California homeowners are no strangers to the damage that can be done to a home by fire. But many wonder what their insurance policy will cover if their home suffers fire damage.
The typical homeowner’s insurance policy will cover most losses from fire damage, unless the fire was intentionally set by the homeowners. That is good news for California homeowners, where wildfires can start and spread explosively in the wind.
For those who have never been affected by a California wildfire, it can be easy to live in denial that a natural disaster will strike. But it makes sense for homeowners in any area of the country to be aware of the natural dangers that are likely in their areas, and make sure they have the insurance coverage they need to protect their homes and their families’ financial well-being.
In California, people should buy a policy that covers the full value of rebuilding their home, and make sure that it covers the replacement value of personal belongings as well. Professionals advise keeping your policy up to date by videotaping the belongings inside your home at least once a year, and keeping the tape in a bank vault far away from your home.
If you do have the right insurance and your insurance company still denies your claim, you need help to defend your rights. As a litigation firm with a national reputation for aggressively litigating and consistently winning complex multi-million dollar cases, Callahan & Blain has developed an expertise in going after the insurance companies – and making them pay.
When an insurance company tried to deny our client insurance coverage after the Northridge earthquakes, our attorneys were able to obtain $800,000 in coverage so she could rebuild her life.
If your insurance claim has been denied, contact the lawyers of Callahan& Blaine for expert legal assistance.
