Eaton Fire Claims | Public Adjuster for Fire Victims
Expert public adjusters helping Altadena, Pasadena, and Sierra Madre fire victims get maximum insurance settlements
Get Free ConsultationEaton Fire - What Happened
The Eaton Fire erupted on January 7, 2025, in Eaton Canyon near Altadena. Driven by powerful Santa Ana winds, the fire swept through the historic community of Altadena and into parts of Pasadena. The fire became the deadliest of the January 2025 fires and the 5th deadliest wildfire in California history, claiming 18 lives and destroying thousands of homes in its path.
Areas Affected by the Eaton Fire
If your property was damaged in any of these areas, you may be entitled to significant insurance compensation:
Why Eaton Fire Victims Need a Public Adjuster
The Eaton Fire devastated the historic community of Altadena, destroying irreplaceable homes with decades of family memories and possessions. The fire burned through diverse neighborhoods, from modest bungalows to larger estates. Insurance companies face massive exposure and are scrutinizing every claim. Without professional advocacy, many fire victims will receive inadequate settlements that don't cover true replacement costs or the full extent of their losses.
- Massive Scale: Insurance companies are overwhelmed with claims - having professional representation ensures your claim doesn't get lost
- Total Loss Complexity: Complete property destruction requires meticulous documentation of every item you owned
- Smoke & Ash Damage: Even properties not directly burned may have significant smoke, soot, and ash contamination
- Evacuation Expenses: You're entitled to Additional Living Expenses (ALE) for hotels, food, and other costs during evacuation
- Lowball Offers: Insurance companies often make quick, low initial offers hoping fire victims will accept out of desperation
- Code Upgrades: Rebuilding must meet current codes - your settlement should cover these mandatory upgrades
What We Cover for Eaton Fire Claims
Our Eaton Fire Claims Process
Emergency Response
We respond quickly to assess your fire damage, even if your property is still in an evacuation zone.
Comprehensive Documentation
Detailed assessment of all fire, smoke, soot, ash, and water damage. Complete contents inventory from memory and records.
Claim Preparation
Complete documentation package including damage reports, replacement cost estimates, and ALE calculations.
Insurance Negotiation
We negotiate directly with your insurance company to maximize your settlement - not accept their first lowball offer.
Settlement
You receive the full compensation you deserve to rebuild your life and restore your property.
Related Services
Wildfire damage often involves multiple types of damage. We also help with:
Eaton Fire Claims FAQs
How do I start my Eaton Fire insurance claim?
Contact your insurance company to report the loss, but before providing detailed statements or accepting any offers, consult with a public adjuster. We can guide you through the process from day one or step in at any point to protect your interests.
My Altadena home was completely destroyed in the Eaton Fire. What now?
Total loss claims require extensive documentation: full contents inventory, dwelling replacement cost calculations, code upgrade requirements, and Additional Living Expenses. We handle this entire process, working from your memories, photos, and records to document everything you lost.
Does insurance cover rebuilding my Altadena home to current codes?
Most policies include some Ordinance or Law coverage for code upgrades, but limits vary. California building codes have changed significantly, and rebuilding may require expensive upgrades. We ensure your settlement includes all required code compliance costs.
What if my Pasadena property has smoke damage but didn't burn?
Smoke contamination from the Eaton Fire affected properties miles from the fire line. Ash, soot, and smoke odor can require extensive remediation including HVAC cleaning, surface treatment, and even replacement of soft goods. We document all smoke damage for proper compensation.
Can I get help with temporary housing costs after the Eaton Fire?
Absolutely. Your policy's Additional Living Expenses (ALE) coverage pays for temporary housing, meals, storage, and other costs while displaced. Many Eaton Fire victims underestimate their ALE entitlement. We ensure you claim every eligible expense.
The insurance company is offering to settle my Eaton Fire claim. Should I accept?
Be very cautious about early settlement offers. Insurance companies often make quick offers hoping desperate fire victims will accept. These initial offers are typically far below actual replacement costs. Let us review any offer before you sign anything.
My Eaton Fire claim was denied. Can you help?
Yes! We specialize in overturning denied claims. Denials often result from documentation issues, coverage disputes, or alleged policy violations. We review your denial, gather supporting evidence, and aggressively appeal to reverse the decision.
How much does a public adjuster charge for Eaton Fire claims?
Our fee is contingency-based, typically 10-15% of your final settlement. You pay nothing upfront and nothing unless we increase your settlement. The increase we negotiate almost always far exceeds our fee, putting more money in your pocket.
What about historic homes destroyed in the Eaton Fire?
Altadena had many historic craftsman and period homes. These require specialized replacement cost calculations accounting for period-appropriate materials, custom millwork, and historic restoration techniques. We work with specialists to ensure proper valuation.
How long will my Eaton Fire claim take to settle?
Timeline varies based on claim complexity. Simple claims may settle in 60-90 days; complex total loss claims can take 6-12 months or longer. Having a public adjuster often expedites the process through proper documentation and strategic negotiation.
Get Expert Help with Your Eaton Fire Claim
Free consultation. No recovery, no fee. Available 24/7 for Eaton Fire victims.