Insurance Claims - Firestorm Lawyers

The Insurance Claim Process:

Handling an insurance claim after a wildfire requires diligence and persistence. Here are the essential steps:

Notify Your Insurance Company
- Promptly report the loss to your insurance provider.
  - Describe the extent of damage to your property and provide photos or videos to document the loss.
  - Review your policy to understand the coverages, limits, and exclusions.
- Keep a record of all communications, including the claim number and the adjuster’s contact information.
Document the Damage
- As mentioned, take photographs and videos of the damage to your home, property, and belongings.
- Create an inventory of destroyed or damaged items, including their approximate value and purchase dates.
  - This includes furniture, appliances, electronics, clothing, jewelry, personal items, and other belongings lost or damaged. Important documents and irreplaceable keepsakes may also need to be included. We promise to guide you in reconstructing this list to maximize your claim’s value.
Understand Your Policy:
- Review your insurance policy to determine coverage limits and exclusions. Policies often cover structures, personal property, additional living expenses, and debris removal.
- A law firm should review your insurance policy from the beginning of the adjusting and rebuilding process to help you fully understand the document. Most people make the payment for the policy and stick it in a drawer, but now is the time to review it carefully.
Cooperate with Adjusters
- Meet with the insurance adjuster to assess the damage.
- Provide requested documentation, but be cautious when signing any documents or agreeing to settlements without fully understanding the terms.’
Evaluate the Settlement Offer
- Compare the insurance company’s offer with your actual losses.
- If the offer is insufficient, you have the right to challenge it.

No insurance? Not enough Coverage?

There may still be ways we can help!

If you have lost your home or business in the devastating 2025 Southern California wildfires, we understand the pain and uncertainty you are facing. The destruction caused by these fires has left countless homeowners and business owners struggling to figure out how to move forward, especially those who were underinsured or had no insurance at all.

Even if your insurance coverage falls short or you had no policy in place, there is still hope. Preliminary investigations indicate that the Eaton Fire, one of the most destructive blazes, was caused by a downed power line. This means you may be eligible for compensation through a legal principle known as inverse condemnation—a process that holds utility companies responsible when their equipment causes property damage. This could provide you with the financial resources needed to begin rebuilding your life.

We commit to thoroughly analyze your situation to determine if you qualify for compensation. Our team will handle every step of the legal process so you can focus on recovery. Your needs come first, you pay nothing unless we secure money for your losses. You have already been through so much. Let us fight to get you the compensation you deserve. Contact us today for a free consultation and take the first step toward rebuilding.

Coverage Areas to Address

Structure Rebuilding
- Ensure the insurance payout reflects current construction costs and complies with building codes.
- Verify if your policy includes extended or guaranteed replacement cost coverage.
Returning Home After the Wildfires: The Dangers of Soot, Smoke, and Ash
- For those returning to their homes, businesses, and properties after the historic 2025 Southern California wildfires, the sight of soot, smoke damage, and layers of ash can be overwhelming. These remnants of the fire are more than just unsightly—they pose serious health risks. Wildfire ash contains carcinogenic particles that can infiltrate your home’s interior, affecting the air you breathe and the surfaces you touch. Proper cleaning and decontamination are essential to making your home safe again.
  
  The Law Offices of Marc Rosenberg has helped thousands of homeowners and business owners secure the financial compensation they deserve to clean and restore their properties. While you can attempt this process on your own, it can be complex, time-consuming, and difficult to navigate without expert
- How We Can Help
  - We will thoroughly analyze your situation to determine if you qualify for compensation. Our team will handle every step of the legal process so you can focus on recovery.
  - To us, your recovery and priorities come first. You pay nothing unless we secure money for your losses. You have already been through so much. Let us fight for you to get the compensation you deserve.
Business Interruption, Loss of Rental Income, and Loss of Use
- In addition to property damage, many business owners and landlords have suffered significant financial losses due to wildfires. If you have experienced business interruption, loss of rental income, or loss of use, you may be entitled to compensation for your lost income. Firestorm Lawyers has extensive experience handling these claims and can assist in preparing the necessary documentation to secure the compensation you deserve.
  
  These matters require specialized expertise, and our team, with over 75 years of combined experience, knows how to effectively process and handle these claims. Let us guide you through this complex process to ensure you receive the maximum compensation available.
- How We Can Help
  - We will thoroughly analyze your situation to determine if you qualify for compensation. Our team will handle every step of the legal process so you can focus on recovery.
  - We have specialists in business interruption and loss of rental income claims, ensuring you get every dollar you are entitled to. You pay nothing unless we secure money for your losses.
Personal Property
- Replacement cost policies typically cover the cost of new items, while actual cash value policies account for depreciation.
- Work with your adjuster to determine the accurate value of your lost belongings.
Additional Living Expenses (ALE)
- This covers temporary housing, meals, and other necessary expenses while your home is uninhabitable.
- Keep all receipts and records for reimbursement.
Debris Removal
- Verify whether your policy covers the costs associated with clearing debris from your property.
Once your claim is resolved, we connect you with reputable contractors and resources to help you rebuild your home and restore your life.

Rebuilding Los Angeles Together

The fires have left a mark on our city, but together, we can rebuild stronger. At the Law Offices of Marc C. Rosenberg, we believe in standing by our clients during their time of need. With our guidance, you can focus on healing and moving forward, knowing that your claim is in trusted hands. If you or your family have been impacted by the Los Angeles fires, contact us today. Let us help you secure the resources you need to rebuild your home and your life.

We understand how difficult of a time this is for you, your families, and your businesses. If you would like the law offices of Marc C Rosenberg to help you rebuild what has been lost, please fill out our contact form below and we will get to you as soon as possible. Above all, stay safe during these historically unprecedented times.

Legal information may change over time.