The 2025 Hughes Fire forced many homeowners across Castaic and Los Angeles County to confront a difficult truth, their insurance coverage was not enough to rebuild. Construction costs, material prices, and updated WUI codes have driven rebuild estimates far beyond what most policies cover. This gap leaves families with hard choices at a time when clarity and support are most needed. Joy Line Homes understands the challenges of under-insurance and offers a solution through modular construction, providing affordable, transparent, and efficient rebuild options that help families bridge financial gaps without sacrificing safety or quality.

Rebuilding after fire takes strategy, not just strength.

Why So Many Are Under-Insured

Many policies were written years ago when building costs were far lower. Rapid inflation in labor, materials, and code compliance has left average homeowners underinsured by 20% to 50%. After the Hughes Fire, families discovered that payouts often fell short of the real costs of reconstruction. Joy Line Homes helps families maximize their coverage by offering rebuild packages that align with insurance budgets and meet new fire-zone safety standards.

How Modular Construction Closes the Gap

Joy Line’s modular homes are factory-built, allowing for better cost control and faster delivery. Fixed pricing eliminates surprise expenses, while parallel site and factory work reduces build time. Families can rebuild quality homes within limited budgets while gaining superior fire protection. This model is particularly helpful for under-insured homeowners seeking value and predictability.

Navigating Insurance Supplements and Support

Under-insured homeowners are not without options. Supplemental claims, state recovery programs, and FEMA assistance can provide additional funding. Joy Line Homes guides families through these resources while ensuring that every modular design meets WUI and county requirements. Our expertise turns complex recovery into a structured, achievable plan.

Transparency Builds Trust

At Joy Line Homes, transparency is central to every rebuild. Our pricing, materials, and timelines are clearly outlined before construction begins. This clarity helps homeowners plan ahead, avoid financial surprises, and rebuild confidently after devastating losses. Each modular home reflects our commitment to quality, safety, and fairness.

A Smarter Way Forward

Under-insurance doesn’t have to mean an impossible recovery. With modular construction, families affected by the Hughes Fire can rebuild affordably while meeting California’s evolving fire safety standards. Joy Line Homes turns financial limitations into opportunities to rebuild better—one modular home at a time.