After the fire: Part I

Owners who suffered damage to their homes in this week's wildfires must now begin the daunting insurance claim and rebuilding process. Among immediate tasks will be fending off looters by boarding up and fencing the property, contacting their insurers and finding new places to live after leaving emergency shelters. Then they will begin the long process of working with claims adjusters and contractors.

Be wary of contractors who show up and offer to do repairs on the spot for a large cash deposit. Under state law, the down payment cannot exceed $1,000 or 10% of the price, whichever is less.

Always get a written contract that details the work and ask to see the contractor's state license and other identification. Get a minimum of three bids and check contractor references.

Some resources for homeowners:

California Contractors State License Board, (800) 321-2752, www.cslb.ca.gov

California Department of Insurance, (800) 927-4357, www.insurance.ca.gov

Insurance Information Network of California, www.iinc.org

-- Lauren Beale

Thoughts? Comments?

Photo: The Sesnon fire in Porter Ranch started Monday morning on Oak Mountain and had scorched more than 5,000 acres by nightfall. Credit: Mel Melcon / Los Angeles Times

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[Lila]

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