Most online calculators assume a generic burn severity and a straightforward recovery timeline. In real burn claims—especially those involving scarring on visible areas, hand/arm function, or breathing issues after smoke exposure—the value often hinges on details a generic tool can’t see.
In California, insurers also evaluate claims using their internal standards and the documentation your medical providers create. If your records don’t clearly connect the incident to treatment decisions or complications, settlement offers can come in lower.
Instead of chasing a single number, think in terms of building a damages package that matches what happened to you.


