California Insurance Attorneys

 
 












Public Insurance Adjusters
Are Not

Insurance Claims Attorneys

Insurance Bad Faith Attorneys


• Fire Damage               • Earthquake Damage
• Landslides   • Mudslides
• Water Intrusion   • Explosion
• Mold   • Natural Disasters
CaliforniaInsuranceAttorneys.net

The insurance attorneys with the law firm of Michael T. Chulak & Associates are available to represent property owners and homeowner associations in legally maximizing insurance claims anywhere in California including the following areas:

• Malibu       • Santa Barbara
• Simi Valley     • Moorpark
• Stevenson Ranch     • Castaic
• Topanga     • Santa Rosa Valley
• Pacific Palisades     • Palisades Highlands
• Brentwood     • Oak Park
• Fillmore     • Piru
• Ventura     • Santa Clarita Valley
• Ojai     • Beverly Glen
• Bel Air     • Thousand Oaks
• Montecito

While Public Adjusters also represent the insured, they are not attorneys, and consequently, cannot provide legal advice. In addition, the attorney-client privilege exists only when a client is communicating with an attorney. This could become important. Also, when an insurance company is aware that the insured has hired an insurance attorney, instead of a Public Adjuster, it is less likely that the insurance company will engage in bad faith conduct because they understand that an attorney can file a lawsuit for bad faith, if appropriate. In short, we believe an experienced insurance attorney can legally maximize the amount paid by the insurance company while minimizing the time required to settle the claim.

Like Public Adjusters, we are paid only when the claim is settled and you are in receipt of the funds. Also, like most Public Adjusters, our fee will range between 5% and 50% depending upon the size of the claim. While not guaranteed, in most cases our fee will be offset by our ability to obtain a better settlement than you would be able to obtain on your own.

Frequently Asked Questions

Q: What can I do if my insurance company denies a covered claim?

A: You can file suit for breach of contract and possibly a tort action seeking damages based on the insurer's bad faith handling of the claim.

Q: Can recovery of damages for an insurer's bad faith exceed what the insured is entitled to receive under the insurance policy?

A: Yes. In addition to what the insurer is required to pay under the policy, if the denial is unreasonable, you may be able to recover consequential damages (money you were required to pay because of the denial) and extra-contractual damages which are designed to punish the insurance company and to deter it from wrongfully denying similar claims in the future.

Q: What obligation does my insurance company owe me regarding my claim?

A: An insurance company has an obligation or duty to handle a claim reasonably, promptly, and in good faith.

Q: What is the duty of good faith?

A: It means that your insurance company must:
  1. Pay or deny (adjust) your claim within a reasonable period of time,

  2. Timely respond to your phone calls and letters,

  3. Inform you in writing why it is denying your claim specifying each contract provision upon which it is relying,

  4. Attempt to find a basis for paying the claim rather than reasons to deny it,
    and

  5. Treat you fairly.

Q: What obligations do I owe my insurance company when making a claim?

A: You must:
  1. Submit your claim timely,

  2. Provide all information reasonably requested,

  3. Provide a statement under oath concerning the claim, and

  4. Reasonably cooperate with the insurance company.

Q: Will the State of California Department of Insurance (DOI) help me if my claim is unreasonably denied?

A: Possibly, but don't rely on it. They do not respond to every complaint and sometimes their responses are inadequate. Never wait to pursue a claim because you are waiting for the DOI to investigate or act. You may never receive a response or the response may come too late. If you fail to comply with a notice requirement, you may lose your right to recover damages. If you allow the statues of limitations to run, you will definitely lose your rights to recover. In short, do not delay making a legal claim.

Q: Is there any general advice you can offer when making a claim?

A: Yes. After calling the insurance company, always summarize the complete conversation in a letter addressed to the person to whom you spoke. The letter should refer to the date your conversation took place and a copy should be retained. The initial claim letter should be sent by certified mail, receipt requested.

Q: Why should I hire an insurance attorney to obtain what is legally due to me under the insurance policy?

A: Insurance companies offer to pay what is due to you as they see it. Sometimes insurance company adjusters are instructed to pay as little as possible, as late as possible. Also, the typical insurance policy contains hundreds of provisions and conditions that are quite complex for most individuals who are not experts in insurance. If you represent yourself, you may be disadvantaged.

Q: What is an Independent Adjuster?

A: An Independent Adjuster is an adjuster hired on a contract basis to represent the insurance company. They do not represent the insured.

Q: Do you have a minimum size of claim that your firm will handle?

A: Yes. If the claim is under $50,000, it is probably not cost effective to use our services. If in doubt, please call us for a free consultation.

Q: What is bad faith?

A: When an insurance company denies the payment of a valid claim, underpays a claim without good reason, unreasonably delays payment or even fails to thoroughly investigate an insured's claim, it is acting in bad faith. In rare cases, insurance companies may falsely accuse their client of insurance fraud or arson.

