CaliClaims Law
one call. that's all
Fire, smoke, water, storm, theft, and third-party losses across Southern California. If an insurer is delaying, underpaying, or denying a covered loss, start with a free claim review at (949) 996-7534.
Every claim type below has its own coverage questions and its own dedicated page. The free review is the same for all of them.
Structure and contents losses after a fire, from repair scope and like-kind materials to additional living expenses while you are displaced.
Read the fire claims page →Burst pipes, slab leaks, roof leaks, and appliance failures. Cause-of-loss and sudden-versus-gradual questions decide coverage here.
Read the water damage page →Smoke, soot, and ash losses, including homes the flames never reached. Cleaning-versus-replacement decisions are where these claims are won or lost.
Read the smoke & ash page →Wind, rain, and storm losses to roofs, structures, and interiors, including disputes over what the storm caused versus what the insurer calls wear.
Read the storm & wind page →Break-ins, stolen property, and vandalism claims, including contents documentation and valuation disputes.
Read the theft & vandalism page →Property damage caused by someone else's negligence or work: a neighbor's project, a contractor's mistake, a vehicle into a structure.
Read the third-party page →Primary residences and second homes, from single losses to total losses, including the living-expense claims that come with displacement.
Rental homes, multi-unit buildings, and investment properties, including loss-of-rents questions when a covered loss makes units unlivable.
Commercial property losses and the operational disruption that follows them, handled with the documentation these claims demand.
Most property claim disputes fall into one of three patterns. Each has its own playbook, and each can be challenged.
Get Your Free Claim ReviewA denial letter is a position, not a verdict. Coverage often turns on policy language and cause-of-loss questions that deserve a second read from your side of the table.
California claim regulations set timeframes for acknowledging, investigating, and deciding claims. Long silences and repeating document requests are patterns we recognize and push back on.
The first estimate is frequently a starting point, not a ceiling. Scope gaps, depreciation math, and cleaning-versus-replacement calls are where payments get rebuilt line by line.
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.
No. CaliClaims Law represents policyholders only. Our attorneys' prior experience on the insurer side informs how we prepare claims, but the firm's clients are property owners, exclusively.
Both. The firm represents homeowners, landlords, and business owners in first-party property claims and related third-party disputes.
Nothing. The review is free, and if we take your case, we work on contingency: no upfront fees, and we are only paid if there is a recovery.
Not necessarily. Accepting a payment does not always close the claim, and supplemental amounts may be available where damage was missed or undervalued. It is worth a review of the policy, the estimate, and anything you signed.
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.