What to Do If Your Homeowners Insurance Claim Is Denied in California

Homeowners in California whose insurance claims are denied face critical choices. Learn the 5‑step legal response strategy and how Geraci LLP can help you fight back.

By Jasmine Daya, Esq.

At Geraci LLP, we see far too many homeowners in California shut out when their insurers deny perfectly valid claims. If your homeowners insurance claim has been denied, especially after wildfire, smoke, wind or water damage, you still have rights. This post walks you through what to do next and how you can protect your legal options.

1. Don’t ignore the denial letter: When your insurer sends a denial (or fails to respond for 3060 days), the clock starts. Preserving your legal rights means you must act quickly. Save all correspondence, keep the original policy handy, photograph your damage, and document the timeline. (Internal link suggestion: “How Long Can an Insurance Company Delay a Claim in California?”)

2. Review your policy and the explanation of denial Insurance policies in California are full of complex language. Many denials hinge on interpretation of terms like “sudden and accidental” or exclusions for “wear and tear.” You must compare the insurer’s stated reason to what your policy actually says. At Geraci LLP we help you decode the fine print.

3.  Request a written explanation and engage experts

   Ask your insurer for a detailed denial explanation. If needed, hire a property damage expert—especially in wildfire, water intrusion, or smoke events. Their report may challenge the insurer’s assertions and build a stronger case. (Internal link: “Common Reasons Insurance Companies Deny Property Claims (And What to Do About It)”)

4.  Evaluate for badfaith or delayed payment

   In California, insurers have a legal duty of good faith and fair dealing. If they unreasonably delay or deny a claim without proper justification, you may have a badfaith cause of action. That means you could recover not only the value of your claim but also additional damages. Recognizing these signs early is crucial.

5.  Promptly engage legal counsel or file suit before deadlines

   Once you’ve received a denial, the statute of limitations starts ticking. Waiting too long could cost you the right to file a claim or suit. Bring in attorneys with experience in propertyinsurance disputes. At Geraci LLP we offer a free claim review to determine if your insurer crossed the line.

Why this matters now in Southern California

Following the 2025 wildfires and ongoing severe weather events, insurers are facing massive volumes of claims — and many policyholders experience delays or outright denials. If you’re in Los Angeles County, Ventura County or Riverside County, your exposure to insuranceclaim problems is elevated.

Free legal consultation

If your homeowners insurance claim was denied or delayed, contact us today for a free policy review and casestrategy meeting. Don’t let the insurer dictate your rights.