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Fire Insurance Claims

Thousands of people have been affected by the California fires and must face the stressful task of putting their lives back together. Having an experienced fire insurance attorney with you as you prepare your claim or file an appeal will help ensure you receive the damages you’re entitled to.

Cutter Law team

Home Fire Insurance

Homeowners have home fire insurance to protect themselves in case their home or property is damaged or destroyed by a fire. Typically included in a fire insurance policy is damage related to:

  • Flames
  • Soot
  • Smoke
  • Ash

Even if a home is not destroyed by the Napa fire, damage related to that fire is included in fire insurance coverage. Fire insurance companies, however, may try to avoid paying the full amount policyholders are owed by undervaluing the property or possessions included in a fire insurance claim.

Among the claims made against insurance companies are that they attempt to use straight-line, age-based depreciation when valuing damages.

Under California law, however, insurance companies must take the actual physical condition of the possessions into account, no matter how old they are.

As such, an item that is 10 years old but is in excellent condition must be valued as being in excellent condition, not depreciated solely based on its age.

Cutter Law P.C. is highly experienced in fighting for the rights of policyholders against fire insurance companies that act illegally or unethically. We served as co-lead counsel in an important class action lawsuit—Doan v. State Farm—that resulted in a victory for California State Farm home insurance policyholders.

In that lawsuit, the Court found that State Farm must change its adjustment practices and must communicate the methods and schedules uses for calculating property damage to its policyholders.

Fire Insurance Lawyer

Fire insurance attorneys at Cutter Law P.C. are highly experienced at dealing with insurance companies and defending the rights of our clients in fire insurance claims. Filing insurance claims and appealing insurance company decisions can be a complicated and stressful process.

Our attorneys will fight to protect your rights so you receive the compensation you’re entitled to. Contact a fire insurance attorney at Cutter Law P.C. to schedule at no obligation consultation today. Call 707-306-0540 to speak with a fire insurance lawyer about your claim. Our attorneys are available to answer your questions and discuss your situation.

Testimonials

April T.
April T.
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“I’m so glad I chose Cutter Law to take my case. They are ethical, hardworking, capable and very willing to represent individual clients who are opposing companies.”
Jerry S.
Jerry S.
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I would like to express my gratitude for the way you and your firm handled my lawsuit. At all times, I felt my interest was held in a very professional way. I was very satisfied with the settlement that was awarded to me. If the need ever arises, I would most assuredly recommend your firm to anyone.
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Our Office Locations

Sacramento Office
401 Watt Avenue Suite 100
Sacramento, CA 95864
Phone: 916-290-9400

Oakland Office
Cutter Law P.C.
1999 Harrison Street Suite 1400
Oakland, CA 94612

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