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保险 · 灾害应对
火灾来得很快，留给屋主的时间往往只有几十分钟。提前知道该做什么，能让之后的理赔顺利很多。
核心要点
- 收到撤离通知后，第一时间带上身份证件、护照等重要证件。
- 来不及带走的贵重物品，用手机拍照或录像，作为曾经拥有的证据。
- 撤离期间的住宿、餐饮以及因此增加的交通等开销，收据全部保留。
- 保费调整需经加州保险监管部门批准，不会因为一场火立刻上涨；正在过户的房子，保险公司通常只是暂停新承保，火情控制后会恢复。
1撤离时：证件和证据
- 证件：身份证件、护照、房产和保险文件，放在一个随时能拿走的地方。
- 拍照：首饰、手表、包、名贵家具、电子产品，逐个拍照或环绕录像，标注大概购买时间和价格。即使最后带不走，保险公司也可以据此评估。
2撤离期间：保留所有收据
大多数房屋保单包含“额外居住费用”（Additional Living Expenses），当房子无法居住时，赔付合理范围内额外增加的生活开支。酒店、餐饮收据要保留；如果因为住得远而多开车、接送孩子路线变长，相关支出也记录下来。
原则是：你认为保险公司应该赔的，都先留证据，最后理赔时用得到。
所有你认为保险公司应该赔的，都先把证据留下来。
3火灭之前：准备灾后重建
在等待的时间里，可以先联系几家有经验的灾后清理和重建公司询价，了解排期。大火之后这类公司需求会非常集中，越早沟通越主动。
4保费和过户中的房子会怎样
加州的房屋保险费率调整需要经过加州保险监管部门审批，不会因为一场火马上涨价，最快也要到下次续保时才可能体现。
理赔之后保费可能上升，但理赔拿到的钱通常远高于多出来的保费。正在过户（escrow）中的买家，如果附近有火情，保险公司可能暂停在该区域出新保单，火情控制后一般会恢复，过户时间宽裕的话不必过度担心，但要和经纪人、贷款方保持沟通。
5保险不只看价格
同样看起来差不多的保单，价格可能差很多。报价单只是一张纸，真正决定理赔结果的是保单条款和保额。建议请专业经纪人帮你梳理保额、免赔额和附加条款，按自己的风险做规划。
常见问题
Q：撤离时最该带什么？
身份证件、护照、房产与保险文件、常用药品和手机充电器。来不及带的贵重物品先拍照留证。
Q：住酒店的钱能报吗？
多数房屋保单有额外居住费用条款，在合理范围内可以理赔，请保留所有收据并和保险公司确认额度。
Q：正在买房过户，附近着火了怎么办？
保险公司可能临时暂停新承保，通常火情控制后恢复。请及时和经纪人、贷款方、保险经纪人沟通，必要时协商延长过户时间。
关于作者
Fei Li 李斐，FEI LI ESTATES 创始人，加州持牌房地产经纪人（DRE #02075610）。团队立足南加州橙县（Orange County），服务尔湾（Irvine）、新港滩（Newport Beach）、达纳角（Dana Point）、圣胡安卡皮斯特拉诺（San Juan Capistrano）及周边地区，自 2016 年起持续制作中英双语房产视频。
电话：(949) 353-9999 · 微信：feiliestates
本文仅供一般信息参考，不构成法律、税务、贷款或投资建议。市场数据与政策以发布时为准，可能已有变化；具体情况请咨询持牌专业人士并自行核实。
LA Wildfires and Homeowners Insurance: Six Things to Do During Evacuation and Claims
Please note: This video was published on January 9, 2025. It is more than a year old. Market data, prices, rates, and policies reflect that date and may have changed. Contact us for the latest information.
Insurance · Disaster Preparedness
Wildfires move fast, and homeowners may have only minutes to leave. Knowing what to do in advance makes the claim process much smoother.
Key Takeaways
- When an evacuation order arrives, grab IDs, passports, and key documents first.
- Photograph or video valuables you cannot take, as proof of ownership.
- Keep every receipt for lodging, meals, and extra transportation during evacuation.
- Rate changes in California require regulator approval, so premiums do not jump overnight after a fire. For homes in escrow, insurers typically pause new policies near an active fire and resume afterward.
1During Evacuation: Documents and Evidence
- Documents: IDs, passports, property and insurance papers, kept where you can grab them quickly.
- Photos: jewelry, watches, handbags, fine furniture, and electronics. Photograph each item or walk through with video, noting rough purchase dates and prices. Even if you cannot take them, insurers can use this to evaluate a claim.
2While Displaced: Keep Every Receipt
Most homeowners policies include Additional Living Expenses, covering reasonable extra living costs when the home is unlivable. Keep hotel and meal receipts. If you drive farther or school drop-off gets longer, record those costs too.
The rule of thumb: if you think the insurer should pay for it, keep the evidence. You will need it at claim time.
If you think the insurer should pay for it, keep the evidence.
3Before the Fire Is Out: Prepare to Rebuild
While you wait, contact several experienced restoration and rebuilding companies for quotes and timelines. Demand spikes after a major fire, so earlier conversations help.
4What Happens to Premiums and Homes in Escrow
In California, homeowners insurance rate changes must be approved by the Department of Insurance. Premiums do not rise immediately because of one fire; any change would show up at renewal at the earliest.
Premiums may rise after a claim, but the claim payment is usually far greater than the added premium. For buyers in escrow near an active fire, insurers may temporarily stop writing new policies in the area and usually resume once the fire is contained. Stay in close contact with your agent and lender.
5Insurance Is Not Just About Price
Policies that look similar can differ a lot in price. A quote is just a page; what determines your claim outcome is the policy language and limits. A professional broker can help you plan limits, deductibles, and endorsements around your actual risk.
FAQ
Q：What should I take when evacuating?
IDs, passports, property and insurance documents, essential medications, and phone chargers. Photograph valuables you cannot take.
Q：Will my hotel costs be reimbursed?
Most homeowners policies cover reasonable additional living expenses. Keep all receipts and confirm limits with your insurer.
Q：I am in escrow and there is a fire nearby. What now?
Insurers may pause new policies temporarily. Talk with your agent, lender, and insurance broker, and negotiate a closing extension if needed.
About the Author
Fei Li is the founder of FEI LI ESTATES and a California licensed real estate agent (DRE #02075610). Based in Orange County, Southern California, the team serves Irvine, Newport Beach, Dana Point, San Juan Capistrano, and surrounding areas. Fei has produced bilingual English/Chinese real estate videos since 2016.
Phone: (949) 353-9999 · WeChat: feiliestates
This article is for general information only and is not legal, tax, lending, or investment advice. Market data and policies reflect the time of publication and may have changed; please consult licensed professionals and verify independently.