{"id":180472,"date":"2025-01-15T12:58:48","date_gmt":"2025-01-15T19:58:48","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=180472"},"modified":"2025-01-15T13:11:47","modified_gmt":"2025-01-15T20:11:47","slug":"la-fires-how-to-handle-a-property-loss","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/la-fires-how-to-handle-a-property-loss","title":{"rendered":"LA Fires: How to Handle a Property Loss"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">It&#8217;s every landlord&#8217;s worst nightmare: a fire <\/span><span data-preserver-spaces=\"true\">leaving<\/span><span data-preserver-spaces=\"true\"> your home in cinders without <\/span><span data-preserver-spaces=\"true\">having the<\/span> <a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/property-insurance-is-changing-here-is-how-2025-will-look\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">insurance<\/span><\/a><span data-preserver-spaces=\"true\"> to cover the loss.<\/span><span data-preserver-spaces=\"true\"> That&#8217;s the issue facing many homeowners and landlords whose properties were devastated by the LA wildfires.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Insurers Were Fleeing Before the Fires Hit<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Although the fires are making headlines for decimating celebrity homes, they have also destroyed apartment buildings, Airbnbs, hotels, and trailer parks. Estimates of the<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.accuweather.com\/en\/blogs-webinars\/california-wildfires-52-57b-damage-estimate-accuweather-report\/1731718\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> economic damage<\/span><\/a><span data-preserver-spaces=\"true\"> from the fires are now reaching $52 billion to $57 billion, and with the fires still raging, that number will only increase. However, insurance companies saw the writing on the wall and started fleeing just months before disaster struck.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">According to<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.cbsnews.com\/news\/fires-california-palisades-fire-homeowners-insurance-state-farm-fair-losses\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> CBS MoneyWatch<\/span><\/a><span data-preserver-spaces=\"true\">, State Farm dropped 1,600 policies in Pacific Palisades in July, California Department of Insurance spokesman Michael Soller said in an email. <\/span><span data-preserver-spaces=\"true\">An<\/span> <a class=\"editor-rtfLink\" href=\"https:\/\/www.cbsnews.com\/sanfrancisco\/news\/state-farm-insurance-policies-non-renewal-california-zip-codes\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">analysis<\/span><\/a><span data-preserver-spaces=\"true\"> of insurance data <\/span><span data-preserver-spaces=\"true\">by CBS San Francisco<\/span><span data-preserver-spaces=\"true\"> last year found that State Farm also dropped more than 2,000 policies in two other Los Angeles ZIP codes, which include the Brentwood, Calabasas, Hidden Hills, and Monte Nido neighborhoods.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">State Farm has followed in the footsteps of other private insurers, including<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.cbsnews.com\/news\/allstate-insurance-state-farm-california\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Allstate<\/span><\/a><span data-preserver-spaces=\"true\"> and<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.cbsnews.com\/sanfrancisco\/news\/farmers-insurance-places-limit-on-home-policies-in-california\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Farmers Insurance<\/span><\/a><span data-preserver-spaces=\"true\">, dropping California policies or stopping underwriting. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> has left property owners with two stark choices:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Get coverage through the insurer of last resort, the California Fair Access to Insurance Requirements plan (FAIR plan). The FAIR plan provides basic fire insurance coverage for properties in high-risk areas when traditional insurance companies will not.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Forgo insurance altogether.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What is the FAIR Plan?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For landlords,<\/span> <a class=\"editor-rtfLink\" href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/california-fair-plan\/#california-fair-plan-insurance-explained\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">the FAIR plan<\/span><\/a><span data-preserver-spaces=\"true\"> is essential but costly because of the high risk.<\/span><span data-preserver-spaces=\"true\"> It&#8217;s also a shared market plan, which means it is state-run but financially supported by several private insurance companies.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">However, it&#8217;s <\/span><span data-preserver-spaces=\"true\">fairly<\/span><span data-preserver-spaces=\"true\"> limited compared to a standard private insurance policy. <\/span><span data-preserver-spaces=\"true\">Liability, medical payments, or loss of coverage insurance might not be covered<\/span><span data-preserver-spaces=\"true\">\u2014only dwelling and personal property. For landlords, that&#8217;s a big issue.