BLOG
NEWS & LEGAL
INFORMATION

Get News & Information That matters
to local Los Angeles Residents.

All

INSIGHTS

PODCAST

Do You Need A Lawyer Motorcycle Accident

Do You Need a Lawyer If You Were Partially at Fault in a Motorcycle Accident?

June 12, 2025

Fault in motorcycle accidents isn’t always obvious — if you’re partially at fault for a motorcycle accident, you may still be able to claim damages.

Can a Slip and Fall Lawyer Help If You Were Injured on Public Property?

June 6, 2025

With plenty of public parks and hiking opportunities, Southern California is a great place to get outside. However, you could have a slip and fall

Can a Personal Injury Lawyer Help with Emotional Damages in Car Accidents?

May 26, 2025

While many focus on the physical injuries of a car accident, the emotional distress of the incident can often go ignored. These traumatic events can

Why Is the Insurance Company Giving Me a Lowball Offer?

May 19, 2025

After a traumatic event like a car accident, you trust your insurance provider to support you. But when the offer they send is far below

Reasons a Personal Injury Settlement Might Get Delayed

May 9, 2025

Why do personal injury settlements get delayed? People who sustain injuries in an accident that wasn’t their fault typically use this type of settlement. The

Tips for Taking Photos After a Car Accident

May 4, 2025

From the infamous Four-Level Interchange to the I-5 and beyond, getting around Southern California safely is a challenge for many drivers. If you’ve been involved

Common Forklift Operator Injuries and How to Avoid Them

April 25, 2025

Forklift operators support nearly every industry that deals with physical goods, whether construction, shipping, or warehousing. Proper training, certification, and workplace safety standards minimize the

How a Catastrophic Injury Lawyer Can Help with Long-Term Care Needs

April 18, 2025

Catastrophic injuries have the power to alter your entire life. Between medical bills, reduced ability to earn an income, and the specific care needs you

Determining Liability for Auto Accidents During Heavy Rainfall

April 11, 2025

Los Angeles is no stranger to heavy rainfall, which creates hazardous driving conditions and increases the likelihood of auto accidents. After a car accident due

Do I Need a Lawyer for Minor Injuries After a Car Accident?

April 7, 2025

A car accident can occur at any time. In 2022, there were 148 fatalities in California caused by distracted driving alone. If you’re involved in

How Can a Lawyer Prove Fault in an Uber or Lyft Accident?

March 31, 2025

Determining fault in Uber and Lyft accident cases can be complex because multiple parties may be involved. In Los Angeles and the Southern California region,

Can You Sue for Negligent Security in Premises Liability Cases?

March 23, 2025

A premises liability case involves an injury or accident that occurs on someone else’s property because of negligence. If a person owns a business or

What Steps Should You Take if Injured at a Local Sporting Event?

March 13, 2025

A fun day out at a local sporting event can quickly take a turn when you’re injured by a flying ball, loose step, or other

The Role of Expert Witnesses in Personal Injury Cases

March 8, 2025

Personal injury cases can be complicated, and it’s important to have experts who can back up claims about injuries, who was at fault, and the

Can You Sue for a Slip and Fall if a Warning Sign Was Posted?

February 28, 2025

Can You Sue for a Slip and Fall if a Warning Sign Was Posted? The downtown Los Angeles area has millions of square feet of

9 Common Types of Commercial Truck Accidents

February 22, 2025

Commercial truck and tractor-trailer accidents can cause substantially more damage than other vehicles, disproportionately harming occupants in passenger vehicles in cases of two-vehicle crashes. The

Is It Worth Suing an Uninsured Driver?

February 15, 2025

Is It Worth Suing an Uninsured Driver? Navigating the aftermath of a car accident is stressful enough on its own, but it can be even

Catastrophic Injury vs. Personal Injury: What’s the Difference?

February 9, 2025

The difference between catastrophic and personal injuries is the severity of the damage and the way it impacts your future. An accident that causes a

