How Monument Guides You Step-by-Step in Home Rebuilding Financing in Malibu & Palisades

When a wildfire sweeps through Malibu or the Palisades, it doesn’t just take homes—it takes away peace of mind. Amid the shock and uncertainty, most homeowners face one burning question: How do I afford to rebuild—correctly, safely, and without drowning in delays?

At Monument Home Builders, we specialize in guiding luxury homeowners through the entire home rebuilding financing process, from assessing the damage to handing over the keys to your new fire-resilient home. Here’s exactly how we walk with you—step by step—through one of the most complex journeys you’ll ever face.

Step 1: Initial Assessment & Financial Gap Analysis

The process starts with understanding your true financial position. Most homeowners assume their insurance will cover all rebuild costs, only to be blindsided by policy caps, exclusions, or depreciation rules.

At this stage, our team steps in to:

• Assess structural and cosmetic fire damage

• Compare projected rebuild costs to your current insurance policy

• Identify potential financial shortfalls—sometimes as much as 30–40% in luxury homes

By conducting this gap analysis early, you gain the clarity needed to make informed financial and architectural decisions moving forward. This step is essential for budgeting and aligning your expectations with reality.

Step 2: Insurance Support & Private Adjuster Coordination

We immediately connect you with a licensed private insurance adjuster—a professional who works for you, not the insurance company.

Our role here includes

• Referring adjusters experienced in high-value property claims

• Helping ensure every loss—contents, structure, code upgrades—is accurately documented and fairly valued

• Coordinating communication between the adjuster, your insurer, and our build team

A strong claim can make or break your ability to rebuild without financial stress. We ensure your insurance payout is maximized before financing begins.

Step 3: Explore Home Rebuilding Financing Options

Even with a fair settlement, most Malibu and Palisades homeowners need additional financing to complete a full, code-compliant rebuild. That’s where our network comes in.

Monument connects you with trusted lenders who offer:

• Disaster recovery loans, such as FHA 203(h) or private wildfire recovery options

• Bridge loans to begin construction while you wait for insurance disbursement

• Construction-to-permanent loans, ideal for luxury homes with complex build-outs

• Refinancing packages to unlock equity and reduce your interest burden

We don’t just hand you a list—we help you compare loan terms, qualify with lenders, and coordinate application materials. Our goal is to ensure your financing matches your timeline, scope, and vision.

Step 4: Permitting, Codes & Local Planning Support

After financing is secured, we take on one of the most frustrating and delay-prone parts of the rebuild: city permits, fire codes, and zoning laws.

Our in-house experts:

• Redesign your home to meet updated WUI (Wildland-Urban Interface) fire codes

• Manage submittals to the Malibu or L.A. city planning departments

• Navigate HOA restrictions, setback requirements, and structural engineering reviews

Because we’ve worked in these communities for decades, we know what to expect and how to keep your application moving. This step is key to ensuring your financing doesn’t stall due to avoidable paperwork delays.

Step 5: Construction Execution with Financial Alignment

With permits approved and funding in place, we break ground. But unlike many builders, Monument keeps your financing front and center throughout the build.

We:

• Establish a build schedule that aligns with loan disbursement timelines

• Provide detailed cost tracking and transparent budgeting

• Avoid scope creep or unapproved upgrades that could push you over budget

• Handle inspections, change orders, and lender-required documentation

This ensures your home is not just rebuilt—it’s rebuilt efficiently, on time, and with full awareness of your financial plan.

Step 6: Final Approvals, Closeout & Post-Build Support

The final stage is often overlooked—but we treat it with the same rigor as the first.

We assist with:

• Securing the Certificate of Occupancy

• Completing lender-mandated inspections and reports

• Preparing closeout packages for insurance documentation or future refinancing

• Verifying compliance with current fire safety and energy codes

We’re not just done when construction wraps—we’re done when you are fully settled, financially protected, and set up for the future.

Designed for Malibu & Palisades Rebuilds

Rebuilding in coastal wildfire zones is unlike any other construction project. Between hillside setbacks, coastal overlays, and wildfire compliance codes, the process is highly regulated—and incredibly nuanced.

Monument has over 30 years of experience building and rebuilding in Malibu, Pacific Palisades, and the surrounding fire-prone zones of Los Angeles. Our team knows the city offices, building inspectors, and permitting pitfalls that can make or break your timeline.

Why Homeowners Trust Monument for Financing-Focused Rebuilds

• Deep expertise in luxury post-disaster reconstruction

• Step-by-step coordination of financing, permitting, and build execution

• Trusted relationships with lenders, private adjusters, and city officials

• Concierge-level service tailored to Malibu and Palisades homeowners

We don't just build houses—we rebuild lives with precision, empathy, and professionalism.

Ready to Take the First Step?

If you're navigating the emotional and financial challenges of a wildfire rebuild, Monument Home Builders is ready to walk with you—step by step.

Call (310) 774-2845  Visit www.monumenthomebuilders.net to schedule your free home rebuilding financing consultation.