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Also, FAIR plans usually only cover a home at cash value, not replacement cost value. With increased construction costs, material, and labor shortages (sure to be exacerbated if Trump&#8217;s deportation plan goes into effect), and demand for contractors, especially in LA, cash value coverage is not likely to come close to replacing a property. <\/span><span data-preserver-spaces=\"true\">For many landlords,<\/span><span data-preserver-spaces=\"true\"> this is likely their only insurance, and navigating it to cover damage could be difficult and disappointing.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">There is some good news for landlords who have home insurance: California <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.realtor.com\/news\/real-estate-news\/california-insurance-policy-ban-los-angeles-wildfires\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">has banned insurance policy cancellations until 2026<\/span><\/a><span data-preserver-spaces=\"true\">.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">After the Disaster: Information for Landlords and Tenants<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"editor-rtfLink\" href=\"https:\/\/dcba.lacounty.gov\/after-the-disaster-information-for-landlords-and-tenants\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">The Los Angeles County Consumer &amp; Business Affairs website<\/span><\/a><span data-preserver-spaces=\"true\"> was recently updated<\/span><span data-preserver-spaces=\"true\"> to provide invaluable information, <\/span><span data-preserver-spaces=\"true\">mostly<\/span><span data-preserver-spaces=\"true\"> for tenants, <\/span><span data-preserver-spaces=\"true\">in the wake of<\/span><span data-preserver-spaces=\"true\"> the LA wildfires. This information can also be <\/span><span data-preserver-spaces=\"true\">useful<\/span><span data-preserver-spaces=\"true\"> for landlords when referring tenants or knowing what rights tenants have and what a landlord&#8217;s responsibility is. For further <\/span><span data-preserver-spaces=\"true\">information<\/span><span data-preserver-spaces=\"true\">, landlords should call (800) 593-8222 or email <\/span><a class=\"editor-rtfLink\" href=\"mailto:rent@dcba.lacounty.gov\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">rent@dcba.lacounty.gov<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Far more <\/span><span data-preserver-spaces=\"true\">useful<\/span><span data-preserver-spaces=\"true\"> for landlords is the<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/caanet.org\/l-a-fires-legal-obligations-and-ways-rental-property-owners-can-help\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> California Apartment Association<\/span><\/a><span data-preserver-spaces=\"true\"> (CAA) website, which addresses the legal obligations of rental property owners in the wake of the fires. Topics covered include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Penal Code Section 396, now in effect, limits rent increases to no more than 10% above pre-emergency levels after an emergency is declared. It applies to both existing tenants and new leases, and restricts price increases on essential goods and services.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Opportunities to help fire victims<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Federal assistance for fire victims<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Statewide emergencies and additional protections<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Mortgage relief for landlords<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The bad news for landlords with properties destroyed by fire\u2014as if they needed any more bad news\u2014is that they are still on the hook for the <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-a-mortgage\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">mortgage<\/span><\/a><span data-preserver-spaces=\"true\">. The good news is that their mortgage servicer will have an assistance program to help\u2014usually a 12-month forbearance or loan modification. Calling your mortgage company or its servicer after a natural disaster is crucial.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you don\u2019t know your servicer, try using:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/yourhome.fanniemae.com\/calculators-tools\/loan-lookup?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Fannie Mae<\/span><\/a><span data-preserver-spaces=\"true\"> or <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/myhome.freddiemac.com\/resources\/loanlookup\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Freddie Mac<\/span><\/a><span data-preserver-spaces=\"true\">\u2019s Look-Up tools<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Call Mortgage Electronic Registration Systems (<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.mers-servicerid.org\/sis\/?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">MERS<\/span><\/a><span data-preserver-spaces=\"true\">) at (888) 679-6377<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Other resources for property owners affected by a natural disaster:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.disasterassistance.gov\/?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">DisasterAssistance.gov<\/span><\/a><\/li>\n\n\n\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/yourhome.fanniemae.com\/get-relief\/disaster\/resources?