Fire & Flood Damage Claims in California
Fighting to Get the Relief You Need
As a California homeowner, you take the necessary steps to protect yourself in the event of a natural disaster or unexpected event by purchasing fire and flood insurance. If your home was damaged or destroyed, you have a reasonable right to expect your insurance provider to pay out your claim according to your policy.
However, millions of fire and flood claims are denied every year, leaving homeowners wondering how they will be able to pick up the pieces and move forward with their lives.
Get Your Claim Paid!
At Kantor & Kantor, LLP, we help Southern California homeowners take on major insurance companies and fight to have their fire and flood damage claims paid. If your claim has been disputed or denied, our California fire and flood damage claim attorneys can help you take the necessary steps to fight back.
We have a long, proven track record of success and are ready to put our powerful reputation and years of experience on your side. There are absolutely no fees whatsoever unless we are successful in getting your claim paid.
Every year, thousands of California homeowners are affected by:
- And accidental home fires
While homeowners’ insurance generally covers fire damage, it may not cover damage caused by wildfires in highly susceptible areas; it also does not cover damage caused by intentional fires or fires started by the homeowner.
It’s important to check and understand your specific policy to determine whether you are covered in the event of a wildfire and, if you aren’t, you may want to consider adding additional wildfire coverage to your policy in order to protect yourself and your home.
Fire Damage Coverage You Can Receive
Depending on the exact language of your policy, you could be covered for the following losses:
- Damage to your dwelling and other structures
- Rebuilding and repair costs, including costs of construction and labor (in some cases)
- Extended replacement cost coverage (if you have such an endorsement)
- Guaranteed replacement cost coverage (again, if you have an endorsement)
- Personal property reimbursement, including furniture and apparel
- Loss of use, if your home is uninhabitable as a result of the fire
Let Us Help With Claim Delays
Unfortunately, insurance providers do not always honor their insureds’ policies. Even if you are covered for the type of fire damage your home has sustained, you could have a difficult time actually recovering the compensation to which you are entitled under your homeowners’ or wildfire insurance policy. In fact, California insurance providers have a long history of denying these types of claims, as it is in their best interests to avoid payouts.
If you are having issues getting your California fire damage claim paid, or if your claim has already been denied, turn to the fire damage claim attorneys at Kantor & Kantor, LLP. We can help you through the entire process, including filing your initial claim, drafting an appeal, and, if necessary, taking on your insurance provider at trial.
In California, homeowners’ insurance does not cover damage caused by flooding, though it sometimes covers other types of water damage. Generally speaking, in order to protect yourself and your property in the event of a flood, you must have additional flood insurance. You may even be required to purchase such coverage by your mortgage lender, depending on where you live and other factors.
Flood insurance provides protection for a range of flood-related damage, including:
- River overflows
- Tidal and inland water overflows
- Mudflow over typically dry regions
- Levee breaks
- Storm-related flooding
- Flash floods
It’s important to note that flood insurance doesn’t usually cover earth movement, such as landslides or sinkholes, even when such events are caused by flooding. For this type of damage, you may be covered by your homeowners’ insurance or you may need to purchase additional coverage.
It’s important to understand the exact language of your policy in order to understand what types of flood- and water-related damage you are covered for. If you need assistance filing a claim—or if your claim has been denied—turn to our California flood damage claim attorneys for immediate assistance.