Services
OUR SERVICES
We Help When Your Insurance Company Delays, Denies, or Underpays Your Claim
When your property has been damaged, the last thing you should face is an insurance company refusing to do what you’ve been paying for. Whether your claim is delayed, denied, or significantly undervalued, we step in to protect your rights and secure the compensation you deserve.
There is absolutely no harm in contacting us — your initial consultation is free, and we will review your situation, your insurance policy, and your options at no cost.
We Assist With
Delayed Insurance Claims
Long investigations, endless requests for paperwork, or months without communication are common tactics used to stall payment. We intervene to move the claim forward quickly and strategically.
Free Initial Consultation No Upfront Fees for Contingency-Based Claims
Whether you’re:
Just starting a claim
Confused by the process
Facing delays
Frustrated by a low offer
Dealing with a denial
Unsure if you have a valid claim
Contact us. There is no risk and no cost to speak with our team.
We will review your policy, assess your damage, and tell you exactly where you stand — so you know your rights before you make the next move
Contact us. There is no risk and no cost to speak with our team.
We will review your policy, assess your damage, and tell you exactly where you stand — so you know your rights before you make the next move.
INSURANCE POLICY REVIEW SERVICES
Flat-Fee Policy Analysis for HOAs, Condo Boards, Homeowners & Investors
Insurance policies are often confusing, filled with exclusions, and written in language that can be difficult to interpret. Many property owners don’t discover gaps in coverage until after disaster strikes, when it’s too late.
To help property owners make informed decisions before a loss occurs, Geraci Property Damage Law offers comprehensive insurance policy review services on a flat-fee basis.
This service is ideal for:
What Our Flat-Fee Insurance Review Includes
We examine the declarations page, endorsements, exclusions, limitations, riders, and loss-settlement provisions.
We flag issues commonly used by insurers to deny or reduce claims, such as:
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Earth movement exclusions
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Smoke and ash limitations
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Sub-limits on water damage
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ALE (Additional Living Expenses) restrictions
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Ordinance or law gaps
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Limited coverage for rental or investment properties
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Improper depreciation rules
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Insufficient coverage for roofs, retaining walls, garages, and outbuildings
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We provide a clear, lawyer-prepared report with:
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Recommended updates
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Suggested endorsements
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Areas requiring clarification with your broker
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Coverage changes to protect your property
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Items that should be added, increased, or removed
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Guidance on insuring unique risks (e.g., hillsides, older homes, short-term rentals)
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For multi-unit residential buildings, we review:
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Master policy coverage
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Building vs. unit boundaries
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Loss-assessment clauses
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Special assessments
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Board liability exposure
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For HOAs, investors, or lenders, we can conduct a risk consultation meeting via Zoom to walk through the findings and provide tailored recommendations.
Who Benefits Most From This Service?
HOA & Condo Boards
Ensure the master policy is sufficient to protect the association and avoid costly special assessments.
Homeowners & Landlords
Know whether your policy actually covers wildfire, smoke, water intrusion, or landslide-related issues in your area.
Real Estate Investors & Short-Term Rental Owners
Investment properties often require specialized treatment, we help identify gaps.
Private Lenders & Secured Creditors
Confirm that your collateral is correctly insured so your security position is protected.
Property Managers
Protect your clients and reduce your own risk exposure.
Pricing
Insurance Review Services are billed on a flat-fee basis
(priced depending on property type and policy complexity). This ensures transparency, no surprises, and clear deliverables.
Practice Areas
At Geraci Property Damage Law, a practice group of Geraci LLP, we represent homeowners, landlords, investors, HOAs, businesses, and private lenders facing catastrophic property damage, insurance disputes, and complex policy issues.
We also offer flat-fee insurance review services to help property owners strengthen their coverage before disaster strikes.
Below is our full list of services.
California wildfires cause devastating structural damage, smoke contamination, and complete losses. We assist with:
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Total loss claims
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Partial loss repairs
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Smoke & ash contamination
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HVAC contamination
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Personal property/contents claims
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Additional Living Expenses (ALE) disputes
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Lowball estimates & improper valuations
If your insurer is delaying or underpaying your wildfire claim, we step in.
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Insurers often deny or minimize landslide and mudflow losses by citing “earth movement” exclusions.
We challenge:
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Earth movement disputes
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Engineering findings
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Pre-existing condition allegations
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Improper exclusions for water or soil saturation
We represent hillside homeowners, HOAs, and investors.
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Smoke can travel miles beyond fire boundaries, infiltrating:
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Walls
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Ducting
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Insulation
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Furniture & fabrics
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Electronics
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HVAC systems
We help property owners whose insurers deny or ignore extensive smoke contamination.
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We assist with:
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Roof damage
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Tree impact
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Water intrusion
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Window/door failure
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Storm surge disputes
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Wind vs. water causation conflicts
We work with experts to document loss and obtain fair repair or replacement costs.
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Delays are one of the most common insurance tactics.
If your insurer is:
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Not responding
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Asking for endless documents
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Re-opening investigations repeatedly
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Failing to provide clear timelines
—we intervene to enforce your rights and push your claim forward.
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A denial does not mean the end.
We frequently overturn denials involving:
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Alleged exclusions
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Incorrect cause-of-loss findings
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Misapplication of policy terms
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Insufficient investigations
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Bad-faith decisions
We review the denial, your policy, and your documentation at no cost during your initial consultation.
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Insurers routinely undervalue:
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Structural repair
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Smoke remediation
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Personal property
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Loss of use/ALE
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Landscape, retaining walls & outbuildings
We obtain independent estimates, consult with experts, and negotiate or litigate for the full amount you’re owed.
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If your insurer acted unfairly or unreasonably, California law may entitle you to:
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Additional damages
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Attorney’s fees
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Penalties
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Consequential losses
We pursue insurers for failing to meet their legal obligations.
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We represent:
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Landlords
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Real estate investors
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Property managers
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Short-term rental operators
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Businesses
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HOAs
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Private lenders with collateral losses
We address structural claims, business interruption, tenant displacement, and lender-protection issues.
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Free Initial Consultation
Whether your claim is delayed, denied, underpaid, or you simply want a policy review, we’re here to help.
Contact Us
Contact us today to understand your options, with no obligation and no upfront fees for contingency claims.