If a wildfire has damaged your home or business, filing an insurance claim can help recover financial losses. Large fires may affect tens of thousands of properties. The claims process can be challenging to navigate, especially in a disaster, which is why you need a wildfire lawyer to represent you. The wildfire attorneys at The Law Offices of Jacob Emrani are experienced in this area. They can help you understand your coverage and work with your insurance company to obtain maximum compensation. We’re here to help if you’ve recently lost a house or business in a wildfire. Our team has also filed lawsuits against liable parties, such as Southern California Edison, for its role in igniting the January 2025 Eaton Fire. Types of Insurance Coverage A wildfire can trigger many types of losses and affect every facet of your life. Your wildfire damage claim can target different types of coverage. The policy you use depends on your circumstances and how the fire originated. Your wildfire damage lawyer can look at your insurance policies to determine how to file a damage claim. A fire damage claim can include relocation costs, loss of income, and personal injury. Even wrongful death can be considered, especially if the fire was caused by negligence or an intentional act. Here are the types of insurance policies that can help after a wildfire: Homeowners Insurance While most standard policies cover fire damage, limits, terms, and exclusions vary from one to another. The language of the policy can qualify or exclude you from certain benefits. To understand what you can claim, review your policy for the following coverages: Dwelling Coverage: Protecting your home’s physical structure, this coverage can help pay for repairs or reconstruction. Additional Structures: If a garage, shed, fence or other structure was damaged or destroyed by a wildfire, your insurance policy may cover it. Personal Property Coverage: This covers clothing, furniture, appliances, electronics, and other personal belongings lost during a fire. Additional Living Expenses (ALE): If a wildfire renders your home uninhabitable, this coverage can pay for temporary housing, lodging fees, and other living costs. *Under California law, insurers must provide at least four months of ALE coverage after a state of emergency is declared. Debris Removal: Debris removal companies can charge high fees; debris removal coverage pays the cost of clearing fire debris from your property. Landscaping Coverage: Provides specific protection for plants, shrubs, trees, pathways, fountains, and other landscaping elements damaged by a wildfire. Extended Replacement Cost Coverage: Provides an add-on to your policy that increases the amount of coverage if rebuilding expenses exceed its limit. Liability Protection: A liability policy protects you against claims of property damage or bodily injury to others after a fire event. Law/Ordinance Coverage: Property owners in California’s wildfire-prone areas often incur higher costs to comply with building codes. Renter’s Insurance A renter’s insurance policy mainly protects a tenant’s personal belongings from fire, theft, and other threats. It’s not intended to protect the structure. The building is covered by the landlord’s home insurance policy. Commercial Insurance Policies A commercial policy covers business losses. It can cover damage to the building you work in plus equipment and inventory. Commercial policies are more complex than those for homeowners. Aside from property damage, they can also protect against losses due to: Business Interruption: If business operations are disrupted due to a wildfire, a commercial policy can cover both lost income and ongoing operating/repair expenses. Liability: A liability policy protects your business against lawsuits if anyone was injured on the premises or property related to its operations was damaged. Filing a Wildfire Insurance Claim The process of filing a wildfire damage claim can vary depending on your insurance company. Insurers usually have questions about the extent of damage, the source of the fire, and your involvement in its cause. If you’ve never filed a claim, the process can seem daunting but don’t wait. These are the steps you need to follow: Report the event to your insurance provider as soon as possible. Document all visible damage, items destroyed, possessions removed, and anything else you can remember. Obtain the forms and complete the inventory list needed to file your claim; submit them as soon as possible. Follow your insurer’s guidelines for the claims process and contact an attorney for assistance. File the insurance claim before the company’s deadline. Common Issues with Wildfire Insurance Claims As with any insurance claim, you may encounter various issues. For example, providers may dispute coverage limits or the valuation of losses. Insurance companies use many tactics to deny or delay claims. A wildfire damage lawyer can help resolve insurance disputes that arise. The type of coverage sometimes creates challenges. Some policies cover the actual cash value (ACV), while others cover the replacement cash value (RCV) of what was lost. Coverage for ACV means you’ll only be paid the depreciated value of lost items, while RCV covers the replacement of products with those of equal quality. However, not all issues are the provider’s fault or with the policy’s fine print. A high volume of claims can also lead to delays in areas with widespread damage. Legal Considerations for Filing an Insurance Claim Having a claim denied is frustrating. Your wildfire attorney can ensure your documentation is complete, policy exclusions are identified, and your insurer is notified of the damage in time. They provide guidance to ensure all requirements are met. If an insurance company unfairly denies a claim or offers insufficient compensation, your wildfire lawyer can offer options. These include negotiating with the insurer. If the provider engages in unfair business practices, a lawsuit can be filed; the mere threat of one can get an insurance company to change its offer or decision. However, seeking compensation from a party responsible for a wildfire, such as a negligent utility company, can be another legal path. There are also special rules in California on wildfire insurance, including: Policy Cancellations: In California, insurers must impose a one-year moratorium on policy cancellations. They can’t cancel or fail to renew a policy if a wildfire and state of emergency impact a customer’s ZIP code. California FAIR Plan: Essential coverage is available to homeowners who can’t obtain insurance from traditional providers. The plan offers basic fire coverage, often at a higher premium. Climate Change Policies: California lawmakers have introduced regulations that let insurers factor climate change when pricing their policies. This supports more accurate risk assessments and encourages providers to stay in the market. Resources and Support for Wildfire Victims Legal assistance is one resource to get the financial help you need. A public adjuster can also help negotiate your claim, while building experts can estimate reconstruction costs and other professionals can help value personal property losses. However, several state and federal resources are available if you’ve been affected by a wildfire, including: DisasterAssistance.gov: If uninsured or underinsured, you can register for financial assistance. 2025 Los Angeles Fires | CA.gov: Apply for disaster assistance or get real-time information on when you can return home. California FAIR Plan: Provides fire insurance coverage to owners of high-risk residential and commercial properties. FEMA.gov: Apply for financial assistance if your area is included in a Major Disaster Declaration. A Wildfire Damage Lawyer Is an Invaluable Resource Legal professionals have many resources to help you recover from a wildfire. A wildfire attorney can evaluate your insurance policy to determine what losses are covered. Aside from gathering and preserving evidence, which the insurance company must assess, your lawyer can manage all communication with adjusters and other insurance contacts. They’ll work to negotiate a fair settlement but can represent you in court if an agreement can’t be reached. Schedule a Consultation to Discuss Your Potential Fire Claims At The Law Offices of Jacob Emrani, we’ve recovered millions of dollars in damages for clients. We know how difficult getting back on your feet can be. Our wildfire lawyer provides legal and insurance advice and can help file your insurance claim. If necessary, we can file a lawsuit, such as the mass tort suit against Southern California Edison for its role in starting the devastating Eaton Fire in January 2025. We fight to win and get the compensation you need to make repairs or rebuild. If you have injuries or property damage due to a wildfire-related incident, please contact us for a free case review.

