Fighting Denied Insurance Claims in the Inland Empire: A Legal Guide for Homeowners

Homeowners in Riverside and San Bernardino counties face rising insurance denials after storms, wind and fire. Learn how to challenge your insurer legally and protect your claim.

Fighting Denied Insurance Claims in the Inland Empire: A Legal Guide for Homeowners

By Jasmine Daya, Esq. – Geraci LLP

The Inland Empire, especially Riverside and San Bernardino counties, has seen an increase in severe wind events, wildfire risk, and sudden downpours over the last five years. With that comes a growing number of denied insurance claims for property damage.

If you live in the Inland Empire and your claim has been denied or delayed, this guide is for youWhy denials are rising in the Inland Empire

Insurers in this region are:

• Denying windstorm damage as "roof wear and tear"

• Claiming flood or water intrusion is “not a covered peril”

• Using policy loopholes to underpay on fire-related smoke damage

• Failing to respond to homeowners within 30–60 days

What to check first

• Do you have actual cash value or replacement cost coverage?

• Was the damage sudden or gradual? (sudden = usually covered)

• Did the insurer perform an inspection? (if not, red flag)

• What’s their reason for denial — and does it match the policy language?

How to respond

1. Ask for a detailed written denial

2. Document the damage again with expert reports

3. Request your full claim file (you have a right to it under California law)

4. Consult a lawyer — especially before accepting any payment or waiver

Local representation matters

At Geraci LLP, we’ve worked with homeowners in Temecula, Riverside, Rancho Cucamonga, Ontario, Palm Springs, and beyond. Local geography and insurer behavior patterns give us an edge in navigating regional claim disputes.

Let’s fight back together

If you’re in the Inland Empire and your claim has been denied, delayed, or undervalued, contact our team at Geraci LLP. We offer a free consultation, and we don’t charge a fee unless you win.