NOR-CAL FIRES: INSURANCE CLAIM & COVERAGE TIPS FOR BUSINESSES & PROPERTY OWNERS

Last Updated: October 30, 2017


Three Insurance Claim Steps To Take Right Now

INSURANCE CLAIM & COVERAGE FAQs 

What should I be doing for my fire insurance claim right now?


What are my insurance legal rights?


How do I read my insurance policy?


How do I make an insurance claim for fire damage to a home or business?


Does my insurance policy cover smoke damage?


How does my business insurance policy pay for my losses?


Should I give my contractor an Assignment of Benefits to pay for repair costs?


I ran a business out of my destroyed home, does my homeowners insurance cover it?


Does my insurance policy cover my art, jewelry, wine, or other valuables?


Does my homeowners insurance policy cover damage to non-business structures besides my home, like a shed or pools?


If I don't have the Protective Safeguards listed in my business insurance policy, can my claim be denied ?


What role does my mortgage play in the insurance claim process?


How do insurance policy exclusions work?


What is the difference between an insuring clause and an exclusion?


How do deductibles and policy limits  affect claim payments?


Why does the cause of my loss (i.e. smoke damage, fire, wind, water) affect my insurance claim?


What is Building Ordinance Insurance and why is it so important for older structures?


Why does my insurance claim payment include a deduction for depreciation, and how do I know if it's too high?


What is a total versus partial loss, and why does it make such a big difference in the insurance claim payment amount?


What is the appraisal process and for insurance claim disputes, and why does it matter?


What is a public insurance adjuster, and how do I check if they are qualified?


How can I reach the Department of Insurance for help?


I have an unresolved insurance claim -- can I sell my property and still receive the claim payment?

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Our Insurance Attorneys

Ivo Labar's Profile Image
Ivo Labar is a partner at Kerr & Wagstaffe. He is an experienced trial attorney. He specializes in complex business litigation. He has obtained numerous verdicts on behalf of both plaintiffs and d… Read More
Daniel J. Veroff's Profile Image
Dan Veroff is a key asset to the firm’s successful insurance law practice, which has helped policyholders recover millions of dollars from some of the largest and most powerful insurance companies i… Read More
Adrian Sawyer's Profile Image
Adrian Sawyer focuses his practice on insurance and complex business litigation. He has represented clients in a variety of insurance and business matters and has extensive experience in employee mobi… Read More