Active response · Updated 2026-09-02
2026 Willow Fire
Insurance claims, in plain language
The mechanics that decide what gets paid — for this specific disaster.
- RCV policies pay actual cash value first, then recoverable depreciation as the rebuild completes.
- Smoke and ember damage claims are real claims — document interiors before cleaning.
Common questions
- 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.