Homeowner's Insurance

By those Californians who’ve been affected by the latest wildfires, the results have been devastating. Many people in California may be asking themselves, “Why do I need an attorney if I have homeowner’s insurance?”

Homeowner's Insurance

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Do I Need an Attorney if I Have Insurance?

The answer is that your homeowner’s insurance company may not pay you the compensation you deserve, if they pay you at all. California insurance companies are financially invested in paying out as little money as possible to their policyholders.

The purpose of insurance adjusters is to inspect your property and then try to find ways to deny your claim. Many California insurance adjusters will lead you along and try to make you believe they will pay for your property damage or reimburse you for the property damage an any medical expenses you may have, where they actually will just keep leading you on for weeks or even months.

By the time you figure out your homeowner’s insurance company isn’t going to pay you and decide to hire a California property damage attorney, your attorney is in a worse position to defend your claim. In some cases, you may already be in negotiations, and you would not be able to document your damages or hire a third-party adjuster to accurately assess your damages.

An experienced California attorney if hired soon enough, could guide you to a good restoration company who can provide the proper repairs to your home, business, rental properties, and vehicles.

HOW DOES A CALIFORNIA ATTORNEY GET PAID FROM A PROPERTY DAMAGE CLAIM?

Many attorneys use what is called a contingency agreement. This means that the fee you pay your attorney would depend on how successful they were in handling your case. Most California attorneys who use a contingency agreement only collect a fee if they collect money on your half from the responsible party’s insurance company. The normal fee would be 25 to 33 percent of the settlement amount, and up to 40 percent if the case wen to court, although most cases settle without litigation. For personal injury attorneys, this is the best practice because it ensures the attorney will work hard for you and give you the best possible outcome for your claim.

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HOW DO YOU DECIDE TO HIRE AND ATTORNEY AFTER SUFFERING DAMAGES FROM A CALIFORNIA WILDFIRE?

Not all California personal injury attorneys are going to understand the intricacies of wildfire and fire protection law. When looking for an attorney you should find one who advertises and has experience in litigating fire damages and personal property loss as a result of the California wildfires.

The attorneys at Sargent Law Firm can litigate your case against your homeowner’s insurance company who may be trying to deny your claim for personal property loss in a California wildfire.

Most attorneys get new clients through referrals from past clients. When you do search for an attorney, it’s important that you interview and research each potential California attorney. However, this process should be done quickly because the more time you give your homeowner’s insurance company to look at your property damage, the more likely they will find some evidence to use against you.

SHOULD I SEE A DOCTOR OR TALK TO A LAWYER FIRST IF I WAS INJURED IN A CALIFORNIA WILDFIRE?

If you or a loved one was injured in a California wildfire, you should immediately seek out medical treatment and see an attorney later. If you don’t have a doctor and want to seek out medical treatment for a pain that’s not an emergency, your California attorney can recommend a quality physician.

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CAN AN ATTORNEY HELP NEGOTIATE DOWN HOSPITAL AND MEDICAL BILLS AND MY PROPERTY DAMAGE?

Attorneys who work for the hospital may be willing to negotiate bills that may be the bigger job in wildfire accidents, and large emergency bills would become part of your case. Every dollar that your attorney manages to reduce from your hospital bill would be one more dollar in your pocket. However, you should not enter into a payment plan with a hospital unless your attorney is helping with those negotiations.

CALL A CALIFORNIA WILDFIRE PROTECTION LAWYER TODAY

Call Ryan Sargent

Most of the California wildfires now burning are not accidents and those who are responsible for starting the fires should be held responsible. If you or a loved one have suffered from smoke inhalation and the medical expenses are beginning to pile up, you need to contact a California attorney who can help you get the compensation you deserve.

The attorneys at Sargent Law Firm are experienced in litigating fire damages and smoke inhalation cases across California. Your consultation is free and there is no obligation. You pay no fees unless we win.

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All of our initial consultations are 100% FREE & Confidential. Fill out this form to request a FREE Consultation.

By submitting this form, you consent to being contacted by The Wildfire Lawyers via phone, text, or email. 888.501.6083