In the aftermath of the January 2025 wildfires that devastated Pacific Palisades, thousands of families are facing a critical decision: should you sell your damaged lot as-is, rebuild and own, or rebuild and sell later for a higher return? While selling your lot may seem like the fastest and simplest route, there’s a big financial catch. Investors typically offer far less than a property’s full potential value, often paying 55–80% below what a rebuilt home could sell for. That could mean leaving over $1 million on the table.

Rebuilding and reselling, on the other hand, opens the door to significant financial upside. New homes in the Palisades can sell for $6–8 million, especially when rebuilt to modern standards with more square footage. While the process does involve some complexity—permits, insurance, construction, and time—it also offers homeowners a chance to recoup far more value. Even after costs, many homeowners stand to gain $1–3 million more than if they’d simply sold the lot.

The key is having the right support. Professionals like architects, general contractors, and real estate brokers can guide each step, and working with a developer or owner’s representative can take much of the burden off your shoulders. There are also financing options available, including insurance payouts, construction loans, or partnerships with experienced developers who manage the entire process and share profits with you.

In short, rebuilding may seem daunting, but with expert help, it’s a path that will restore the beauty of the palisades and your own, or lead to the highest return—and a stronger recovery for the community.