Underinsured Homeowners Claims

Underinsured Homeowners Claims

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Protecting Your Rights After the Los Angeles Wildfires

Are You Discovering That Your Insurance Won’t Cover Your Wildfire Losses?

You’re not alone. Many Los Angeles homeowners are now realizing that their insurance policies don’t provide enough coverage to rebuild after wildfire damage. If your policy falls short, Audet & Partners, LLP is here to help.

Why Are So Many Homeowners Underinsured?

California law requires insurance companies, brokers, and agents to provide homeowners with a written estimate of replacement costs within three days of issuing a policy or when answering coverage questions. This regulation is meant to give homeowners a chance to review and confirm their coverage.

However, if an insurer, broker, or agent failed to provide this written estimate, it is considered a misleading statement under California law. Even if you selected your policy limits, courts have held that insurers and brokers are responsible when they reassured homeowners that their coverage was sufficient. If you were misled, you may have legal options to seek additional compensation.

How Audet & Partners Can Help Underinsured Homeowners

At Audet & Partners, we take cases that other law firms turn away. If you find yourself underinsured after the wildfires, we explore multiple legal strategies to secure the compensation you need:

• Holding Insurance Companies Accountable: If your insurer or broker provided misleading information about your policy limits, we can take legal action to pursue the coverage you were led to believe you had.
• Pursuing Third-Party Compensation: We investigate whether negligent third parties—such as utility companies, contractors, or local governments—may be responsible for the wildfire, potentially entitling you to additional compensation.
• Insurance Policy Reformation: If an error was made when your policy was issued, legal action may allow us to request changes to reflect the original intent of coverage.

You Have Options—Even If Your Insurance Falls Short

Don’t assume you have to settle for inadequate coverage. If you’ve discovered that your policy isn’t enough to rebuild, let us investigate your case and explore every possible legal avenue.

Get a Free Consultation Today

Contact Audet & Partners, LLP for a no-obligation consultation. We work on a contingency fee basis, meaning you pay nothing unless we win your case.

• Call us at 800-965-1463
• Fill out our online form to schedule your free consultation.

Additional Resources for Underinsured Homeowners

• California Department of Insurance: Wildfire Insurance Claims
• State Assistance for Wildfire Victims

Why Choose Audet & Partners?

• Experienced in Wildfire Claims: We specialize in helping underinsured homeowners navigate complex legal challenges.
• Fighting for Maximum Compensation: Whether it’s through legal claims, third-party lawsuits, or policy reformation, we explore all possible options to help you recover.
• No Fees Unless We Win: We take cases on a contingency fee basis, so you don’t pay out of pocket.

Don’t let an underinsured policy stop you from rebuilding. Let us fight for what you deserve.