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Claims and Disputes disasters
Cottonwood Fire and Floods (2026) Utah's Cottonwood Fire burned nearly 100,000 acres; July burn-scar floods hit 200+ homes. DR-4948 funds public repairs only. Fire is covered, flood is not. Hurricane Isaias (2026) Isaias struck near Destin, Florida, on Oct. 9, 2026 at 105 mph. Hurricane deductibles apply, FEMA aid is limited, and Florida's 1-year claim clock runs. Los Angeles Wildfires (January 2025) The Palisades and Eaton fires caused about $40 billion in insured losses. The moratorium has ended; California's 24-month suit limit runs to January 2027. Winter Storm Fern (2026) January 2026 ice, snow and record cold: about $3.5 billion insured (Aon), FEMA major disasters in five states, and suit deadlines still running.