Losing your home to a wildfire is one of the worst things that can happen to a family.
When that fire was started by a utility company’s faulty equipment, a negligent contractor, or a government agency that failed to act, you have every right to pursue compensation. The problem is that wildfire lawsuits take time. A lot of it. And while your attorney works through the legal process, your bills do not pause.
Rent still comes due. Food still costs money. Temporary housing is expensive. And your settlement is nowhere close.
ECO Pre-Settlement Funding provides wildfire lawsuit loans to plaintiffs with pending fire damage claims. You get cash now. You pay us back from your settlement if your case closes in your favor. If it does not, you owe us nothing.
What Are Wildfire Lawsuit Loans?
Wildfire lawsuit loans are pre-settlement cash advances tied to your pending wildfire lawsuit or insurance bad faith claim.
This is not a bank loan. ECO advances you money based on what your case is likely worth. When your case settles, repayment comes out of your settlement proceeds. Not your savings. Not your paycheck.
You will also hear this called:
- Wildfire pre-settlement funding
- Fire damage lawsuit advances
- Non-recourse wildfire claim funding
- Utility negligence lawsuit loans
No monthly payments. No credit checks. No employment history required. Your case and your attorney are the only things we look at.
Who Qualifies?
You may qualify for pre-settlement funding if you have a pending wildfire lawsuit and an attorney on your case.
Cases we commonly fund include:
- Utility company negligence claims involving downed power lines or failed equipment
- PG&E and other utility-related fire damage lawsuits
- Government agency negligence for failure to manage fire risks
- Negligent land management cases
- Arson-related civil lawsuits against responsible parties
- Insurance bad faith claims where insurers wrongfully denied or underpaid
- Homeowner and property damage claims from wildfire spread
- Business interruption and lost income claims
- Personal injury claims from smoke inhalation and toxic exposure
- Wrongful death claims tied to wildfire incidents
If your attorney sees clear liability and a likely recovery, we can usually make a funding decision within 24 hours of talking to them.
How the Process Works
Three steps. That is it.
Step 1: Call or apply online
Reach us at 800-961-8924 or fill out a short online application. No paperwork. No documents to pull together. Just basic information to get things moving.
Step 2: We contact your attorney
Our team calls your attorney directly to review the case. You do not need to track anyone down or gather records. We handle all of it.
Step 3: Money comes to you
Once approved, we send funds directly to you. Most clients get their money the same day or the next business day.
No upfront fees. Nothing hidden. No surprises.
Why Wildfire Cases Take So Long
Wildfire lawsuits are genuinely complicated. Here is why they drag on even when liability seems obvious.
Multiple defendants
Most wildfire cases do not point to just one party. There is often a utility company, a maintenance contractor, a government agency, and sometimes a private landowner all potentially sharing responsibility. Untangling that web takes time and serious legal work.
Utility companies fight hard
PG&E, Southern California Edison, and other large utilities do not settle quickly. They have experienced legal teams whose job is to challenge causation, dispute damage calculations, and drag out proceedings as long as possible. Building a case that holds up against that kind of opposition takes months.
Mass litigation moves slowly
When thousands of people file claims from the same fire, those cases often get consolidated into mass tort proceedings. That means your resolution is tied to a broader legal timeline affecting everyone involved. Individual outcomes depend on how the larger case moves through the court system.
Damage documentation takes time
Proving exactly what you lost requires detailed records. Property values. Replacement costs. Lost income. Personal property. Health impacts from smoke exposure. Emotional distress. Pulling all of that together takes real effort from your legal team.
Insurance fights can run parallel
A lot of wildfire plaintiffs are also fighting their own insurer at the same time. Coverage denials. Underpayment. Bad faith delays. When both battles are happening at once, the overall timeline stretches out considerably.
ECO exists specifically to cover you financially while all of this plays out.
What Wildfire Victims Are Actually Dealing With
People talk about wildfire losses in terms of property. But the financial damage runs much deeper than that.
The house is gone. So is everything inside it. Vehicles. Furniture. Clothing. Documents. Things that took decades to accumulate, gone in hours. The neighborhood you chose, the community you built, the schools your kids attended, all of it disrupted or destroyed.
Then comes the aftermath. Temporary housing that costs more than your mortgage did. Replacement basics that add up fast. Storage fees. New transportation arrangements. The time and cost of dealing with insurance adjusters, contractors, and attorneys simultaneously.
For business owners it is worse. Lost revenue from the day the fire started. Damaged or destroyed inventory and equipment. Employees who cannot work. Customers who cannot reach you. In some cases, permanent closure.
