The California Department of Insurance published a formal notice addressed to residential property insurance companies reminding them they are required to provide ALE benefits if a home is deemed uninhabitable following the 2025 wildfires.

The Department specifies that accessibility does not mean a home is fit to live in. There are many unsafe conditions that can make a home uninhabitable, including toxic debris and ash, contaminated water, and a lack of essential utilities.

County Public Health has stated that if Phase 1 & 2 of the fire debris removal and cleanup are not completed, an area remains hazardous and can lead to short and long-term medical conditions for anyone in the area. In a public health advisory, they warn of living within 250 yards of a burned structure, which can be greater if there are strong winds.