Steps to rebuilding
2025 Los Angeles Fires

See the major steps to take when rebuilding your home.

File insurance claims

If you have insurance, file a claim now.

Make sure you document and track all recovery expenses.
Your insurance may also cover at least 4 months of rent for temporary housing.
If you need help with insurance claims,
- See help from the Department of Insurance, or
- Call 1-800-927-4357 or TTY: 711.

You may be eligible for financial support to help you rebuild.

The deadline has passed to apply for FEMA disaster assistance (March 31, 2025).
The deadline has also passed to apply for a disaster loan from the Small Business Administration (March 31, 2025).
Contact your mortgage lender for mortgage relief. See this list of participating lenders.

Opt in to free debris removal from the government by April 15, 2025.
If you don’t opt in, you’ll need to pay for debris removal from a private contractor.
Learn more about debris removal.

You can submit your plans and apply for building permits now. You don’t need to wait until debris removal is complete.
You can also apply for permits in person at One-Stop Permit Centers. Make an appointment.
You can apply to put temporary housing on your property.
- A permit will only be issued after Phase 2 debris clearing of your property.
Learn more about permits, including about:
- Like-for-like rebuilds
- Temporary housing
- Zoning maps
- Fees

Your contractor can guide you through the construction process.