Active response · Updated 2026-09-02
2026 Big Sheep Fire
Insurance claims, in plain language
The mechanics that decide what gets paid — for this specific disaster.
- Most policies here are RCV: actual cash value first, recoverable depreciation released as work completes — claim both checks.
- ALE covers displacement costs while the home is unlivable. Keep receipts from day one.
- Mountain rebuilds surface supplements — driveway access, well/septic, and hazard trees get scoped as the site opens up.
Common questions
- Can we rebuild bigger than the house we lost?
- Yes — the insurance scope covers like-for-like, and you can add square footage under a modified-plan permit. You pay the difference, priced before you commit.
- Does the insurance company pick my contractor?
- No. You choose your contractor. Carriers may suggest program vendors, but the choice is yours by law.
Also useful: United Policyholders — disaster recovery help.