What Is an Impact Statement—And Why Is It So Important for Your Case?

superadmin33
Jul 21
2 min read

Updated: Jul 21

When you're navigating the aftermath of a wildfire or smoke-related property damage, one of the most powerful tools in your legal case is something called an Impact Statement. At first glance, it may seem simple—but it plays a critical role in telling your story, documenting your losses, and helping the court or insurance companies understand the full scope of what you've been through.

Whether your claim was underpaid, denied, or still pending, a well-crafted Impact Statement can help set the record straight.

What Is an Impact Statement?

An Impact Statement is a written account—in your own words—of how the fire, smoke, or related damage has affected your:

Home and property
Health
Finances
Emotional well-being
Daily life and routine

It helps fill in the gaps that photos, receipts, and inspection reports often can’t. It's your opportunity to make sure the real human impact is heard and considered.

Why Is It Important?

Courts, adjusters, and opposing counsel often rely heavily on data and documents—but those don't always reflect the true cost of what you’ve endured. Your Impact Statement helps:

Strengthen your legal claim
Support your eligibility for additional compensation
Document damages not captured in traditional inspections
Comply with new court or settlement requirements
Preserve your rights in case of re-evaluation

Following the recent court ruling against the California FAIR Plan’s limited smoke damage criteria, these statements have become even more essential.

What Will You Be Asked?

When we reach out to help prepare your Impact Statement, we’ll walk you through a series of thoughtful, guided questions. These may include:

Home & Property Damage

What areas of your home were affected by smoke or fire?
Did you notice any lingering smells, discoloration, or debris inside?
Were you able to clean or restore the damage? If so, how?
Have you been displaced or unable to use parts of your home?

Health Impact

Did you or anyone in your household experience respiratory issues, headaches, eye irritation, or other symptoms?
Did you require any medical care due to smoke exposure?

Financial Consequences

Have you spent money out of pocket for repairs, cleaning, or temporary housing?
Did you lose income from missing work, closing a business, or relocating?

Daily Life Disruptions

How has your daily routine changed since the fire?
Have you experienced stress, anxiety, or trouble sleeping?
How has this affected your family or relationships?

You don’t have to prepare these answers in advance—we’ll guide you through everything. Your comfort, privacy, and voice are our top priorities.