The California Department of Insurance published a consumer alert providing information on the 2025 Los Angeles Wildfires Consolidated Debris Removal Program and how the program interacts with insurance policies.

The program was developed to expedite the removal of potentially hazardous debris and to help insureds who may have their policy limits exhausted by debris removal. In most scenarios, the program will result in no out-of-pocket costs to the insured above their insurance policy limit for debris removal. The program should also be more cost-effective for insurance companies compared to the costs of a private debris removal contractor.

If an insured decides to opt-in to the program, they authorize that their specified debris removal coverage be remitted to the County up to the coverage limit. Past the limit, the insured will not be liable for additional costs. The program provisions apply whether or not the insured decides to rebuild in the same location or another.