{"id":6708,"date":"2025-08-04T08:18:33","date_gmt":"2025-08-04T12:18:33","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6708"},"modified":"2025-08-04T08:18:36","modified_gmt":"2025-08-04T12:18:36","slug":"new-california-law-will-help-heirs-to-fire-damaged-properties-get-official-deeds","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/new-california-law-will-help-heirs-to-fire-damaged-properties-get-official-deeds\/","title":{"rendered":"New California Law Will Help Heirs to Fire-Damaged Properties Get Official Deeds"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"627\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/new-california-law-to-help-heirs-of-fire-damaged-properties.webp\" alt=\"\" class=\"wp-image-6709\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/new-california-law-to-help-heirs-of-fire-damaged-properties.webp 1400w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/new-california-law-to-help-heirs-of-fire-damaged-properties-300x134.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/new-california-law-to-help-heirs-of-fire-damaged-properties-1024x459.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/new-california-law-to-help-heirs-of-fire-damaged-properties-768x344.webp 768w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<p>Senator Sasha Ren\u00e9e P\u00e9rez of Pasadena has proposed a change to California law. It would let Los Angeles County residents affected by January\u2019s wildfires resolve missing deeds without a penalty. Missing documentation puts <a href=\"https:\/\/www.deeds.com\/articles\/multigenerational-homeownership-how-the-deed-is-vested\/\">generational real estate assets<\/a> at risk. It can also keep disaster aid off-limits to those who most need it.<\/p>\n\n\n\n<p>S.B. 293 is titled the <em>Generational Homeownership Protection Act<\/em>. It would acknowledge the rights to homes informally passed down to children or to grandchildren. It would also keep property tax increases from suddenly hitting the owners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Challenge: Homes Passed Down Informally, Without Recorded Deed Transfers<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"898\" height=\"522\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/the-challenge.webp\" alt=\"\" class=\"wp-image-6710\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/the-challenge.webp 898w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/the-challenge-300x174.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/08\/the-challenge-768x446.webp 768w\" sizes=\"auto, (max-width: 898px) 100vw, 898px\" \/><\/figure>\n\n\n\n<p>Senator P\u00e9rez represents the district that includes Pasadena and Altadena. In Altadena, the Eaton Fire destroyed about 10,000 buildings in January 2025. It was just one of a string of wildfires that devastated large swathes of Southern California. The losses \u2014 of life, property, and natural resources \u2014 were unprecedented in the state\u2019s history. This led to the Governor announcing a state of emergency.<\/p>\n\n\n\n<p><a href=\"https:\/\/newsroom.ucla.edu\/releases\/altadenas-black-communitydisproportionately-affected-eaton-fire-report-shows\" target=\"_blank\" rel=\"noreferrer noopener\">UCLA research<\/a> found that the Eaton Fire hit Black households especially hard. Black households make up 18% of the Altadena population. About half of those households suffered major losses or the complete ruin of their homes (as compared to 39% of households generally).<\/p>\n\n\n\n<p>And among the lost and damaged properties, a significant number had been passed down within families informally, without official deed recordings. When ownership transfers don\u2019t get recorded, unexpected tax burdens can pile up on residents who aren\u2019t aware of these debts.<\/p>\n\n\n\n<p>Altadena\u2019s historic Black community faced the harsh impacts of these realities. Many of these households have passed property down through generations \u2014 often, without the customary legal documentation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u00e9rez introduced Senate Bill 293 in February; It Was Revised in July<\/h2>\n\n\n\n<p>The bill has now gone through several amendments. It will apply to people with properties that have been reassessed for tax purposes following a \u201cmajor misfortune or calamity\u201d where the governor has announced a state of emergency.<\/p>\n\n\n\n<p>The new law intends to support fire victims in the following ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Amending the state\u2019s tax code to enable intergenerational deed transfers in households damaged in the 2025 Eaton Fire, Palisades Fire, Hurst, Lidia, Sunset, or Woodley Fires.