Need Help Deciding If You Want to "Repair, Rebuild or Sell?"

OPTION 1:    Do You Have Fire Insurance?

As an insured property owner, you must file a claim with your insurance provider to initiate the recovery process. Retaining experienced wildfire litigation counsel can significantly improve your claim's outcome by:

1. Proper Claim Preparation

• Ensuring accurate documentation to prevent wrongful denials or delays
• Reconstructing lost property records through alternative evidence methods

2. Insurance Negotiation

• Advocating for full policy benefits under California insurance code provisions
• Counteracting low settlement offers with professional valuation methods

3. Comprehensive Recovery

• Securing compensation for:
  • Structural rebuilding at current construction rates
  • Personal property replacement (CC § 3302)
  • Bodily injury claims (smoke inhalation/burn injuries)
  • Additional living expenses (ALE) during displacement

4. Legal Enforcement

• Preparing bad faith claims under § 790.03(h) if benefits are improperly withheld
• Filing timely litigation within California's 12-month statute of limitations for fire claims (CCP § 340)

Critical Considerations:

• Insurers retain defense counsel - you deserve equal representation
• The claims process involves complex policy interpretation
• Strict deadlines apply to preserve all recovery options

We provide complimentary case evaluations to:
✓ Analyze your policy coverage
✓ Explain applicable deadlines
✓ Outline optimal recovery strategies

Policyholders have rights under California law - we ensure insurers honor them.

OPTION 2:   Are You Under-Insured / Uninsured?

Even if your insurer has denied your claim, you're underinsured, or lacked coverage entirely, California law provides potential avenues for recovery. As wildfire litigation attorneys, we help clients navigate:

1. Alternative Compensation Sources

• Third-party liability claims (utility companies/contractors)
• Government disaster relief programs
• Mortgage lender negotiations

2. Critical Financial Protections

• Mortgage obligation solutions under California foreclosure laws
• Builder/contractor liability for fire-resistant construction defects

3. Time-Sensitive Legal Actions

• California's 1-2 year statutes of limitations (CCP § 335.1 for personal injury; CCP § 338 for property damage)
• Pending class action eligibility in your area

Why Immediate Consultation Matters:
✓ Get accurate deadlines specific to your case
✓ Learn about active wildfire litigation in your community
✓ Understand all potential recovery options
✓ Make informed decisions with professional guidance
We offer free case evaluations so you can:
• Learn your rights without obligation
• Assess if/when legal action becomes necessary
• Protect future options before deadlines expire

"Delays can forfeit your rights - knowledge today protects your tomorrow."

OPTION 3:   Lawsuits You Can File / Join

Even if you're not currently considering legal action, we strongly urge you to consult with us so we can explain:

1. Critical Deadlines

• California imposes strict filing windows (typically 1-2 years under CCP §§ 335.1/338)
• Missing these deadlines permanently bars recovery

2. Community Legal Actions

• Learn about active wildfire lawsuits that may affect your rights
• Understand potential class action participation benefits

3. Strategic Planning

• Get professional assessment of your best options
• Receive clear timeline for decision-making

Why Consult Now?
✓ Free case evaluation with no obligation
✓ Specific deadline analysis for your situation
✓ Comprehensive explanation of legal alternatives
We recognize the profound challenges you face. While we offer our deepest sympathies for your loss, we also want to ensure you have:
• Full awareness of your legal rights
• Clear understanding of time-sensitive options
• Professional guidance available when you need it

"An informed decision is only possible when you know all your options - let us help you understand what's possible."