Property Damage

When you hire a contractor for a major renovation, a home improvement project, or a minor repair, you expect the contractor to be thorough, detail-oriented, and able to anticipate and address certain problems that may arise. Most contractors consistently do very good work and their customers are happy with the outcome. However, when it comes to paying attention to detail, some contractors are not as thorough as others.

When things go wrong or the work is not done properly, it can cause a range of problems, including water damage to the property. If your home has water damage that was caused by your contractor, you are urged to contact an experienced lawyer as soon as possible.

Water can cause severe damage in the home, particularly when it goes unnoticed for an extended period of time. When the problem becomes obvious, it usually requires immediate attention to fix. While water damage can be caused by a range of factors, there are situations where the contractor is responsible. The following are examples of ways that a contractor can cause water damage:

• A roofing crew may rush the job if they fall behind schedule. Poor workmanship and inattention to detail can lead to badly installed shingles and a roof that leaks.
• If an HVAC contractor misses pinholes in the AC’s drip pan, water can accumulate in the attic and start to leak through the ceiling.

If you detect water damage in your home, there are steps you should take to address the source of the damage and make sure that the affected areas are properly repaired:

• Contact your insurance company. Explain the problem to your insurance agent and give them your contractor’s contact information.
• Notify your contractor. Let your contractor know that you have notified your insurance company about the water damage. They should contact their insurance carrier so they can negotiate a fair settlement.
• Hold off on cleanup. Do not clean up the water damage until the adjuster is able to examine the extent of the damage.

How Do I Detect Signs of Water Damage in My House?

Unless there is a broken pipe or water is leaking through the roof or ceiling, water damage is not always visible. There are many areas in the home that can be the source of water damage. Knowing where to look can help you detect the problem early and prevent extensive water damage. The following are some of the best ways to detect early signs of water damage:

• Inspect pipes with a flashlight. Water damage in hard-to-see places like under sinks and behind toilets can cause pipes to corrode and connections to loosen. Use a flashlight to check for leaks, which can cause damage as well as increase your water bill.
• Check all appliances. All major appliances in your home have various pipes and hoses, which can cause damage if they leak. Check the interior and exterior of the appliances and look for leaks, faulty pipe connections, and worn hoses. Check the cooling unit as well to make sure there are no leaks.
• Check the walls for signs of water damage. Water damage behind walls often appears as a dirty spot, but it is actually a stain caused by a leaky pipe. Other signs of water damage behind walls include blistered paint, peeling wallpaper and hairline cracks in the drywall.
• Walk barefoot. If the floor or carpet is damp, you can detect dampness, buckles in the floor coverings, and warps in the hardwood floor much better with bare feet. This may be a sign that there are more serious issues, like water damaged subflooring.
• Check the wood window trim. If the wood starts to crumble or peel, it is likely a sign of water damage from leaks around the window.
• Look at the ceiling. If you notice a stain on the ceiling, this is a common sign of water damage. Oftentimes, this is caused by a clogged AC drip pan or a leaky pipe in the attic. If you notice bulges or buckling, this can result in the ceiling collapsing.
• Check the roof for leaks. Loose shingles and curled flashing are common causes of leaky roofs. This can cause water damage in the attic, as well as moldy installation or stains on supporting beams.
• Inspect the basement walls. Most basement walls are made of concrete, which is very porous. Check the walls with a moisture meter or plastic patch, which is a do-it-yourself trick to determine whether damp basement walls are caused by other problems.
• Check the foundation. Walk around the perimeter of the house and inspect the foundation. Look for cracks and crumbling areas, which may be caused by interior plumbing leaks. Pay attention to where the damage is compared to what you found when inspecting the foundation.
• Use your sense of smell. Damp walls, carpets, and floors give off a musty, unpleasant smell. If you notice this smell in your home, it could mean that you have a hose leaking or a plumbing issue that can cause water damage.

Does My Homeowners Insurance Cover Water Damage Caused by a Contractor?

Your homeowners insurance policy may cover the costs associated with the water damage. However, it will depend on your specific homeowners policy, the type of damage, and what caused the water damage. The following are examples of situations where your insurance company will likely pay for water damage:

• Accident coverage. This coverage pays for damage caused by accidents, including fires, structural damage, and water damage. It is included in most homeowners insurance policies and can be used if a contractor causes damage to a home.
• Property damage. From an insurance perspective, it is important that you understand that there is a difference between poor quality work and work that actually causes damage. While your insurance company will not cover shoddy work, they will likely cover the damage that was caused by a contractor.
• Damages are within your policy’s coverage limits. Prior to hiring a contractor, it is highly recommended that you closely review your homeowners policy so that you are aware of what is covered and what is not. For example, many policies cover damages that occur during a home remodel, but do not cover damages from individual projects or additions.

When is the Contractor’s Insurance Responsible for Covering Water Damage?