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extending property tax relief, allowing more time for homeowners and disabled veterans to file for tax exemptions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Making allowances for families who face problems sorting out deed documentation after a calamity strikes. Additional time can be essential in preserving intergenerational homes or farms while dealing with multiple pressures in disaster recovery.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Letting property owners benefit from an intergenerational transfer even though they didn\u2019t follow the requirement to submit a change in ownership statement with the county tax department when a parent or grandparent died. \u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Directing California to cover the bill\u2019s costs to local agencies and school districts. This matters because the new law will allow affected residents to \u201cgrandfather in\u201d tax values of the late owners who passed down the property.<\/li>\n<\/ul>\n\n\n\n<p>In general, this is about easing the impact of unexpected financial hardships in the wake of disasters. Among the bill\u2019s most important effects is the path it opens for conserving property in households. As Senator P\u00e9rez says, the updated law will help to \u201cpreserve the cultural and historical identity of the community.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Title Company Pitches In With Fee-Free Document Replacements<\/h2>\n\n\n\n<p>First American Financial Corp. created a website so that Los Angeles County residents could get free copies of their deeds, without the usual wait time. People impacted by the fires can retrieve their documents once they\u2019ve created an account and passed through identity verification. (The website is <a href=\"https:\/\/owner.firstam.com\/socal-wildfires\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.)<\/p>\n\n\n\n<p>\u201cStepping up in challenging times,\u201d Ken DeGiorgio, CEO of First American, stated, \u201creflects our commitment to the communities we serve and call home.\u201d<\/p>\n\n\n\n<p>DeGiorgio noted that the company\u2019s presence in the greater Los Angeles area goes back 135 years. So, DiGiorgio said, \u201cWe feel the responsibility to find ways we can help our neighbors, friends and families cope with this tragedy.\u201d<\/p>\n\n\n\n<p>The company made a $25K gift to the Los Angeles Fire Department Foundation. This donation supported the firefighters of the county. It also helped bring residents food and other necessities, and helped to support local support services. &nbsp;<\/p>\n\n\n\n<p><em>Climate change is relentlessly reshaping the American dream of homeownership, transforming extreme weather from a distant threat into a direct financial crisis for millions.<\/em><\/p>\n\n\n\n<p>\u2013 <em>Capital B News<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Federal Foreclosure Moratorium for Fire Victims Ended in July<\/h2>\n\n\n\n<p>Dozens of fire-ravaged Californians have received lenders\u2019 warning notices that put them into pre-foreclosure status. They\u2019re disproportionately Black.<\/p>\n\n\n\n<p>A six-month federal hold against foreclosure isn\u2019t the only relief that expired. A California initiative in which lenders agreed to give borrowers three months to delay payments has also come to an end.<\/p>\n\n\n\n<p>This is part of a national story, as explained by Adam Mahoney, climate and environment reporter at <a href=\"https:\/\/capitalbnews.org\/black-families-foreclosure-altadena-wildfire\/#:~:text=all%20climate%2Drelated%20mortgage%20losses\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Capital B News<\/em><\/a>. Together with Florida and Louisiana, California is on track to have the most climate-related mortgage losses this year. By 2035, climate-related disasters could lead to nearly a third of total annual foreclosures. Many households will try to sell devastated land for whatever a corporate buyer will offer.<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\"><em><strong>Investment companies have bought foreclosed real estate across the United States\u2014sometimes to rent it back to the very people who lost it. Read more from Deeds.com on <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/how-wall-street-real-estate-firms-get-richer-and-get-tax-breaks\/\"><strong><em>How Wall Street real estate firms see opportunities<\/em><\/strong><\/a><em><strong> in ordinary homeowners\u2019 struggles.<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Greatest Need: To Invest in People<\/h2>\n\n\n\n<p>Since the fires ripped through Los Angeles, about 150 of the affected properties have been sold. At least half of them were picked up by businesses. One corporation named Black Lion Properties LLC has snapped up at least a dozen, reports <em>Capital B News<\/em>.