Allow our team at LA Century Law to govern the difficult terrain with insurance companies that attempt to devalue your property damage claim. At LA Century Law, the first step is a free consultation where we evaluate the specifics of your case.
Our attorneys will listen to your situation and thoroughly assess the fire and smoke damage to your property. We’ll review your insurance policy, help identify any exclusions or coverage gaps and determine if you have a valid claim.
What we look for:
- The cause of the fire or smoke damage (e.g., wildfires, electrical faults, faulty appliances) can impact everything to your quality of life to the loss of cherished belongings. At LA Century Law let us review the following to assist you in making a claim against your insurance company. We need the following documents to assist with our evaluation.
- The extent of the damage to your property and belongings.
- Whether the damage is covered by your insurance policy.
- Itemization of damaged items.
Investigation and Documentation of Damages
Our team conducts a comprehensive investigation to gather evidence and fully document the damages. This step is crucial in ensuring your claim is well-supported, and it includes:
- Hiring expert assessors to evaluate the property damage.
- Photographic and video documentation of the damage.
- Inventory of personal belongings and business equipment lost or destroyed.
- Collection of repair estimates and temporary housing or business interruption costs, if applicable.
This thorough documentation strengthens your case and helps prove the extent of your losses to the insurance company.
Filing the Insurance Claim
We will file your claim with the insurance company, carefully reviewing your policy’s terms and ensuring that all documentation is submitted accurately. We will take all steps to assure you are made whole for your loss. At this stage, LA Century Law will handle all communications with the insurance adjusters and agents on your behalf, ensuring that no detail is overlooked.
What we handle for you:
- Prepare and submit the claim package.
- Respond to insurance company requests for additional information.
- Ensure that the insurance company processes your claim fairly and promptly.
Negotiation with the Insurance Company
In many cases, insurance companies may try to undervalue or deny your claim. The insurance company does not have your best interest at heart and will take every action to discount your loss.
LA Century Law has a track record of effectively negotiating with insurers to secure the maximum compensation for your fire or smoke damage.
Filing a Lawsuit (If Necessary)
Insurance companies have what is referred to as a first party relationship with their insurance. This means the insurance code places duties on them to treat you as one of their own. Unfortunately, insurance companies fall short in this regard which can support a lawsuit against them which in certain instances can contain punitive damages. Punitive damages are intended to punish the other side for wrongful behavior.
If the insurance company refuses to offer a fair settlement or delays processing your claim, LA Century Law will not hesitate to take legal action. We have extensive experience handling complex property damage lawsuits and are prepared to take your case to court if necessary. Our goal is always to secure the best possible outcome for you.
So what happens if you are forced to file a lawsuit? The following steps will need to occur once the lawsuit is filed in the Superior Court:
- Filing a lawsuit against the insurance company.
- Discovery, depositions, and expert witness testimonies.
- Trial preparation and representation if the case goes to court.
Settlement or Court Award
After negotiation or litigation (lawsuit), the final step is securing a settlement or court-awarded compensation. If a settlement is reached, we ensure that it fully compensates you for all your fire and smoke-related losses, including property damage, personal belongings, temporary living expenses, and more. If the insurance company continues to discount your case, our team of experienced trial attorneys will take them to court and try your case to obtain a judgment for your loss.
What compensation covers:
- Structural damage to your property (homes, commercial buildings).
- Personal property loss, including furniture, electronics, and valuables.
- Business interruptions for commercial property owners.
- Additional living expenses such as temporary housing costs.
All of the above will depend on your coverage under the insurance policy.
Why Choose LA Century Law for Your Property Damage Claim?
- Expert Legal Team: Our attorneys specialize in property damage claims and have successfully represented clients throughout California and Texas.
- Comprehensive Approach: From investigation to trial, we handle every aspect of your claim to ensure the best outcome.
- Statewide Representation: With offices across California and Texas, we provide personalized, local service wherever you are.
- No Fees Unless We Win: We work on a contingency fee basis, meaning you pay nothing unless we successfully recover compensation for you.
Get Started Today
If you have experienced fire or smoke damage, wait no longer. Contact LA Century Law today and schedule your free consultation so that we can help you recover from the damage and rebuild your life.
Call us now for a free consultation 310-893-0553 or fill out our online form to get started.
