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Forest Fire

Rebuilding After Losing Your Home

A comprehensive resource guide to help you through the transition of losing your home to your next steps.

"My home was lost due to a fire,
what do I do now?"

Safety and wellbeing

Ensure Safety and Well-Being

Evacuate the area if necessary and follow emergency instructions. Check on the well-being of family members and pets. Seek Medical Attention If needed.

Home Insurance

Contact insurance when the time is right

Notify your insurance company as soon as possible. Understand your coverage, including temporary living provisions.

Temporary Housing

Find Temporary Housing

Utilize insurance provisions for temporary living expenses (typically up to 2 years).  Consider staying with friends or family if possible.

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Secure Old Home Site

When safe to return, search for valuables and assess damages.  Consider temporary fencing to prevent looting or unauthorized access.

Receive and Review Insurance Adjustor's Estimate

Understand the adjuster's RCV estimate (often Xactimate), compare with policy coverage, and get Madelia or local builder estimate for accurate local rebuilding cost. Use Madelia's detailed estimate to negotiate with insurer; ensure full entitled amount and guard against underinsurance, considering contents funds cautiously.

Create an Inventory of Lost Items

Document lost possessions with photos or videos if possible. Thorough documentation is crucial for insurance claims. Include purchase dates, values, and any available receipts.  Consider using a digital tool or app to organize and store this information securely.

Create a Budget

Create and discuss a budget that is right for you. 

Start Reconstruction Proces

Interview builders, architects, and contractors.

Design New Home

Collaborate with professionals to create a design that meets your needs and budget.  Obtain necessary permits and approvals.

Build New Home

Monitor construction progress and communicate with your building team

Consider Emotional 

Seek Counseling or support groups if needed, as losing a home can be a traumatic experience.

Revaluate Insurance Needs

Review and update your insurance policy to reflect your new home and possessions.

General Contractor


We are here to guide you every step of the way.

Personailzed Home Replacment estimates




Network Hub

Download Madelia's Fire Loss Recovery Checklist: Rebuilding Your Path Ahead

These tips and layouts can help you in the event you've lost your home. 


Lost your home?

Receive 15% off a comprehensive analysis today

In the event that you've lost your home, our rebuild consultation services can provide you with the guidance you need to take the next steps towards rebuilding. Our team of professionals is here to offer you support, advice, and expertise to help make your rebuild process as smooth as possible.

  • Instant Estimates
    What is an Instant Estimate? Our instant estimate is a quick and easy way to get an idea of your home's replacement cost, ensuring you have enough insurance coverage in case of a disaster. With just a few clicks, you'll receive an accurate and reliable estimate based on pre-built data and assumptions from our network of trusted and reputable General Contractors and Subcontractors in your local market. How does the Instant Estimate Work? Simply enter your address into our search box, and our automated system will provide you with an estimate of your home's replacement cost. Not all home information is public, in this case we recommend reaching out to Madelia with additional details of the home and we'll gladly update our database resulting in a better estimate. Why should I use Madelia Instant Estimate Tool? Our service is completely free, and it provides you with a rough idea of your home's value. This is useful for refinancing, selling purposes, or most importantly, to ensure you are adequately insured. However, if you're looking for a more detailed estimate, we offer an enhanced replacement estimate for a fee.
  • Enhanced Replacement Estimates
    What is included with the Enhanced Replacement Estimate? Our enhanced estimate provides more precise details, including printable reports, insurance coverage analysis and collaboration with a licensed Madelia construction estimator. This service is ideal for new homeowners, realtors buying and selling homes, or anyone who wants a peace of mind when it comes to understanding their home.
  • Comprehensive Estimates
    What is a Comprehensive Estimate? Our Comprehensive Replacement Estimate is based on the plans and specifications provided by the homeowner or builder, and is available in multiple formats for homeowners, insurance companies, and contractors. This estimate provides the highest level of detail and accuracy possible, and is ideal for new construction, total losses, and high-end custom homes that require more time and attention to detail.
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