If you’re dealing with a home insurance claim in California and you feel like the insurance company lowballed you, you’re not alone. Every week, we speak with homeowners who were offered a fraction of what it actually costs to repair their home even when their policy should cover more.
So, do you need a lawyer to fight back? Here’s what to consider.
1. Insurance companies don’t always play fair.
Carriers know most homeowners don’t read their policy word for word. So when they deny full paint coverage, withhold overhead and profit, or say something “isn’t covered,” you might assume they’re right.
In many cases — they’re not.
2. A public adjuster can help… up to a point.
Public adjusters (PAs) are great advocates and know how to prepare detailed estimates. But once the insurance company stops responding or refuses to budge, a PA can’t force payment. That’s where legal intervention can change the game.
3. A property insurance attorney brings leverage.
When we get involved, the tone changes. We bring legal authority, California Insurance Code knowledge, and the ability to escalate the matter toward appraisal or litigation. We often recover 2-5x more than the initial offer.
4. We work on contingency.
At CaliClaims Law, LLP, we don’t get paid unless we recover for you. That means no out-of-pocket fees and no hourly billing. Just results.
Final Thoughts
If you’re staring at a check that barely scratches the surface of your repair costs, it’s worth having a legal team review your claim. You paid your premiums now it’s time to make sure the insurance company pays what it owes.