Understanding Wildfire Related Insurance Claims

February 2, 2025

If a wildfire has damaged your home or business, filing an insurance claim can help recover financial losses. Large fires may affect tens of thousands

Understanding Wrongful Death Lawsuits: What Families Need to Know

January 31, 2025

Whether you’re dealing with a serious automobile accident or a wrongful death, you need an attorney who understands the law and will fight for your

JACOB WILL FIGHT FOR YOU

BOOK AN APPOINTMENT

At the Law Offices of Jacob Emrani, we strive to provide clients who have suffered some type of personal injury with the highest quality legal representation:

talk to jacob 24/7

"*" indicates required fields

Your Name*

Email*

Phone*

Briefly Describe Your Case:

Custom Checkbox

I consent to receive SMS from The Law Offices of Jacob Emrani. Reply STOP to opt-out; Reply HELP for assistance; Message and data rates apply. Messaging frequency may vary. I consent to receive marketing emails, legal updates, and promotional communications from The Law Offices of Jacob Emrani. I understand that my information will be used in accordance with the Privacy Policy and Terms of Use, and that I may unsubscribe at any time.

CAPTCHA

Comments

This field is for validation purposes and should be left unchanged.

STAY UP TO DATE

PERSONAL INJURY NEWSLETTER

Get legal tips, local news, sports updates and learn about upcoming giveaways right in your inbox.

SUBSCRIBE FOR E-MAILS

"*" indicates required fields

Your Name*

Email*

Custom Checkbox

CAPTCHA

Phone

This field is for validation purposes and should be left unchanged.

serving
southern california

Address

714 W. Olympic Blvd.
Suite 300
Los Angeles, CA 90015

Phone

(888) 952-2952

BLOG
NEWS & LEGAL
INFORMATION

Get News & Information That matters
to local Los Angeles Residents.

All

INSIGHTS

PODCAST

Do You Need a Lawyer If You Were Partially at Fault in a Motorcycle Accident?

Can a Slip and Fall Lawyer Help If You Were Injured on Public Property?

Can a Personal Injury Lawyer Help with Emotional Damages in Car Accidents?

Why Is the Insurance Company Giving Me a Lowball Offer?

Reasons a Personal Injury Settlement Might Get Delayed

Tips for Taking Photos After a Car Accident

Common Forklift Operator Injuries and How to Avoid Them

How a Catastrophic Injury Lawyer Can Help with Long-Term Care Needs

Determining Liability for Auto Accidents During Heavy Rainfall

Do I Need a Lawyer for Minor Injuries After a Car Accident?

How Can a Lawyer Prove Fault in an Uber or Lyft Accident?

Can You Sue for Negligent Security in Premises Liability Cases?

What Steps Should You Take if Injured at a Local Sporting Event?

The Role of Expert Witnesses in Personal Injury Cases

Can You Sue for a Slip and Fall if a Warning Sign Was Posted?

9 Common Types of Commercial Truck Accidents

Is It Worth Suing an Uninsured Driver?

Catastrophic Injury vs. Personal Injury: What’s the Difference?

Understanding Wildfire Related Insurance Claims

Understanding Wrongful Death Lawsuits: What Families Need to Know

BOOK AN APPOINTMENT

talk to jacob 24/7

PERSONAL INJURY NEWSLETTER

SUBSCRIBE FOR E-MAILS

serving
southern california

Anyone can fight...we WIN!

YOUR PERSONAL INJURY ATTORNEYS

(888) 952-2952

(888) 804-6766

INFO@CALLJACOB.COM

BLOG NEWS & LEGAL INFORMATION

Get News & Information That matters to local Los Angeles Residents.

All

INSIGHTS

PODCAST

BOOK AN APPOINTMENT

talk to jacob 24/7

PERSONAL INJURY NEWSLETTER

SUBSCRIBE FOR E-MAILS

serving southern california

Anyone can fight...we WIN!

YOUR PERSONAL INJURY ATTORNEYS

BLOG
NEWS & LEGAL
INFORMATION

Get News & Information That matters
to local Los Angeles Residents.

serving
southern california