offer quick repairs at low prices, demand upfront payments, and then disappear without completing the work. Always verify licenses and check references before hiring.
Price Gouging: Some may inflate prices for essential services or supplies post-disaster. Be wary of unusually high prices and report such instances to local consumer protection agencies.
3. Charity Scams
Fake Charitable Organizations: Scammers may solicit donations for disaster relief efforts through fake charities. Before donating, research the charity through platforms like Charity Navigator or GuideStar to ensure legitimacy.
4. Phishing Scams
Fraudulent Communications: Be cautious of emails, texts, or social media messages claiming to provide disaster-related information or assistance, as they may contain malicious links or request personal information. Avoid clicking on unknown links and verify the source before responding.
5. Rental Scams
Fake Rental Listings: Scammers may advertise nonexistent rental properties to those displaced by the disaster, collecting deposits or rent payments for properties they don’t own. Always verify the legitimacy of rental offers and avoid making payments before confirming availability.
Protective Measures
- Verify Identities: Always ask for identification and verify the credentials of anyone offering assistance or services.
- Avoid Upfront Payments: Do not make large upfront payments for services. Legitimate contractors typically require a reasonable deposit with the balance due upon completion.
- Use Official Channels: Seek information and assistance through official government websites or known reputable organizations.
- Report Suspicious Activity: If you encounter potential scams, report them to local law enforcement or the FEMA Disaster Fraud Hotline at 1-866-720-5721.
Staying informed and cautious can help protect you from scams during this challenging time. Always take the time to verify information and consult trusted sources before making decisions.
Protecting Against Residential Price Gouging During the Los Angeles Wildfires
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As devastating wildfires displace thousands in Los Angeles County, Governor Newsom has declared a state of emergency. In the wake of this crisis, California’s price-gouging laws impose strict limits on rental price increases to prevent the exploitation of displaced individuals.
Key Protections for Renters
Under California Penal Code section 396:
- Rent Increase Cap. Residential landlords may not raise rents by more than 10% unless the increase reflects verified additional costs or pre-existing contracts.
- New Rentals. Properties not rented or advertised before the emergency cannot exceed 160% of the U.S. Department of Housing and Urban Development’s (HUD) fair market rental determination (FMR). In some localities (e.g., Beverly Hills), rental rates included in the schedule may be less than fair market value prior to the emergency declaration, as the rates are based on regional market valuations.
- Evictions & Relisting. It is illegal to evict tenants and relist properties at a higher rate than the previous rental price.
These Section 396 protections last 30 days following the emergency declaration and may be extended.
What Landlords Should Know
- Compliance Is Critical. Violating price-gouging laws can result in significant penalties, such as:
- Criminal Penalties: Up to one year in jail and $10,000 in fines.
- Civil Penalties: Additional fines under California’s Business and Professions Code and the Los Angeles County Code.
- Scrutiny Is High. State and local authorities are actively investigating violations, and penalties can apply to each separate act of non-compliance.
What To Keep in Mind
- Audit Your Pricing. Ensure any rental increases during the emergency align with the law.
- Document Costs. Keep detailed records of any price increases justified by added expenses or repairs.
- Stay Informed. Follow updates from the California Attorney General’s Office and other state agencies.
Why It Matters
Price gouging not only violates the law but undermines community trust during a critical time. Landlords play a pivotal role in helping Los Angeles recover by providing fair and compliant housing solutions to those in need.
PLEASE CONSULT AN ATTORNEY BEFORE OFFERING A LEASE OR SIGNING ONE.
When Can I Come Back to Look Through the Rubble?
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Although we don’t know exactly when this will be for this particular fire, we can tell you that during the Woolsey fire, it was approximately three weeks to a month before people were able to go back to their homes. Stay in contact with local authorities and community members to find out when that will be.
What Happens to the rubble?
The State of California has a Consolidated Debris Removal program. We will include simplified information directly from the California Emergency Services Website but you can find more information here: https://news.caloes.ca.gov/returning-home-after-a-fire/
The Consolidated Debris Removal Program has two phases.
