For Palisades and Eaton fire households · Free to upload
Your LA fire living-expense file
January 7, 2027 marks two years since the Palisades and Eaton fires began. Gather what you spent and the dates while the details are still easy to find. Keep your original bills and receipts with your file. Upload your bank and card statements, and LedgerLens makes a dated list of your hotel, rent, food and replacement charges, with a total, for your own claim file.
Built from the statements you upload. No bank login. Sources
- Hotel, rent, food and replacement charges
- A total and your average month
- Free blank delay log
Make your file in three steps
- Upload your bank and card statements from the fire on. PDF, CSV, Excel, OFX, QFX, QBO and photos all work.
- Open Statement list and choose Living expenses. Pick the date to start from. You'll see your hotel, rent, food and replacement charges by date, with a total and your average month.
- Find your rent. Rent paid by Zelle or Venmo often shows as Other, by bank transfer as Transfer or Uncategorized, and by paper check as Shopping. On the Transactions page, change each rent payment to Housing so your list shows it as rent. Add a note to any line, like "motel in Pasadena" or "school clothes."
What the list shows
One row per charge, in date order.
- Date
- Description from the statement
- Amount
- Category, such as Hotel & Lodging or Groceries
- Your notes
Delay log
Write down each delay when it happens, with the date. Keep it with your claim file.
Kind of delay: Permits
- Date
- What happened
- Who you spoke with
- Proof you kept
Kind of delay: Materials
- Date
- What happened
- Who you spoke with
- Proof you kept
Kind of delay: Contractor availability
- Date
- What happened
- Who you spoke with
- Proof you kept
Kind of delay: Inspections
- Date
- What happened
- Who you spoke with
- Proof you kept
Kind of delay: Claim decisions
- Date
- What happened
- Who you spoke with
- Proof you kept
Kind of delay: Other
- Date
- What happened
- Who you spoke with
- Proof you kept
Start your living-expense file
Create a free account and upload your statements. You'll see the list and the total before you pay anything.
Free to start. No bank login.
Making the list is free on Starter. Downloading it as an Excel file needs Plus: $12 a month or $120 a year.
FAQ
Common questions
Why January 7, 2027?
It marks two years since the Palisades and Eaton fires began. Read the coverage and timing notes below.
What counts as a living expense?
See the Department of Insurance's examples in the coverage notes below.
Does the list show what my insurer owes me?
No. The list shows what you paid. Read the coverage notes below.
How is the run-out month worked out?
It takes the limit you type, subtracts the amount paid so far, and divides what's left by the monthly amount. It uses the numbers you type.
What is the delay log for?
It's a place to write down what held up your rebuild or your claim, with the date: a permit, materials, a contractor, an inspection or a claim decision. Print it or download it, and keep it with your own records.
Is it free to make the list?
Yes. Uploading statements and reading the list costs nothing. Downloading the list as an Excel file needs a paid plan. See plans and prices. The delay log is free and needs no account.
Do I have to connect my bank?
No. You upload statement files you already have, such as PDFs from your bank's website. LedgerLens never asks for your bank login.
Who can answer questions about my claim?
Sources
Coverage and timing notes use California Insurance Code section 2060 and the Department of Insurance alert. Fire dates come from the Governor's office and CAL FIRE. Links below let you check them.
- California Insurance Code section 2060
- California Department of Insurance, "Insurance coverage for additional living expenses if the home is not habitable due to a wildfire"
- Office of Governor Newsom, January 7, 2025: state of emergency proclaimed for the Palisades Fire
- CAL FIRE, Eaton Fire: incident start date
- LedgerLens plans and prices
Prepared by the LedgerLens team. LedgerLens (ledgerlens.com) is a bank-statement review web app from Edukas Solutions LLC, a California company.
Related
- Have statements as PDFs?Turn bank statement PDFs into a list
LedgerLens lists charges from the statements you upload. It isn't legal or insurance advice. It doesn't decide which costs your policy covers, whether you can get more time, or what your insurer will pay, and it doesn't send anything to your insurer. Your policy, the law and the facts of your claim determine your coverage and limits. Check the list against the original statements before relying on it.
Coverage and timing: For a covered loss tied to a declared state of emergency, California Insurance Code section 2060 provides an additional living expense time window of at least 24 months from when the loss began, subject to other policy terms. An insurer must grant an extension of up to 12 more months, for a total of 36, when someone acting in good faith and with reasonable diligence faces rebuilding delays outside their control. Further six-month extensions must be provided for good cause. More time does not increase a policy's dollar limit. Renters may have shorter coverage. The January 7 anniversary is not a shared coverage-end date. Keep the original bills and receipts for the added costs of living away from home. Ask your insurer for its list of costs that may be covered.
Questions about your insurance? Call the California Department of Insurance at 1-800-927-4357. A lawyer can advise on your own claim.