<\/p>\n\n\n\n<p>Residents who stay must deal with the steep upward march of insurance premiums. When the charges become overwhelming, more households find themselves at the brink of default and foreclosure.<\/p>\n\n\n\n<p>Housing advocate Andreanecia Morris directs a nonprofit called HousingNOLA. The group supports New Orleans residents with the ongoing work of disaster recovery. <em>Capital B News<\/em> quotesMorris as observing that state and federal agencies\u2019 lack of capacity to deal with post-disaster housing is driving a rise in homelessness: \u201cWe\u2019re not investing in the people who need it most.\u201d<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>LegiScan LLC: <a href=\"file:\/\/\/C:\/Users\/Lee\/OneDrive\/Desktop\/LONG-FORM%20DRAFTS\/Bill%20text,%20S.B.%20293%20(2025\" target=\"_blank\" rel=\"noreferrer noopener\">Bill text<\/a> of Amended California Senate Bill 293 (2025-2026). See also Real Property Tax \u2013 Transfer of Base Year Value \u2013 Generational Transfers \u2013 Wildfire. <a href=\"https:\/\/billtexts.s3.amazonaws.com\/ca\/ca-analysishttps-leginfo-legislature-ca-gov-faces-billAnalysisClient-xhtml-bill-id-202520260SB293-ca-analysis-390087.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Senate Bill Policy Committee Analysis by Harrison Bowlby<\/a>, referring to the Assembly Committee on Revenue and Taxation hearing on Jul. 14, 2025 for S.B. 293 as amended Jul. 8, 2025.<\/p>\n\n\n\n<p>California State Senate press release: <a href=\"https:\/\/sd25.senate.ca.gov\/news\/senator-perez-introduces-legislation-help-fire-victims-recover-resolving-long-term-home-title\" target=\"_blank\" rel=\"noreferrer noopener\">Senator P\u00e9rez Introduces Legislation to Help Fire Victims Recover by Resolving Long-Term Home Title Transfers and Property Tax Issues<\/a> (Feb. 10, 2025).<\/p>\n\n\n\n<p>American Land Title Association (Washington, DC), via <em>ALTA.org<\/em>:<a href=\"https:\/\/www.alta.org\/news-and-publications\/news\/20250204-First-American-Offers-Free-Deed-Replacement-for-Wildfire-Victims\" target=\"_blank\" rel=\"noreferrer noopener\">Industry News \u2013 First American Offers Free Deed Replacement for Wildfire Victims<\/a> (Feb. 4, 2025).<\/p>\n\n\n\n<p>Adam Mahoney for the nonprofit <em>Capital B News<\/em>: <a href=\"https:\/\/capitalbnews.org\/black-families-foreclosure-altadena-wildfire\/\" target=\"_blank\" rel=\"noreferrer noopener\">After LA Fires, Black Altadena Faces Foreclosure and Displacement<\/a> (Jul. 14, 2025; citing the First Street Foundation and other sources).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p><strong>More on topics: <\/strong><a href=\"file:\/\/\/C:\/Users\/Lee\/OneDrive\/Desktop\/LONG-FORM%20DRAFTS\/Owners%20by%20heirship%20are%20denied%20disaster%20assistance\">Owners by heirship are denied disaster assistance<\/a><strong>, &nbsp;<\/strong><a href=\"https:\/\/www.deeds.com\/articles\/deeds-in-disarray-untangling-titles-passed-down-informally\/\">Untangling titles passed down without deed transfers<\/a><\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/www.flickr.com\/photos\/sashareneeperez\/53519816808\" target=\"_blank\" rel=\"noreferrer noopener\">Sasha Ren\u00e9e P\u00e9rez for Senate 76<\/a> via Flickr, and <a href=\"https:\/\/www.publicdomainpictures.net\/en\/view-image.php?image=108788&amp;picture=la-county-fire-department\" target=\"_blank\" rel=\"noreferrer noopener\">Ken Kistler<\/a> via PublicDomainPictures (both released to the public domain).<\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Senator Sasha Ren\u00e9e P\u00e9rez of Pasadena has proposed a change to California law. It would let Los Angeles County residents affected by January\u2019s wildfires resolve missing deeds without a penalty. Missing documentation puts generational real estate assets at risk. It can also keep disaster aid off-limits to those who most need it. S.B. 293 is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6709,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[55],"tags":[2623,2627,2621,2620,1880,1023,2625,2622,1219,2624,2626],"class_list":["post-6708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-california","tag-altadena-fires","tag-black-homeownership","tag-california-wildfires","tag-deed-replacement","tag-disaster-recovery","tag-first-american-financial","tag-generational-homeownership","tag-intergenerational-transfers","tag-property-tax-relief","tag-sasha-renee-perez","tag-sb-293"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New California Law Will Help Heirs to Fire-Damaged Properties Get Official Deeds - 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