Common Insurance Claim Issues
Insurance does not cover all losses for three main reasons:
- Most people are underinsured.
- Property items are depreciated by the insurance company so that the payout won’t replace the lost items. All too often, insurance adjusters try their best to make sure that you are not paid. They are employees of the insurance company, so their interest and loyalty lie with the insurer rather than with you. Many claimants have been disappointed when the time came to file a claim because when they really needed the compensation, their insurance company used aggressive tactics to deny them the claim or minimize it as much as possible. In situations like this, you need an experienced property damage lawyer.
- Many categories of damages are outside the purview of insurance coverage completely (like emotional damages, erosion, or lost income) or mostly (like landscaping and trees).
We DO NOT take a percentage of your recovery from insurance. We will help you with your insurance claims without taking any portion of your insurance recovery. We have retired insurance adjusters on our staff who are available to answer any questions you have about your insurance claim and the claim process. We are dedicated to assisting our clients with insurance issues to ensure they maximize their recovery through their insurer and receive the full benefits of their policy.
California Insurance Cancellation Ban
Depending on where you live the State of California has announced a temporary ban on insurance companies dropping coverage for homeowners in high-risk wildfire areas. Learn more about the fire insurance cancellation ban.
Bad Faith Insurance Claims
This happens when your insurance company commits wrongful acts. The adjuster dismisses your proof of loss, even when you supply the required information and include documentation needed. This is considered bad faith because they are overlooking your needs despite the fact that you qualify for compensation. They can opt to give you a low settlement or deny you coverage without providing a legitimate reason.
What if I don’t have fire insurance?
We have helped many homeowners and renters who did not have insurance at the time of the fire. If the fire was caused by someone’s negligent, careless, or deliberate behavior, then you are entitled to compensation whether or not you had insurance.