The Fire is Extinguished, But Not Contained

On November 8, 2018, the Camp Fire destroyed my home, the homes of my daughters, and the life we had built over decades. But what I have learned in the years since is this: The fire did not end that day. For many of us, it is still unfolding. We talk about recovery. We talk about rebuilding. We talk about compensation. But for too many wildfire survivors, those words never become reality within the time they have left.

My husband, Tod, survived the fire. But he did not survive what came after it. As his health declined, our lives were consumed not only by illness, but by the ongoing consequences of that fire. The loss, instability, and a system that moved far too slowly to restore what had been taken. In the final hours of his life, he took my hand and apologized to me. Over and over.

He told me he was sorry that he had not been strong enough since the fire. Sorry that he was leaving me. Sorry that I would now have to continue the fight alone, to try to make whole a life that we had built together, and that had been destroyed. No one should die believing they have failed their family because a system failed them first. And yet, that is exactly what is happening.

There are many others, men and women who lived through these fires, who have since passed away without their claims resolved, without their homes restored, without their lives made whole. They did not die in the fire.But they died in its aftermath. And the system, as it stands today, does not fully recognize that loss. This is not just a delay. It is not just ineƯiciency. It is a form of harm. Because when compensation comes too late, it is not compensation, it is something else entirely.

Timely payment is not a convenience. It is not an administrative goal. It is a moral requirement. If a person survives a catastrophic event but does not live long enough to see their life restored…Then we have not fulfilled our obligation to them. We have allowed time to become the barrier that denies justice. As policymakers consider changes to wildfire compensation systems, there is an understandable desire to make the process faster, more predictable, and more eƯicient.

I support that goal.

But speed cannot come at the cost of fairness, and fairness must include time. A system that pays quickly is not just more eƯicient. It is more humane. Because it ensures that the people who suƯered the loss are still here to receive what is owed to them. My husband should not have spent his final hours apologizing for something that was never his fault. And no other family should have to carry that memory. We cannot undo what has happened. But we can decide what happens next.

We can build a system where:

• Claims are resolved in time

• Lives are restored within a lifetime

• No one leaves this world still waiting to be made whole

Because when that happens, when people die waiting it is not just a policy failure. It is a human one.

Doreen Z, Camp Fire