When you have property insurance, you should be able to count on full and fair payments for losses in exchange for your payments to the insurance company. If your insurer fails to pay you fairly and promptly for covered damages, you have options. When you work with a Riverside property insurance claims lawyer, you can fight to ensure that your insurance company operates fairly and gives you the settlement you are owed.
Purchasing property insurance means entering into a contract, and you can take action if the insurance company doesn’t hold up its end of that contract. Shaver Legal, APC, can give you reliable legal support. We offer free consultations so that you know the viability of your case upfront.
Our firm is familiar with the underhanded tactics insurers use to delay, deny, or undervalue property claims made by homeowners and businesses. A company may apply the policy wording incorrectly, ignore documentation you sent, or fail to comply with the state’s insurance laws. We understand how to address these tactics, gather the necessary evidence, and make a case for what you are owed. You can rely on our experience and persistence when dealing with insurers.
Disasters can leave you with huge financial losses. When insurance companies fail to act in good faith, an attorney can help you take legal action as your last line of defense against insurance companies trying to undermine you.
Property insurance is meant to provide straightforward coverage to replace or repair specific assets when covered damage occurs. What those assets are depends on the scope of your coverage and the types of property insurance you have. We can help you with residential or commercial property insurance issues for property like:
The median sales price of homes in Riverside was $675,000 in 2024, and homes are often the biggest investment people make. This is why homeowners get property insurance to protect their home and their investment. In 2023, there were nearly 876,600 residential property insurance policies for fire and earthquake damage.
There are many types of natural disasters and hazards that can lead to serious property damage and financial loss for homeowners and business owners.
The Airport fire in 2024 was one of the most recent natural disasters affecting Riverside County, causing more than a dozen injuries, damaging 34 structures, and destroying 160 structures. Tropical Storm Hilary, Tropical Storm Kay, and fires in 2022, 2019, and 2018 are some of the most recent stages of emergency hazards that have affected property owners.
There are many reasons for damage to property, including:
Insurance companies in California and Riverside are required to follow several requirements for property insurance, including:
Insurance companies may be undermining your claim or acting in bad faith in some of the following ways:
When these breaches occur, you need legal representation.
Yes, you should hire a property insurance claims lawyer for a home insurance claim if you believe an insurance company is operating in bad faith and has wrongfully denied a claim or cancelled your policy. An attorney is especially useful if the claim is for high-value damage. You are able to fight against an insurance company and could recover the compensation you are owed. An attorney makes this process easier on you and can increase your chances of success.
The cost of a property insurance claims lawyer depends on many factors. Some insurance claims lawyers charge a contingency fee, while others may charge an hourly rate. A contingency fee is a percentage of the final settlement you secure. Attorney’s fees are also dependent on an attorney’s experience in the field, whether your case goes to trial or is settled before court, and the firm’s location. Always discuss fees with a potential attorney prior to hiring them.
There are several steps you can take if a property insurance claim is denied. You can request a review by the company and/or its claims manager if you believe the decision was incorrect based on what is covered in your policy. You can also reach out to the California Department of Insurance Consumer Communications Bureau to have them review the case. You are also able to consult an attorney, who can deal with the insurance company for you.
If your property insurance company operates in bad faith, you have the right to file a civil claim in court against the company in California. It’s crucial to consult with a knowledgeable property insurance attorney to assess if your dispute gives you the ability to file against an insurer. Examples of bad faith include failing to pay a claim promptly, failing to pay in full, or failing to communicate about the claim.
Property insurance is meant to protect your peace of mind. A denied or insufficient claim can leave you with thousands of dollars of damages unpaid. When insurance companies do not protect your interests, reach out to Shaver Legal, APC, and let us protect your financial future.
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