"People moved out early and were were better prepared."
Mandatory evacuations are covered by homeowners policies. That means if you were forced to evacuate, your homeowners has to cover temporary hotel/motel stays if you had to leave on the order of a police or fire agency. Get on the horn and call your homeowners insurance ASAP.
DAC- Disaster Assistance Centers are being set up in San Diego with reps from FEMA, The Red Cross, Insurance Company representatives, etc.
Tips for future fires:
This isn't the end of fire season. Policies should be bought to cover rebuilding. Inventory everything you have as best you can, with video if you can.