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California Property & Casualty Claim Lawyers

Wrongfully Denied Property & Casualty Claims

As a property owner, you likely have some sort of insurance coverage titled “property and casualty” coverage. In summary, property and casualty insurance is an umbrella term for insurance that covers property, not people. When the structure of your home or business is damaged or your belongings within are stolen or broken, your property and casualty insurance should trigger to cover the repair and replacement costs up to your policy limit. The keyword being “should” since so many insurance companies try to make using property and casualty insurance coverage difficult.

Kantor & Kantor, LLP is an insurance dispute law firm that represents policyholders in all corners of California who have been neglected by their insurance providers and experienced the wrongful denial of their claims. If your property and casualty claim was wrongfully denied after a fire or flood severely damaged or destroyed your home or business, then we want to hear from you. Using our extensive legal experience, we can challenge your insurance provider on your behalf, taking them to court for trial if necessary.

Request a free case evaluation today by calling (877) 783-8686.

When to Use Property & Casualty Insurance

In California, fire season is one of the most common reasons why property and casualty insurance claims are filed in large numbers. When a fire sweeps through a town after a dry spell, it can cause widespread devastation, often destroying entire structures. California has special insurance rules regarding homes lost in a wildfire, as set by the Department of Insurance, too. If your home was damaged or destroyed in a wildfire in January 2018 or later, then you have three years to file your property and casualty insurance claim, rather than the usual two years.

Natural disasters can continue to threaten and destroy homes after a fire season in California as well. In many regions, when fires burn away the brush down to the soil, the remaining barren ground becomes unusually slick. The next time it rains heavily, the water is not trapped in the brush or ground, but instead washes away swiftly, creating an elevated risk of flashfloods. For this reason, flooding is another common reason why California homeowners use their property and casualty insurance coverage.

Some property and casualty insurance policies can even be used to cover property damages that you experience due to criminal activity. For example, if a stranger vandalized or burglarizes your home, then your property and casualty insurance might be used to pay for repairs or missing items.

Important Rules Regarding Property & Casualty Insurance

The average property and casualty insurance policy is usually more complex and convoluted with insurance industry jargon than most people expect. Understanding all of the nuances and what each clause says and means can be too much when you also have to deal with the loss of your home. Rather than going into those details yourself, it might be more useful to get a quick review of key concepts and rules of property and casualty insurance policies.

Here are a few things every property and casualty insurance policyholder in California should know:

  • Initial insurance company offers to rebuild your home will likely be much less than the actual cost to fund the project entirely.
  • Any upgrades to your home during rebuild projects are not covered in the policy.
  • You need to give a list of all your destroyed property to your insurance company. The more detailed the list, the better.
  • Insurance companies offer “actual cash value” to reimburse you for destroyed possessions, like clothing, furniture, appliances, etc. This amount will reflect an item’s depreciated value, which will likely be much less than its actual or original value.
  • If you never replace a destroyed item or possession, then you will not receive any reimbursement for its value, so it is important to replace as much as you can.
  • Your insurance company might be responsible for locating and paying for temporary housing within your hometown while your house is rebuilt.

Why Do Insurers Deny Property & Casualty Claims?

Many homeowners who want to use their property and casualty insurance coverage do so after a devastating natural disaster entirely – or almost-entirely – destroys their home. By filing an insurance claim for this type of coverage, there is sure to be a large amount of damages requested. Insurance companies do not like paying policyholders, especially when it comes to significant sums.

Your insurance provider may deny your claim by overlooking the damage to your property and trying to downplay its severity. Or they may try to say that you were negligent in the upkeep of your property, which made it more vulnerable to a wildfire or flood. For example, if there was dry brush immediately adjacent to your property before a blaze, then your insurance company may try to spin that information into a case against you.

Don’t Fight Alone – Get Our Help

Insurance companies have teams of defense attorneys who are hired solely to save the company money by defending their claim denials in and out of court. You should not try to take such opposition on without the guidance or representation of an experienced insurance bad faith lawyer. This is where Kantor & Kantor, LLP can step in and take over. Our California property and casualty insurance claim attorneys know the common tricks and tactics of insurance companies who wrongfully deny claims, giving you confidence and insight at each step along the way.

Seek justice and compensation with us. Call (877) 783-8686 at any time.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • You have restored my faith in the goodness of people!

    “Thank you Glenn for accepting my case. I had all but given up on finding an attorney that was willing to take this case, and although you may not remember, I enclosed a note to you when I sent my [ins. co.] file asking you to please help me. You did that sir, and I can't thank you enough. My thanks to you Corinne for pursuing my case with vigor. I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is so much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions. My sincerest thanks and best wishes for you both You have restored my faith in the goodness of people!”

    Dick H.

  • I've already mentioned your firm to my family and friends and how wonderful you have been treating me.

    “I've already mentioned your firm to my family and friends and how wonderful you have been treating me. Hopefully I will not ever have the need to refer someone to you because that would mean they would be in a similar situation as myself. But, if that were to ever happen, I would absolutely refer them to your company.”

    Linda P.

  • We will never forget the good you have done and may you continue to earn gold stars.

    “More than your skilled expertise, uncompromising professionalism and breadth of experience, we have been immensely impressed with the sincerity, generosity and integrity with which you conducted our affairs, acted on our behalf and guided us through the sometimes confusing process. Throughout, we developed a great respect for all of you and it is our wish that both collectively and individually, you experience continued professional success and personal gratification in all that you pursue. We will never forget the good you have done and may you continue to earn gold stars.”

    Lalida C.

  • I am a life you have touched. May God bless you richly.

    “After suffering with constant pain for nearly seven months, losing the job I loved and then being denied my long term disability, I was extremely discouraged when I began looking for help. With a few phone calls from Mr. Kantor to my insurance company, my long term disability was reinstated . The financial burden was lifted and I have hope again. I am a life you have touched. May God bless you richly.”

    Susan H.

  • Thank God for Kantor & Kantor.

    “Thank God for Kantor & Kantor and Denise Anderson. I appreciate everything you do!”

    Stephen Schaffer