Pre-settlement funding for California wildfire plaintiffs.
Property damage, personal injury, and wrongful death claims arising from utility-caused wildfires. Non-recourse advances for qualifying plaintiffs pending settlement or trial.
California wildfire litigation typically involves claims against investor-owned utilities — Pacific Gas & Electric (PG&E), Southern California Edison, and others — for igniting wildfires through electrical infrastructure failures. These cases involve inverse condemnation (in California, utilities are strictly liable for fire damage caused by their equipment), negligence, and nuisance theories. Major wildfires (Camp Fire, Tubbs Fire, Dixie Fire, Caldor Fire) have generated some of the largest personal injury settlements in California history.
Not every claim is a fit for funding. The factors below are the ones our underwriting team weighs most heavily when evaluating this case type. Meeting them does not guarantee approval, but it indicates a claim well-suited for a pre-settlement advance.
California wildfire underwriting leverages the state's inverse-condemnation standard, under which utilities are strictly liable for damage caused by their equipment — a favorable liability posture. We confirm the claim ties to a specific utility-caused fire, assess the documented loss, and evaluate the recovery path, whether through litigation or a utility settlement fund or trust. Expected recovery is modeled against the resolution history of comparable wildfire proceedings.
Wildfire recoveries depend heavily on the proceeding; settlement-fund distributions can take two to five years from claim submission to payment.