The first days after a house fire

Before you go back in

• Wait for the fire department to clear the house. Ask whether the utilities have been shut off, and don't turn them back on yourself; SDG&E restores gas and power after a fire.
• Ask for a copy of the fire report, or how to request it. The insurer will want it.
• Wear sturdy shoes and an N95 mask when you do go in. Soot and ash irritate the lungs.

The insurance call

• Report the loss the same day. Get the claim number and the adjuster's name.
• Ask for a full copy of your policy, including the declarations page. The California Department of Insurance tells wildfire claimants to do the same.
• Ask about additional living expenses (ALE) if you can't stay in the house. After a declared state of emergency, CDI says ALE runs 36 months, with six-month extensions for good cause. Keep every receipt.

Secure the house

Board up broken windows and doors, and tarp any opening in the roof. Your policy expects you to prevent further damage, and the insurer usually pays for it as part of the claim. A restoration company can do it the same visit it assesses the damage.

What not to do

• Don't wipe soot off walls or upholstery with a wet rag. It smears and sets the stain.
• Don't run the HVAC system until the ducts and filters are checked; it spreads soot through the house.
• Don't throw out burned belongings before the adjuster sees them or you have photos and a list.
• Don't sign a contract on the spot with someone who knocked on your door. California gives you a right to cancel a contract signed at home, and a longer window if you are 65 or older (Civil Code 1689.6).

Making the contents list

The contents claim is often the longest part. Go room by room with your phone's video, opening every closet and drawer. Old photos and online order histories help you list what was there and roughly what it cost.

When you are ready for the cleanup itself: Fire damage restoration and smoke and ash cleanup.