April 10, 2025
LA Wildfire Victims Deserve Better: The Fight for Fair Insurance Claims
Fair Insurance Claims in the 2025 LA Wildfires have taken an unimaginable toll on families and homeowners across Southern California. Many lost everything—homes, memories, livelihoods—and now face a second, painful battle: dealing with insurance companies that are not holding up their end of the deal.
If you’re feeling ignored, frustrated, or defeated by your insurance provider, you’re not alone. We hear you—and we’re here to fight for you.
The Pain of Being Undervalued After Losing It All
Victims of these wildfires are not only rebuilding homes—they’re trying to rebuild their lives. Unfortunately, instead of finding support from their insurers, many are being:
- Ignored or delayed with no clear timeline or support
- Asked to do the insurance company’s job, like arranging smoke and toxin testing
- Offered inadequate settlements that don’t come close to covering their losses
Companies like California Fair Plan (CFP) and State Farm are especially at fault. They’ve begun a dangerous practice of shifting their legal duty to investigate damages onto homeowners—violating California’s Fair Claims Settlement Practices Regulations.
What the Law Says—and What Insurers Are Ignoring
According to the California Department of Insurance (DOI), insurance carriers:
- Must investigate all claims, including testing for smoke, soot, and toxins
- Cannot push that responsibility onto policyholders
- Have 40 days to investigate and 30 days to issue payment after a settlement is reached
In a March 7, 2025 bulletin, the DOI confirmed that what many insurers are doing is not only wrong—it’s illegal.
You Deserve to Be Treated with Dignity and Fairness
You’ve already endured more than anyone should. You shouldn’t have to fight to get what you paid for. An experienced fire insurance attorney can:
- Hold your insurer accountable under state law
- Ensure proper testing and full investigation of your losses
- Secure the settlement you need to rebuild and recover
We understand the pain, the pressure, and the injustice—and we’re here to help you every step of the way.
Take Back Control of Your Recovery
If your insurance claim is delayed, underpaid, or if you’re being asked to handle tasks that are your insurer’s legal duty—don’t wait. You have the right to full benefits and fair treatment.
📞 Speak with a dedicated fire damage attorney today. (833) 324-5399
Schedule a FREE consultation and let us help you recover what’s yours.
Your home matters. Your health matters. And you deserve justice.