Phase 1: Local government, state and federal agencies will inspect your property to remove hazardous materials (batteries, herbicide, propane tanks, paints, etc.) Phase one is automatic and includes both residential and commercial properties destroyed by the fire.
Phase 2: FEMA and local officials coordinate with the Consolidated Debris Removal Program to conduct fire-related debris removal property if you have elected to participate in the program by completing and signing a Right of Entry Form.
What do I need to do?
Phase I (household hazardous waste): You do not need to do anything to have household hazardous waste removed from your property.
Phase II (remaining fire-related debris): To sign up for the Phase II Program, you will complete a Right-of-Entry (ROE) form to grant government contractors access to your property to conduct the debris removal. Please provide insurance information with the ROE Form as applicable.
After I turn in an ROE to my local government, what happens next?
First, the ROE Center reviews your ROE to ensure it has been filled out correctly. They will also cross-check property records to verify you are the property owner. Afterward, the ROE will be transferred to the Debris Management Teams for processing and scheduling.
How Can I Prepare Myself to Search Through the Rubble?
When we went to look at our property, it was recommended to us to buy workman’s gloves, painter’s pants, tops, and overalls, rated respiratory masks, and goggles as this helped protect skin and eyes from toxic material. In addition, the soot and dirt from the rubble easily rubs onto your skin.
Tools you will want to consider using are rakes and shovels as well as strong construction-rated clamps and tongs to move the debris. You can also bring a metal detector to search for valuable items.
We also recommend bringing bottled water jugs to clean off anything you find before putting it in boxes, tarps and bins to take away and organize what you find.
How Do I Replace My Vehicle if it’s Gone?
First, try to get photo evidence of your vehicle to make an insurance claim.
Ways to Donate to HELP Recent Fire Victims
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In moments like this, our community’s strength and resilience shine brighter than the flames. Let’s support each other through donations, helping those displaced, or simply offering a kind word. Together, we can begin to heal and rebuild. Stay safe, stay strong, and know that you are not alone. We want to inform you of several organizations actively providing relief and assistance to the fire victims.
If you or anyone you know wishes to contribute or seek support, these organizations are valuable resources.
PLEASE only donate money to TRUSTED charitable organizations. Sadly, many bad actors will be out there trying to take advantage. Go through a reputable or verifiable source to give.
Here are some:
- The Salvation Army Phone: 1-800-728-7825
- Los Angeles Fire Department Foundation Phone: 310-552-4139
- California Community Foundation’s Wildfire Relief Fund Phone: 213-413-4130
- United Way of Greater Los Angeles Phone: 213-808-6220
- Operation USA Phone: 1-800-678-7255
- American Red Cross Phone: 1-800-733-2767
Tax Relief in Response to LA County Fires
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In response to the unprecedented and devastating fires impacting our community, federal, state, and local tax agencies have announced tax relief including postponing various tax filing and payment deadlines for Los Angeles County.
IRS Announces Federal Tax Relief – Deadline Extension
Individuals and businesses whose permanent address of record is anywhere in Los Angeles County, regardless of whether the individual or business was directly impacted by recent wildfires, will qualify for IRS deadline extension relief and automatically receive extra time from the IRS to file returns and pay taxes. Taxpayers will not be penalized nor will interest accrue on tax payments during this time. Taxpayers do not need to call or write to receive disaster tax relief from the IRS.
Taxpayers will now have until October 15, 2025 to file their tax returns. January 15th, April 15th, June 16th, and September 15th quarterly income tax payment deadlines have also been extended to October 15, 2024.
For businesses – annual tax returns and payments have also been extended until October 15, 2025. Furthermore, quarterly payroll and excise tax returns normally due on January 31st, April 30th, and July 31st have been extended to October 15, 2025, as well. Businesses will not be penalized nor will interest accrue on tax payments during this time.