Insurance payouts, when they come, often do not cover the real cost of what happened. And when your insurer drags its feet or denies a legitimate claim, the gap between what you are owed and what you have gets wider every week.
Our wildfire lawsuit loans exist to close that gap while your attorney fights for full recovery.
Utility Negligence and What You Are Owed
A large percentage of the most destructive wildfires in recent years trace back to utility company failures.
Power lines that snapped in high winds. Transformers that were not maintained. Equipment that should have been upgraded years ago. Decisions to keep power running during extreme fire conditions when it should have been shut off. These are not freak accidents. They are the result of choices made by companies that prioritized cost savings over public safety.
When that negligence destroys your property or harms your family, your legal rights go beyond what your homeowner’s insurance will pay. You can pursue the utility company directly for property damage, personal property losses, additional living expenses, lost income, health impacts, emotional distress, and in some situations punitive damages.
These cases are worth pursuing. But they take financial staying power to see through. ECO provides wildfire lawsuit loans because we know utility defendants have resources that most individual plaintiffs do not. Leveling that playing field starts with making sure you can afford to wait for a fair outcome.
When Your Own Insurer Is the Problem
Not everyone who calls us is suing a utility company. Some people are fighting their own insurance carrier.
Insurance bad faith happens when an insurer does not handle your claim honestly. In wildfire cases that looks like:
- Denying a valid claim without a legitimate reason
- Sitting on your claim for months without paying
- Offering a settlement that does not come close to covering your actual losses
- Applying exclusions that do not apply to your situation
- Not properly investigating what happened
When an insurer acts this way, you have the right to sue them directly. These cases can take time to litigate, especially when the insurer has legal resources to push back. ECO funds insurance bad faith claims tied to wildfire losses. If that is what your attorney is pursuing, call us at 800-961-8924.
Why Clients Choose ECO
We have been funding plaintiffs since 2010. Over that time we have worked on complex multi-party cases, mass tort litigation, and property damage claims that took years to resolve. Wildfire cases check all of those boxes.
Here is what working with us actually looks like:
- No repayment if you lose: Fully non-recourse. If your case does not pay out, neither do you.
- Fast decisions: Most clients hear back within 24 hours of us speaking with their attorney.
- No credit checks: We look at your case, not your credit score.
- Clear terms: We explain costs in plain language before you sign anything. Nothing buried.
- We work with your attorney: Not around them. Directly with them, throughout the process.
- We know complex cases: Mass tort timelines and utility litigation are not new territory for us.
You are already dealing with the aftermath of losing your home or property. The funding process should not add to that burden. We make sure it does not.
How Much Can You Get?
It depends on your specific case.
We look at the extent of your property damage, how strong the liability is, what insurance coverage is available, the defendant’s financial resources, and your attorney’s read on likely recovery. Wildfire cases involving serious property damage and clear utility negligence often carry significant value, which can mean meaningful funding for qualified applicants.
Every case is different and the only way to find out where yours stands is to talk to us. No cost. No obligation.
Call 800-961-8924 for a free case review.
You Lost Enough. You Should Not Have to Settle for Less.
A wildfire took things from you that money cannot fully replace. But the legal process exists to hold the people responsible accountable and get you as close to whole as possible.
Financial pressure should not be the reason you accept a settlement that falls short. Wildfire lawsuit loans from ECO give you the ability to wait for what your case is actually worth.
No risk. No monthly payments. No repayment unless you win.
Call 800-961-8924 or apply online now. Most applicants get a funding decision within 24 hours. No cost to apply. No obligation to accept.
Frequently Asked Questions
What are wildfire lawsuit loans?
Cash advances tied to your pending wildfire lawsuit. You repay from your settlement if your case pays out. If it does not, you owe us nothing.
Can I get funding if my case is part of a mass tort or class action?
Yes. We fund individual plaintiffs in mass tort wildfire litigation. Call 800-961-8924 to talk through where your case stands and what options are available.
Do I need an attorney to apply?
Yes. Legal representation is required. We contact your attorney directly to review your claim. You do not need to gather any documents yourself.
Can I get funding for an insurance bad faith claim?
Yes. We fund bad faith claims tied to wildfire property damage. If your insurer wrongfully denied or underpaid your claim and your attorney is pursuing legal action, call us to discuss your options.
How much can I get for my wildfire lawsuit?
It depends on damage extent, liability strength, available coverage, and your attorney’s assessment. Call 800-961-8924 for a free review and a funding estimate specific to your case.