Wildfires are devastating, and rebuilding after a disaster starts with debris removal. California homeowners have two choices:
State-managed debris removal, which follows a government timeline and may take months.
Private debris removal, which offers faster service, competitive pricing, and more control over insurance payouts.
Hosing down during debris removal to reduce the dust.
At Creation G, Inc., we have the unfortunate experience in architectural and structural engineering for post-wildfire rebuilding and can connect you with trusted private debris removal contractors to accelerate your recovery.
Understanding the State Debris Removal Program
The California state debris removal program is a government-run service designed to clear wildfire-affected properties in bulk. While it’s an option many homeowners consider, it comes with major downsides, including long wait times and a lack of control over costs.
State Timeline: How Long Does It Take?
The state operates on its own schedule, meaning your property will be cleared when they get to it—not when you’re ready.
For example, after the Thomas Fire, which was significantly smaller than the Palisades Fire, some of our clients waited six to eight months before they could even submit rebuilding plans. The reason? The state had not cleared their sites, delaying necessary steps like final surveys and soil reports.
If you want to start rebuilding quickly, waiting months for state debris removal isn’t ideal.
How the State Uses Your Insurance Money
If your insurance policy includes a separately allocated debris removal fund, the state will take the entire amount, no matter the actual cost. This means:
You cannot reallocate leftover funds to construction, design, or soft costs.
You have no control over how much the state charges.
However, if your insurance provides a lump sum payout, you need to compare how much the state will take versus private debris removal costs. In many cases, private debris removal can be more cost-effective, leaving more of your insurance money for rebuilding.
Why Private Debris Removal Might Be the Better Choice
Private debris removal companies offer faster service, competitive pricing, and more control over your rebuilding process. Here’s why many homeowners choose this route:
1. Faster Debris Removal = Faster Rebuild
Instead of waiting months for state clearance, private contractors can often start within weeks, allowing you to begin rebuilding much sooner.
2. Competitive Bidding Saves You Money
Unlike the state program, private debris removal allows you to shop around for bids, ensuring you get the best price for the work. In many cases, hiring a private contractor costs less than what the state would charge your insurance.
3. More Control Over Insurance Funds
If your insurance payout is a lump sum, hiring a private debris removal company can help preserve funds for construction. Instead of handing over a large amount to the state, you control the budget and keep more for rebuilding.
The Smartest Choice? Get Expert Guidance on Whats Your Option Private vs. State Debris Removal
Deciding between state and private debris removal depends on your insurance policy, budget, and rebuilding timeline.
At Creation G, Inc., we have the unfortunate experience in architectural and structural engineering for post-wildfire rebuilding. We can help you navigate the debris removal process, compare costs, and set up a private debris removal contractor to get your site cleared faster.
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