For additional information:
https://www.irs.gov/newsroom/irs-california-wildfire-victims-qualify-for-tax-relief-various-deadlines-postponed-to-oct-15
Additional Information Provided by the IRS can be found at the following:
IRS’s Disaster Assistance Page provides updates and links to resources:
https://www.irs.gov/businesses/small-businesses-self-employed/disaster-assistance-and-emergency-relief-for-individuals-and-businesses
IRS Toll-Free Disaster Assistance Hotline at 866-562-5227
Franchise Tax Board Announces State Tax Relief
The California Franchise Tax Board has extended the deadline to file California tax returns and to pay any tax payments for individuals and businesses anywhere in Los Angeles County to October 15, 2025. Taxpayers do not need to call or write to receive disaster tax relief from the California Franchise Tax Board. For Additional Information – https://www.gov.ca.gov/2025/01/11/california-provides-tax-relief-for-those-affected-by-los-angeles-wildfires/
Los Angeles County Property Assessor Announces Property Tax Relief
The Los Angeles County Assessor’s Office has announced property tax relief for those in Los Angeles County whose property has been damaged or destroyed due to the ongoing wildfires.
If your property has been damaged or destroyed or its value is in any other way less than it was on January 1, you may file an application for a Decline-in-Value-Review. The filing period is from July 2 through November 30.
If your property has been damaged or destroyed by the fire, and the loss exceeds $10,000 in value, you may qualify for reassessment.
For more information, including how to apply:
How Do I Replace My Records and Legal Documents?
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(ie… SSN, Birth Certificate, Marriage Certificate, Passport, Etc.)
UPDATE: Contact the FEMA recovery hotline here at 800-621-3362 or go to https://www.disasterassistance.gov/. You can also use the FEMA app here: https://www.fema.gov/about/news-multimedia/mobile-products. And a temporary FEMA site is located at UCLA Research Park 10850 W Pico Blvd if you wish to talk with someone in person.
Typically, FEMA will establish a service center to help with much of this. President Biden declared a Major Disaster Declaration so we will keep you updated with where the stations will be set up.
When the center is established, your local representative will check off a list of all the documents you need replaced. We received our documents within a month after filing.
In the meantime, the DMV and the California Department of Public Health are available to help you with record replacement. Find out more here: https://wildfirerecovery.caloes.ca.gov/general-info/record-replacement/?cat=81
Establish an Address for Documents:
In order to replace your documents it’s important you have an address for the state/government to send your files. If you do not have a stable address yet we recommend setting up a P.O. box as quickly as possible as inventory runs low quickly.
Importance of a FEMA Number:
With a FEMA number, you have access to many benefits and we highly suggest you take advantage of them as we did. Some of your benefits may include: Housing Assistance, Childcare, Healthcare, Transportation, Displacement funds.
Find out more of what FEMA covers here: https://www.fema.gov/assistance/individual
We also found that you can use your FEMA number at many local stores to receive discounts.
Things to Cancel After the Palisades Fire
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Utilities
- Electricity if your home is significantly damaged and power is not restored quickly.
- Water service if plumbing is damaged and water access is unavailable.
- Gas service if gas lines are compromised.
Subscriptions
- Streaming services if you cannot access your devices or the internet.
- Home security monitoring if your home is not currently habitable.
- Newspaper or magazine deliveries if you are temporarily displaced.
- Gym memberships if access is unavailable due to damage.
Financial Services
- Automatic payments for bills that are currently inaccessible due to damage.
- Credit card payments if you are unable to access your accounts.
- Recurring investments that you need to pause due to financial instability.
Other Services
- Phone plans if your phone is damaged or you have limited access to service.
- Lawn care services if your yard is significantly impacted.
- Cleaning services if your home is currently uninhabitable.
- Pest control services if you are not living in your house.
Important Considerations
Contact the company:
Always notify the company directly to cancel services, and ask about any potential fees or temporary suspension options.
Check your insurance:
Review your insurance policy to understand what services may be covered if you need to cancel due to disaster damage.
Monitor your accounts:
Keep an eye on your accounts to ensure no unauthorized charges occur while you are dealing with the aftermath of the disaster.