Following the fires, you probably have a lot of questions, and you aren’t getting a lot of answers. So the first thing that we can do is come out and help you assess: Are you covered? How do we establish coverage? Are you covered for all your damages? Not just your structures, but your crops and your losses. All of the things that you should have insurance coverage for and that they should be paying for.
Some people think “Well, you know, I don’t want to call a lawyer until the very end, until the very last minute.” That’s actually the worst advice. We can make sure that you do not fall into any of the insurance companies’ traps or tricks that they use to justify not paying the right amount.
If insurance companies were doing the right thing, and they don’t, you wouldn’t need us. What the studies shows is most claims are wrongfully denied or diminished, where they try not to pay full value.
90% of individuals and business, after they spend months and years, will just give up. Will just take the last best offer because they don’t want to deal with it anymore. I understand that because I have seen it for the past 10 years. We’ve had cases where we are literally at the property doing the things that need to be done to document the losses so that when the insurance company says “We’re not paying for this, or we’re not paying for that.” We can say, “Yes, you are.” because we have taken the steps necessary to make it so that your claim gets paid the just and full amount.