California homeowners who lost everything in this week’s devastating Los Angeles-area fires now have to battle their insurance companies to recover the value of their homeowners’ policies – if they are lucky enough to have insurance at all.

With estimates of the economic damage from the fires now reaching $52bn-$57bn, consumer advocates and veterans of past disasters say homeowners can expect weeks or months of paperwork to prove that they have lost what they say they have lost, if not also pressure from claims adjusters and a whole class of disaster professionals to make a quick settlement for less than they are entitled to under their policies.