Fire Insurance Claim Help

If your California fire insurance company has refused to pay the entire cost to rebuild or repair your home, the San Diego law office of Stennett Casino may be able to help you. We represent only insurance policyholders and injury victims, and we have successfully obtained the entire cost of reconstructing a home when the dollar limits of the insurance coverage were disputed. We may be able to help you with your fire damage claim against:

Fire insurance claims for the cost to repair or rebuild a home must be paid to the extent of the homeowners' insurance coverage. If the homeowners bought replacement coverage, after a fire they may find that their insurance company refuses to pay any reconstruction costs above a certain amount. An experienced claims attorney will look at the policy, the facts, and the applicable law to independently evaluate how much the company must pay.

If the homeowners bought "full replacement coverage" and the company later limited that coverage to a certain percentage of the insured value, the reduction is not valid unless the insurance company gave the homeowners "clear and conspicuous notice" that it was reducing coverage. The same may be true when the homeowners have relied on the insurance company agent to determine how much insurance should be purchased in order for the homeowners to have full replacement coverage.

If the dispute cannot be settled, a Superior Court trial must be held to decide whether the policy, the relevant facts, and the law require the insurance company to pay the entire cost to repair or reconstruct the home.

When you retain Stennett Casino for a fire insurance claim, we will: