How common is underinsurance after the Eaton Fire?

Very common. In a March 2026 United Policyholders survey, 69% of total-loss respondents from the 2025 LA fires said they lack enough coverage to rebuild. The Eaton average gap was $484,407. [3rd-party] [1]

Can I combine my dwelling and other-structures limits in California?

In some cases, yes. California law lets total-loss policyholders in a declared emergency combine these limits when the dwelling limit isn’t enough. [2]

How long do I have to collect replacement cost?

At least 36 months from the first actual-cash-value payment, with 6-month extensions for good cause. [2]

Do I pay permit fees to rebuild in Altadena?

Eligible owner-occupants in unincorporated Altadena get LA County fees deferred. Pasadena waives or refunds fees for eligible red-tagged homes. [3] [4]

Who can help with an insurance dispute for free?

The California Department of Insurance, at 1-800-927-4357. [5]

How common is underinsurance after the Eaton Fire?

Very common. In a March 2026 United Policyholders survey, 69% of total-loss respondents from the 2025 LA fires said they lack enough coverage to rebuild. The Eaton average gap was $484,407.

Can I combine my dwelling and other-structures limits in California?

In some cases, yes. California law lets total-loss policyholders in a declared emergency combine these limits when the dwelling limit isn't enough.

How long do I have to collect replacement cost?

At least 36 months from the first actual-cash-value payment, with 6-month extensions for good cause.

Do I pay permit fees to rebuild in Altadena?

Eligible owner-occupants in unincorporated Altadena get LA County fees deferred. Pasadena waives or refunds fees for eligible red-tagged homes.

Who can help with an insurance dispute for free?

The California Department of Insurance, at 1-800-927-4357.

Underinsured After the Eaton Fire? 7 Ways to Close the Gap

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