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Fannie Mae disaster resources<\/span><\/a><\/li>\n\n\n\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.fema.gov\/about\/news-multimedia\/mobile-products?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">FEMA app<\/span><\/a><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Bankrate: \u201c<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/what-to-do-after-a-natural-disaster\/?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">6 steps to take after natural disaster<\/span><\/a><span data-preserver-spaces=\"true\">\u201d<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Bankrate: \u201c<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/los-angeles-fires-home-insurance-resources-evacuation\/?mf_ct_campaign=msn-feed&amp;utm_content=syndication\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">How Los Angeles fire victims can access home insurance resources for <\/span><span data-preserver-spaces=\"true\">evacuation<\/span><\/a><span data-preserver-spaces=\"true\">\u201d<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Expect Rents to Boom in the Wake of the Fires<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Real estate is a supply-and-demand business. In an expensive city like LA, with many affluent homeowners now displaced, rents will skyrocket, worsening the affordability crisis for middle and working-class Angelinos.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">&#8220;It&#8217;s immediate,&#8221; Stuart Gabriel, director of UCLA&#8217;s Ziman Center for Real Estate, told the<\/span> <em><a class=\"editor-rtfLink\" href=\"https:\/\/www.latimes.com\/homeless-housing\/story\/2025-01-10\/rents-likely-to-balloon-in-wake-of-l-a-wildfires-experts-say\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">LA Times<\/span><\/a><\/em><span data-preserver-spaces=\"true\"> regarding the effect of mass displacement pushing up housing costs. &#8220;It&#8217;s difficult to quantify. I don&#8217;t think anyone knows what the numbers are.&#8221;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">With approximately<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/calmatters.org\/environment\/wildfires\/2025\/01\/la-fires-photos\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> 12,000<\/span><\/a><span data-preserver-spaces=\"true\"> single-family homes, apartment complexes, businesses, and other structures destroyed in the fires as of Sunday, Jan. 12, and about 150,000 people ordered or warned to evacuate, demand on the <\/span><span data-preserver-spaces=\"true\">other<\/span><span data-preserver-spaces=\"true\"> areas of LA to house people experiencing homelessness will be immense.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Price Gauging Is Rife, Despite the Law<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">It would be nice to think that landlords<\/span><span data-preserver-spaces=\"true\"> would be cognizant of their fellow citizens&#8217; distress and factor that into their pricing, paying close attention to price-gauging laws.<\/span><span data-preserver-spaces=\"true\"> However, the reality is that many of the temporarily displaced are wealthy and will say &#8220;price is no limit,&#8221; particularly for upper-end rentals. Others will likely face landlords who will pay scant attention to the law.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">&#8220;There are price gouging laws in California; they&#8217;re just <\/span><span data-preserver-spaces=\"true\">being ignored<\/span><span data-preserver-spaces=\"true\"> right now, and this isn&#8217;t the time to <\/span><span data-preserver-spaces=\"true\">be taking<\/span><span data-preserver-spaces=\"true\"> advantage of situations,&#8221; <\/span><em><span data-preserver-spaces=\"true\">Selling Sunset<\/span><\/em><span data-preserver-spaces=\"true\"> star Jason Oppenheim told the<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bbc.com\/news\/articles\/cz0l4pkrrm9o\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> BBC<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">California Attorney General Rob Bonta told the BBC he had seen landlords raising prices illegally. &#8220;You cannot do it. It is a crime punishable by up to a year in jail and fines,&#8221; he said. &#8220;This is California law, [and] it&#8217;s in place to protect those suffering from a tragedy.&#8221;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Landlords Do Not Need to Provide Temporary Housing if Their Property Is Destroyed<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Californian landlords have had <\/span><span data-preserver-spaces=\"true\">a lot<\/span><span data-preserver-spaces=\"true\"> to moan about recently in light of laws that seem continually skewed against them. However, there is one law that they will be thankful for. According to<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/thewildfirelawyers.com\/rental-property-fire-damage\/#:~:text=Under%20California%20Civil%20Code%20%C2%A7,or%20home,%20it%20becomes%20uninhabitable.