Resources
A Wealth of Invaluable Resources
The VRFSC works tirelessly to safeguard people and protect the property of individuals and families living in Ventura County. To this end, we provide the latest resources and tools to learn about wildfires—and to better prepare for the next area wildfire event.
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Emergency Preparation
Insurance Claim & Recovery Help
FEMA Assistance is Available for Individuals Affected by the Wildfires in California
As multiple, devastating fires continue to threaten Southern California, FEMA and federal partners are leaning in to support the state-led response. FEMA Administrator Deanne Criswell will be on the ground today to assess damage, speak to survivors and meet with community officials.
On Wednesday, President Biden approved a Major Disaster Declaration to supplement recovery efforts. Los Angeles County residents who have disaster-related needs due to the fires may be eligible for financial assistance. Damage assessments are continuing in other areas, and more counties and additional forms of assistance may be designated after the assessments are completed.
FEMA disaster assistance is intended to meet the basic needs of your household for uninsured or underinsured necessary expenses and serious needs in order to jumpstart your recovery. If you have insurance and are applying for FEMA disaster assistance, you must file a claim with your insurance company first. By law, FEMA cannot duplicate benefits for losses covered by insurance. If insurance does not cover all your damage, you may be eligible for federal assistance.
FEMA Assistance Can Help Jumpstart Recovery
Individuals and families in the designated areas may be eligible to receive money for essential items like food, water, baby formula, breast feeding supplies, medication and other emergency supplies.
Eligible survivors may also receive money to help with housing needs if they cannot return to their home because of the fires. The money can be used to stay in a hotel, with family and friends or other options while they find a more permanent housing solution.
In addition, eligible survivors may receive money for rental assistance, basic home repairs for their primary home, personal property losses and other eligible expenses related to the wildfires.
To learn more about the types of assistance available, visit: fema.gov/assistance/
How to Apply for FEMA Assistance
After making a claim with their insurance provider, the first step residents can take to jumpstart their recovery is to apply for FEMA assistance. There are three ways to apply:
- Online at DisasterAssistance.gov. If you have access to the internet and your electronic devices have power, applying online is the easiest, fastest and most convenient way to apply.
- On the FEMA App for mobile devices.
- Calling the FEMA Helpline at 1-800-621-3362. Calls are accepted every day from 4 a.m. to 10 p.m. Pacific Standard Time. Help is available in most languages. If you use a relay service, such as video relay (VRS), captioned telephone or other service, give FEMA the number for that service. To view an accessible video about how to apply visit: FEMA Accessible: Registering for Individual Assistance - YouTube.
Contact FEMA
If you have any questions, please contact FEMA Office of External Affairs:
- Congressional Affairs at (202) 646-4500 or at FEMA-Congressional-Affairs@
fema.dhs.gov - Intergovernmental Affairs at (202) 646-3444 or at [email protected]
- Tribal Affairs at (202) 646-3444 or at [email protected]
- Private Sector Engagement at (202) 646-3444 or at FEMA-private-sector@fema.
dhs.gov
CA Department of Insurance
Wildfire Recovery and Readiness
Mandatory One Year Moratorium on Non-Renewals
Insurance Commissioner Ricardo Lara, while serving as state senator, authored Senate Bill 824 (2018). This important consumer protection law requires a mandatory one-year moratorium on insurance companies canceling or non-renewing residential insurance policies in certain areas within or adjacent to a fire perimeter after a declared state of emergency is issued by the Governor.
“Losing your insurance should be the last thing on someone’s mind after surviving a devastating fire,” said Commissioner Lara. “This law gives millions of Californians breathing room and hits the pause button on insurance non-renewals while people recover.”
How the Moratorium Works
Following a Governor declaration of a state of emergency, the Department of Insurance partners with CAL-FIRE and the Governor’s Office of Emergency Services to identify wildfire perimeters and adjacent ZIP codes within the mandatory moratorium areas. The protection from cancellation or non-renewal lasts for one year from the date of the Governor’s emergency declaration.
This one-year protection applies to all residential policyholders within the affected areas who suffer less than a total loss, including those who suffer no loss. Those who suffer a total loss have additional protections under the law.
Find Out if You Are Protected
Commissioner Lara has implemented the new law following wildfires in 2019, 2020, and 2021. If you live near one of these fires, find the fire name in the list below and click the link to open the Commissioner’s Bulletin for a list of included ZIP codes. If you live in one of those ZIP codes, your insurance company cannot issue a cancellation or non-renewal for wildfire risk for one year from the date of the Governor’s emergency declaration associated with the nearby fire. Below is a list of fires for which Bulletins have been issued since the passage of this new law as well as the Pre-Bulletin Notices for the 2021 fires. The Department continues to coordinate with CalFire and CalOES to identify the various fire and fire perimeters that are subject to the one-year moratorium for the 2021 fires.
If your ZIP code is included in the moratorium and you received a notice of cancellation or non-renewal for wildfire risk, you should contact your insurance company to seek a reinstatement of the policy. If your insurance company refuses, you are encouraged to contact us and file a Request for Assistance.
United Policyholders
Keep Your Home Protected When Insurance is Limited and Expensive