Every year at the Oscars, attendees leave with gift bags so elaborate they have to be reported as income to the IRS. Luxury skincare, personal training sessions, designer apples that never brown, and extravagant trips are standard issue. But in 2025, Academy Award guests also received a grimmer gift: a yearlong subscription to a white-glove disaster recovery service called Bright Harbor, which has grown popular in the wake of the wildfires that devastated Los Angeles last January. If your house is destroyed in a fire or flood, the basic logistics of righting your upturned life understandably consume your full attention, even if you’re a movie star. Under this level of stress, navigating the Federal Emergency Management Agency’s byzantine requirements for recovery assistance quickly becomes “a full-time job,” according to Bright Harbor’s chief growth officer, Emily Bush. “We help you understand what your options are and what’s the cost associated with each option that you take.” Do you stay and rebuild? Does it make more sense to just move? Bright Harbor helps clients freeze their mortgage payments, apply for FEMA aid, navigate seemingly endless paperwork, and secure low-interest small business loans. Bush acknowledged that the company’s luxury services, which can significantly ease the financial burden of disasters, do not come at a cost that all victims can afford to front. (Services started at $300 per month for individuals when the company launched in 2024, but Bright Harbor now sells directly to companies — who purchase coverage for their employees.) “To be…
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