\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\"> Cal. Civ. Code \u00a7\u00a7 1941<\/span><\/a><span data-preserver-spaces=\"true\">:<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><span data-preserver-spaces=\"true\">If a property <\/span><span data-preserver-spaces=\"true\">is <\/span><span data-preserver-spaces=\"true\">totally<\/span><span data-preserver-spaces=\"true\"> destroyed<\/span><span data-preserver-spaces=\"true\">, the California Department of Real Estate states that a rental lease will terminate, the landlord does not need to provide temporary housing, and the tenant can stop paying rent. <\/span><span data-preserver-spaces=\"true\">If the property is only partially destroyed (due to no fault of the tenant), the tenant may terminate the lease upon delivery of written notice to the landlord if a substantial portion of the premises is damaged or if a material portion of the premises necessary for tenant&#8217;s use is damaged.<\/span><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Looking Forward<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Rebuilding LA will take years, a lot of government help, and building code changes. <\/span><span data-preserver-spaces=\"true\">For many Los Angeles residents, this experience will have proved <\/span><span data-preserver-spaces=\"true\">way<\/span><span data-preserver-spaces=\"true\"> too traumatic, and they will <\/span><span data-preserver-spaces=\"true\">simply<\/span><span data-preserver-spaces=\"true\"> look to live elsewhere.<\/span><span data-preserver-spaces=\"true\"> Expect a large-scale migration from LA while it is <\/span><span data-preserver-spaces=\"true\">being rebuilt<\/span><span data-preserver-spaces=\"true\">. For landlords who have lost their buildings and can claim <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/homeowners-insurance-complete-guide\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">insurance<\/span><\/a><span data-preserver-spaces=\"true\">, once they have paid off the mortgage, they may ask themselves if rebuilding is worth it.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Landlords who stay will have their incomes severely impacted for many years. Those with construction experience might want to leverage it to get involved with the rebuild by either working with a <\/span><span data-preserver-spaces=\"true\">larger<\/span><span data-preserver-spaces=\"true\"> construction firm or forming one themselves and bidding for contracts using government funds and grants. One thing is <\/span><span data-preserver-spaces=\"true\">for sure<\/span><span data-preserver-spaces=\"true\">: Those with a ready army of labor will be in high demand.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Final Thoughts<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you own a rental property <\/span><span data-preserver-spaces=\"true\">that <\/span><span data-preserver-spaces=\"true\">was<\/span><span data-preserver-spaces=\"true\"> destroyed<\/span><span data-preserver-spaces=\"true\"> in the LA wildfires, the <\/span><span data-preserver-spaces=\"true\">first<\/span><span data-preserver-spaces=\"true\"> priority is to check your insurance policy to see what is covered and plan accordingly.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you are a landlord and your property has not <\/span><span data-preserver-spaces=\"true\">been destroyed<\/span><span data-preserver-spaces=\"true\">, you will be in high demand. Pay attention to the anti-price gauging laws, sympathize with others&#8217; hardships, and do the right thing.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Landlords with construction experience and the labor force to implement it should start making calls now. While many buildings have <\/span><span data-preserver-spaces=\"true\">been destroyed<\/span><span data-preserver-spaces=\"true\">, some have only <\/span><span data-preserver-spaces=\"true\">been damaged<\/span><span data-preserver-spaces=\"true\">, and <\/span><span data-preserver-spaces=\"true\">it&#8217;s essential that these <\/span><span data-preserver-spaces=\"true\">are<\/span><span data-preserver-spaces=\"true\"> repaired<\/span><span data-preserver-spaces=\"true\"> as soon as possible to get roofs over heads for those in need.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Consider donating to the <a href=\"https:\/\/www.redcross.org\/\" target=\"_blank\" rel=\"noopener\">American Red Cross<\/a> and the <a href=\"https:\/\/supportlafd.org\/\" target=\"_blank\" rel=\"noopener\">LA Fire Department Foundation<\/a> to support those in need.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s every landlord&#8217;s worst nightmare: a fire leaving your home in cinders without having the insurance to cover the loss. That&#8217;s the issue facing many homeowners and landlords whose properties [&hellip;]<\/p>\n","protected":false},"author":613725,"featured_media":180474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5183],"tags":[],"class_list":["post-180472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-landlording"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/180472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613725"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=180472"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/180472\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/180474"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=180472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=180472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=180472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}