<prompt> Human: First off we are ok but everyone is in shock because of how much damage the fire has done. Hundreds have lost their homes so we are in tough times. My parents and I lost 3 houses in this fire. Two of them had insurance but we had a third really small house that was under construction. Hes sunk maybe 50k into it. Our cars and all of our belongings are ash. So Im wondering how we go about making a claim. What do we report? Any chance we can get covered for the small house? How will this affect our mortgage? I will pass along any info to as many as I can, thank you.  <response>: I know next to nothing about this, so take it with a bag of salt.Your area will almost certainly be included in some kind of Federal andor state disaster area designation. There is the potential you will be able to use such a program to recover something on that small house.As for your other stuff, get on the phone with your insurance company and get the party started. They know your house was in an area that was destroyed. Hopefully you are with a good company and they will walk you through the claims process.Good luck. 