Denied Insurance Claim After Fire in Los Angeles? Here’s What to Do
- Move Your Biz
- Nov 20
- 2 min read
If your fire damage claim was denied in Los Angeles County, you still have options. Learn the legal steps to challenge a denial and protect your rights.
Denied Insurance Claim After Fire in Los Angeles? Here’s What to Do
By Jasmine Daya, Esq. – Geraci LLP
Los Angeles County is no stranger to wildfires. Between the Santa Monica Mountains, the San Gabriel Valley, and hillside communities across the region, thousands of homes are vulnerable every year.
If you’ve suffered property damage from fire or smoke — and your insurance claim was denied or delayed — here’s what you need to know as a Los Angeles homeowner.
Why fire-related claims get denied
In LA, fire claims are often denied due to:
Ambiguous policy language ("was it really a direct fire loss?")
Smoke or soot damage without structural damage
Insufficient documentation or missed deadlines
Disputes over cause of the fire (electrical vs external wildfire)
Delayed filing due to evacuation or emergency conditions
What to do if your fire claim is denied
Request your denial in writing
Pull your full policy, including declarations and endorsements
Photograph all damage, even if the structure looks untouched
Get a second opinion from a contractor or public adjuster
Contact a property insurance attorney — especially one familiar with Southern California fire claims
Why legal help is critical in LA
Insurers often treat large-volume fire areas like LA County differently, increasing scrutiny and dragging their feet. With Geraci LLP, you get a legal team that understands not only the insurance code, but also the unique patterns of California wildfire litigation.
Free Claim Review for Los Angeles Homeowners
If your claim was denied after a fire in LA County, you may still have a strong case. Book a free review with our legal team, we’ll analyze your policy and tell you your real options.
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