CaliClaims Law
one call. that's all
CaliClaims Law represents policyholders only, in denied, delayed, and underpaid property insurance claims across Southern California. Fire, smoke and ash, water, storm and wind, theft and vandalism, and third-party losses.
Each claim type has its own coverage questions, its own documentation fights, and its own page. Start with yours.
Structure and contents losses after a fire, from repair scope and like-kind materials to the additional living expenses that run while the property cannot be occupied.
→Burst pipes, slab leaks, roof leaks, and appliance failures, where coverage frequently turns on whether the insurer calls the damage sudden or gradual.
→Smoke, soot, and ash losses, including homes the flames never reached, where cleaning-versus-replacement decisions drive most of the claim's value.
→Wind, rain, and storm losses to roofs, structures, and interiors, including disputes over what the storm caused and what the insurer calls wear and tear.
→Break-ins, stolen property, and vandalism claims, where per-category sublimits and proof-of-ownership demands often decide what actually gets paid.
→Property damage caused by someone else's negligence or work, pursued against the responsible party alongside the claim under your own policy.
→Not injury cases. Not everything under the sun. When a firm does one thing, every file gets the benefit of everything the firm has learned.
More About the FirmOur attorneys have seen claims from both sides of the table. We know how insurers evaluate, delay, and discount claims, and how to respond.
Send the denial letter, the estimate, or just the story. We review your policy and your claim at no cost and tell you where you stand.
No upfront fees. We only get paid when you do, so our incentive is your recovery, not your retainer.
Call or send your claim details. Same business day response.
We read your policy, the insurer's position, and the gap between them.
Communications, documentation, and negotiation move to our desk, not yours.
You pay nothing up front. We only get paid when you do.
“My insurance company tried to deny my claim for water damage, but CaliClaims Law fought hard and got me the settlement I deserved. Eden and Nicole were fierce advocates and I'm so grateful for their help!”
Jennifer K.“Excellent communication! The team at CaliClaims was excellent at communicating with me throughout the entire process. They kept me informed and answered all of my questions in a timely manner.”
Anastasia S.“Nicole Houman has a wealth of experience in property insurance law. She was able to quickly identify the issues with my claim and develop a strategy to maximize my recovery.”
Daniella B.These testimonials do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. Results vary by case.
Property insurance claims and disputes only: fire, smoke and ash, water, storm and wind, theft and vandalism, and third-party property damage. If an insurance company is delaying, underpaying, or denying your claim, that is the work we do.
Policies are dense documents full of defined terms, conditions, and exclusions, and the claim process runs on documentation and deadlines. An attorney who reads these policies every day can identify coverage you may not know you have, respond to the insurer's positions in the insurer's own language, and take the negotiation off your shoulders.
Three things. We handle property insurance claims exclusively, so every file benefits from everything the firm has learned. Our attorneys have seen claims from both sides of the table, so we recognize how insurers evaluate and discount claims. And we keep you informed at every step, because a claim is stressful enough without silence from your own lawyer.
A denial letter is the insurer's position, not the final word. Many denials turn on policy language, cause-of-loss questions, or documentation gaps that can be challenged. We review the policy and the denial at no cost and tell you honestly whether the decision is worth fighting.
Nothing up front. We work on a contingency fee basis: the claim review is free, and we are only paid if there is a recovery in your case.
It varies with the complexity of the loss and how the insurance company responds. Some claims resolve in weeks; disputed claims can take months. We push for timely decisions at every stage and keep you updated as the claim moves.
Our attorneys have handled disputes involving many of the major and regional carriers writing property coverage in California, including State Farm, Allstate, Farmers, AAA, Mercury, Travelers, CSAA, Nationwide, Liberty Mutual, Bamboo, Hanover, Safeco, Chubb, The Hartford, USAA, Progressive, and Amica.
Experience with a carrier's claim practices helps us anticipate how a dispute is likely to unfold and prepare your claim accordingly.
Denied, delayed, or underpaid, the first step is the same: a free review of your policy and your claim. We respond the same business day.