We help individuals and business that suffered structural damage, personal property loss, lost profits, physical injuries and other injuries in the fires that have ravaged Northern California (most notably the fires around Santa Rosa, California such as those in Napa and Sonoma counties including the Tubbs fire, Atlas fire, Nuns fire, Pocket fire, Redwood Fire, Sulphur fire, and Cascade/La Porte fire. So far the fires in or around Santa Rosa, California have destroyed 6,700 homes and business and killed at least 41 people. Entire neighborhoods have been destroyed. We are here to help provide assistance and answers to those who have suffered damage, and to help them seek compensation for their losses.
Our fire damage practice helps individuals determine who is responsible for their damages and how to recover the costs of lost homes, cars, business, and other property.
We can help people recover from utility companies, such as PG&E, whose potential failure to take reasonable and common sense measures to protect the public may have led to the fires or caused existing fires to be worse than they otherwise would have been.
We also help people and companies recover from fire and property insurance companies, insurance agents, or insurance brokers when an insurer fails to cover any or all costs arising out of the fires’ devastation. Even if you do not have fire or property insurance or have less coverage than is necessary to repair the damage, you might still be able to recover compensation for all of your loss if the insurer, insurance agent, or insurance broker acted improperly. We are happy to provide a free consultation to evaluate your circumstances and let you know whether you may be able recover money to compensate you for your fire loss damages and what steps to take next.
CALIFORNIA LAWYER FIGHTING FOR VICTIMS OF FIRE DAMAGE AND OF WRONGFUL FIRE/PROPERTY INSURANCE DENIALS
Those who have suffered losses in the Santa Rosa fires may have the right to recover money as compensation for their damages such as:
- Lost homes, garages, or other nearby structures
- Lost personal property such as cars, boats, planes, furniture, and jewelry
- Bodily harm to you or your family, including wrongful death and loss of pets
- Loss of businesses, income, assets
WE CAN EVALUATE YOUR CASE AT NO COST
Those who have suffered losses in the Santa Rosa fires in Northern California may have the right to recover money as compensation for their damages. Contact the Law Offices of Scott Glovsky for a free case evaluation or if you have any questions.
DUTIES OF THE INSURANCE COMPANY
Below are some of the basic responsibilities of an insurance company owed to the insured. If they are broken, the insurance company is likely to face liability for the resulting damages.
Duty of Good Faith and Fair Dealing
The courts have found that the special relationship between an insurance company and a policyholder creates a duty of “good faith and fair dealing.” The courts have often referred to what a policyholder is really buying as “peace of mind.” To get this peace of mind, an insurance company must do what is right to protect the policyholder. When an insurance company does not do what is right, they may be acting in “bad faith.” This bad behavior triggers very severe penalties for an insurance company: specifically the possibility of punitive – punishment– damages for their actions.
Duty to Fairly & Quickly Manage Claims
An insurance company has the duty to fairly and promptly investigate the claim and provide the benefits of the policy including paying valid claims. These duties are governed by the insurance company’s duty of “good faith and fair dealing” and must be carried out with reasonable speed.
Duty to Settle Covered Claims
Recent California law indicates that an insurer should make a good faith effort to settle a case within its own policy limits regardless of whether or not the other party demands such a settlement. Failure to do so can lead to “bad faith” by the insurance company.
Scott Glovsky and our team have made a career of fighting such battles against large defendants on behalf of individuals. Scott spent the first phase of his career working for insurance companies. His job was defending large insurance companies against allegations that they improperly handled claims. He worked on many lawsuits, but did not enjoy defending these companies. The insurance companies used questionable reasons for denying, delaying and underpaying claims. He sympathized with policyholders and was moved by how their lives had been turned upside down.
Almost twenty years ago Scott stopped representing insurance companies and started representing policyholders. The Law Offices of Scott Glovsky has litigated numerous cases in which insurance denials led to catastrophic loss, including death or risk of death. Over the years, we have helped thousands of insurance policyholders obtain coverage and reimbursement from California insurance companies