After wildfire - now what

After a Wildfire

Safety checks, first steps, and recovery resources

When you are allowed to return after a wildfire, take things slowly and put safety first. This page walks you through what to look for, what to do next, and where to get help.

Start here:

- Confirm officials say it is safe to return
- Watch for hidden embers or hot spots
- Take photos and save receipts
- Keep notes about every call and visit

Returning Home Safely

Before going back inside, check that local officials have cleared the area. Then walk around your property carefully.

  • Smoldering spots, smoke, or burning vegetation
  • Sparks or embers on the roof or near vents
  • Attics and crawl spaces for hidden fire
  • Damage to walls, decks, or foundations
  • Downed power lines or broken gas lines
  • Leave appliances off until systems are checked
  • Turn on the main breaker only if it looks safe
  • Test wells and pump systems before using water
  • If you see danger, leave right away and call emergency services.

First Steps After a Wildfire - Insurance and Personal Matters

If your home was damaged or destroyed, these actions can help you stay organized and protect your insurance claim.

  • Take care of health, medications, and basic needs
  • Find temporary housing and ask your insurer for help
  • Start a recovery notebook or digital log
  • Write down names, phone numbers, dates, and notes
  • Ask about cash advances for living costs
  • Save every receipt (lodging, food, clothes, pet care)
  • Take photos before cleaning or removing debris
  • Do not rush into contracts
  • Keep copies of all paperwork
  • Consider a second opinion before accepting quick settlements
  • Make a list of damaged or destroyed items
  • Register with FEMA and SBA even if you think you may not qualify

Helpful Recovery Resources

  • CAL FIRE – After a Wildfire & Recovery Information: https://www.fire.ca.gov
  • United Policyholders – Insurance and disaster help: https://uphelp.org/contents
  • Wildfire claims guidance (United Policyholders): https://uphelp.org/2024NMWildfires
  • Fannie Mae disaster help for homeowners: https://www.fanniemae.com/disaster-help-homeowners
  • Fannie Mae Disaster Response Network: https://www.fanniemae.com/about-us/disaster-response-network | Phone: 877-833-1746

Tip: Keep one folder—paper or digital—for photos, receipts, claim letters, and notes. Staying organized now saves time later.