Q: What is insurance fraud?

A: It is when an insured lies to obtain an insurance benefit to which he or she is not entitled or the insurance company intentionally denies an insurance benefit to which the insured is entitled.

Don't be victimized by an insurance company. Protect your rights. For insurance claims anywhere in California exceeding an estimated $50,000 or more, call Michael T. Chulak & Associates for a no cost consultation.

Let us review your case and represent you so that you receive the full amount of insurance benefits you deserve. Don't let them "pay as little as possible, as late as possible."







Los Angeles County:

Acton, Agoura, Agoura Hills, Agua Dulce, Alhambra, Altadena, Arcadia, Arleta, Artesia, Avalon, Azusa, Baldwin Hills, Baldwin Park, Bassett, Bell, Bell Canyon, Bell Gardens, Bellflower, Beverly Hills, Bouquet Canyon, Box Canyon, Burbank, Calabasas, Calabasas Hills, Canoga Park, Canyon Country, Carson, Castaic, Century City, Cerritos, Chatsworth, Claremont, Commerce, Compton, Covina, Cudahy, Crystalaire, Culver City, Del Sur, Diamond Bar, Downey, Duarte, East Los Angeles, East Rancho Dominguez, El Monte, El Segundo, Encino, Firestone Park, Flintridge, Gardena, Glassell, Glassell Park, Glendale, Glendora, Granada Hills, Hacienda Heights, Hawaiian Gardens, Hansen Dam, Hawthorne, Hermosa Beach, Hidden Hills, Highland Park, Hollywood, Huntington Park, Industry, Inglewood, Irwindale, La Canada Flintridge, La Crescenta- Montrose, La Habra Heights, La Mirada, La Puente, La Verne, La Canada, Lake Hughes, Lake Los Angeles, Lake View Terrace, Lakewood, Lancaster, Lawndale, Leimert Park, Lennox, Leona Valley, Lincoln Heights, Littlerock, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Marina Del Rey, Maywood, Mission Hills, Monrovia, Monte Nido, Montebello, Monterey Park, Mount Baldy, Mount Wilson, Newhall, North El Monte, North Hills, North Hollywood, Northridge, Norwalk, Pacoima, Palisades, Palmdale, Paramount, Pearblossom, Pico Rivera, Pomona, Quartz Hill, Rancho Dominguez, Rancho Palos Verdes, Rancho Park, Redondo Beach, Reseda, Ritter Ranch, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, San Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Saratoga Hills, Saugus, Sherman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Stevenson Ranch, Studio City, Sun Valley, Sun Village, Tarzana, Temple City, Toluca Lake, Topanga, Torrance, Tujunga, Universal City, Val Verde, Valencia, Valley Village, Van Nuys, Venice, Vernon, Walnut, Walnut Park, West Covina, West Hills, West Hollywood, West Los Angeles, West Toluca Lake, Westchester, Whittier, Wilmington, Windsor Hills, Winnetka, Woodland Hills.

Ventura County:

Camarillo, Channel Islands, Faria Beach, Fillmore, Moorpark, Newbury Park, Oak Park, Oak View, Ojai, Oxnard, Port Hueneme, Santa Paula, Saticoy, Somis, Simi Valley, Thousand Oaks, Ventura (San Buenaventura), Westlake Village.

Orange County:

Aliso Viejo, Anaheim, Balboa Island, Brea, Buena Park, Corona Island, Costa Mesa, Cypress, Dana Point, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forrest, Los Alamitos, Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Rossmoor, San Clemente, San Juan Capistrano, Santa Ana, Santa Ana Heights, Seal Beach, Stanton, Tustin, Tustin Foothills, Villa Park, Westminster, Yorba Linda.

San Bernardino County:

Adelanto, Apple Valley, Barstow, Big Bear, Big Bear City, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Landers, Loma Linda, Montclair, Morongo Valley, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley.

Riverside County:

Anza, Banning, Beaumont, Bermuda Dunes, Blythe, Cabazon, Calimesa, Canyon Lake, Cathedral City, Cherry Valley, Coachella, Corona, Desert Hot Springs, East Blythe, East Hemet, El Cerrito, Glen Avon, Hemet, Highgrove, Home Gardens, Homeland, Idyllwild-Pine Cove, Indian Wells, Indio, La Quinta, Lake Elsinore, Lakeland Village, Lakeview, Mecca, Mira Loma, Moreno Valley, Murrieta, Murrieta Hot Springs, Norco, Nuevo, Palm Desert, Palm Springs, Pedley, Perris, Quail Valley, Rancho Mirage, Riverside, Rubidoux, San Jacinto, Sun City, Sunnyslope, Temecula, Thousand Palms, Valle Vista, Wildomar, Winchester, Woodcrest.

California

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