CaliClaims Law
one call. that's all
Sometimes the damage to your property is someone else's fault: a neighbor's construction project, a contractor's mistake, a vehicle into a storefront, a tree that should have come down years ago. Those losses can be pursued against the responsible party — often alongside your own policy. CaliClaims Law handles both lanes for Southern California property owners. For a free review, call (949) 996-7534.
A third-party claim seeks recovery from the person or business responsible for the damage — typically through their liability insurance. Common scenarios:
Two lanes, one loss. Your own policy often pays first and faster, while the third-party claim pursues the responsible party — and a successful recovery can include amounts your policy never covered, including your deductible. Running the lanes together, deliberately, is the point of having counsel on both.
We treat the loss as one case with two sources of recovery. On the first-party side, your policy is pushed to perform on its own terms. On the third-party side, we establish responsibility with evidence, present the claim to the liability carrier, and negotiate from a documented scope rather than their walkthrough.
Where the carriers point at each other, we keep both files moving. Where negotiation stalls, we litigate when appropriate. You deal with us, not with the adjusters, and you pay nothing unless there is a recovery.
Submitting a request does not create an attorney-client relationship, and information sent is not protected by attorney-client privilege until a representation agreement is signed.
Potentially several parties: the contractor's liability insurance, the neighbor's, and your own policy as the fast lane while responsibility is sorted out. Which combination applies depends on the facts and the policies — mapping that is the first step of the review.
Not necessarily. When your insurer recovers from the responsible party, your deductible can come back with it, and a direct third-party claim can pursue amounts your policy never covered. Payment from your own insurer is a floor, not a ceiling.
Be careful. The liability carrier represents the party that caused your loss, and statements to them are gathered for their file, not yours. You are generally not obligated to give them a recorded statement, and once we are involved, those calls come to us.
Usually these claims resolve with insurance companies, not neighbors, and most settle without a lawsuit. Where litigation becomes appropriate, it is a decision made together, with the numbers and the relationships both on the table.
Nothing. The review is free, and if we take the case we work on contingency: no upfront fees, and we are only paid if there is a recovery.
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.