When It’s Not Your Insurance Company at Fault, We Go After Theirs.

HOAs, contractors, and vendors carry insurance for a reason. If their negligence damages your property, we hold them accountable — at no cost to you unless we win.

No upfront fees. We only get paid when you do.

Claim Types

Game-Changing

In won cases for our clients.

$ 50 + Million

Not every property damage case is limited to your own insurance policy. Sometimes the responsible party is your homeowners’ association, a contractor, or even a vendor whose negligence caused the damage. When this happens, their insurance is on the hook — but getting them to pay often requires legal action.

At CaliClaims Law, we pursue third-party insurance carriers with the same focus and determination that we bring to first-party claims. Whether an HOA failed to maintain common areas, a contractor caused damage during work, or a vendor’s product malfunctioned, we step in to protect your rights and maximize your recovery.

Examples of Third-Party Claims We Handle

HOA Negligence

If an HOA fails to repair roofs, plumbing, or other common areas and your unit suffers damage, their insurance may be responsible.

Contractor Damage

Poor workmanship or negligence during repairs or remodeling can cause significant property loss. We hold their liability carriers accountable.

Vendor/Appliance Failures

When an installation or product defect causes water, fire, or other damage, the vendor’s insurance may owe for your losses.

Neighbor-Related Claims

Damage from adjoining units (like leaking HVAC systems or plumbing) can be pursued against their liability insurance.

Why Choose CaliClaims Law for Third-Party Claims

Experience on Both Sides. We know how insurance companies evaluate and deny these cases because we’ve represented them before.
Specialized Focus. Property damage is all we do — and third-party claims are a growing part of our practice.
No Upfront Fees. We work on contingency, so you pay nothing unless we recover for you.
We Don’t Stop at Your Policy. If another party’s insurance is responsible, we take them on too.

FAQ

What if my HOA says it’s not their problem?

Many HOAs try to push responsibility back onto owners. We review the governing documents and their insurance coverage to pursue the right party.

Can I sue a contractor directly?

Yes, but most cases involve their liability insurance which is why having a law firm experienced in insurance disputes is critical.

Will this affect my own insurance?

Not necessarily. Third-party claims are separate, but sometimes your policy can provide interim coverage while we pursue the responsible party.

Hold HOAs, Contractors, and Vendors Accountable Today

Don’t let negligence leave you paying out of pocket. We only get paid when you do.