If you have filed a claim with your homeowners insurance company for water damage caused by your contractor and they agree to pay for the damages, it is highly likely that your insurance company will try to collect repayment from the contractor’s insurance. If your claim is denied by your insurance company, you may be able to seek financial compensation for the contractor’s liability insurance, which is designed to pay for damages caused by a contractor’s errors. Some contractors also carry faulty workmanship coverage, which allows you to collect compensation for negligent work, even if it does not result in any damage to the property.

What Steps can I Take to Hire the Right Contractor?

If you are planning on hiring a contractor for a home improvement project or a home repair, you want to make sure that you hire someone who has a proven track record of doing excellent work. Before you sign any contracts and officially hire a contractor, take the following steps to ensure that your home is in good hands:

• Research the contractor’s reputation by looking them up online, and ask friends or family members that have used the contractor if they were satisfied with their work.
• Find out if the contractor carries contractor liability insurance as well as Workers’ Compensation insurance.
• Check the opens in a new windowBetter Business Bureau or the state licensing board to verify information about the contractor.
• Review your homeowners insurance policy at least once a year. Make updates to the coverage for water damage if necessary.
• Reach out to an experienced restoration contractor who is familiar with the insurance claims process.

How can a Lawyer Help Me?

Too often, insurance companies try to find ways to deny a property owner’s claim or compensate them much less than they deserve. In addition, the process of recovering damages can be complex and time-consuming because there are two insurance companies involved: yours and the contractor’s. In order to ensure that you reach a favorable settlement, you are urged to contact an experienced lawyer who understands how much your claim is worth, knows what insurance policy covers, and will negotiate the maximum settlement amount.

Los Angeles Property Insurance Lawyers at ACTS Law Assist Clients With Water Damage Claims

If your property has water damage which you believe was caused by your contractor, do not hesitate to contact our Los Angeles property insurance lawyers at ACTS Law. We will conduct a thorough investigation to determine who is liable for the damage. To schedule a free, confidential consultation, call us today at 833-ACTS-LAWopens phone dialer or contact us online. With offices located in Los Angeles and San Diego, we serve clients throughout Southern California.

If you live in certain areas of California, you are probably no stranger to natural disasters, such as earthquakes, drought, and landslides. While California is known for its blue skies and warm weather, it also has some of the worst wildfires, particularly when there has been little to no rainfall. This causes the trees, brush, and grass to burn more easily. When the winds pick up, the fire can spread very quickly, destroying everything in its path.

If you live in an area where wildfires are common, it is crucial that you take the necessary safety precautions and have an evacuation plan in place to ensure that you, your loved ones, and your property are protected. A lawyer can assist with the claims process if you have property damage because of a wildfire.

What is a Wildfire?

Wildfires are uncontrolled and unwanted fires that usually start in forested areas. A combination of high temperatures, low humidity, lack of rainfall, dry vegetation, and windy conditions is a recipe for disaster. Once a fire starts, it can quickly get out of control. While natural igniters, like lightning, can trigger a wildfire, many wildfires are caused by humans, most of which are accidental.

Once an ignition source starts a fire, the dry trees and other vegetation provides the fuel needed to maintain and spread the fire. In addition to the dry conditions of the vegetation, wind causes a fire to grow and spread faster than other conditions, as it constantly brings a fresh supply of oxygen to the fire. In addition to destroying forests, parks, and other natural resources, wildfires can destroy homes and threaten the safety of those who live and work in its path.

What Pre-Evacuation Steps Should I Take?

Since wildfires are unplanned and often spread very quickly, it is imperative that you have a plan in place so that you are prepared if a wildfire gets out of control in your area. The following checklist will help you prepare for an evacuation:

• Shut all windows and doors, but leave them unlocked.
• Remove all window shades and curtains, as these are flammable.
• Move all flammable furniture to the middle of the room.
• Shut off the gas, pilot lights, and air conditioning.
• Leave the lights on in the house so firefighters can see your home if smoky conditions affect visibility.
• Turn off all propane tanks.
• Rake and remove leaves, dead limbs, and twigs from the ground.
• Connect garden hoses.
• Do not wait for an official evacuation order to leave your home. If you feel threatened or unsafe, make sure that you have your emergency supply kit and evacuate the premises.
• Check on neighbors, particularly if they are older or disabled.
• Review your insurance policy and prepare a complete list of your home’s contents.

Family Communication Plan

It is important that you set up a family communication plan that designates one person as the point of contact for friends and relatives. Keep a list of important phone numbers written down or stored digitally. Make sure that all family members are familiar with the plan so that they know what to do if an evacuation becomes necessary. The plan should include the following:

• Establish a designated emergency meeting location that is a safe distance from the fire. This will help confirm that all family members have safely evacuated the home.
• Plan several escape routes from the home and the community in case certain routes are blocked and no longer safe. Practice these routes regularly so that every family member knows what to do in the event of an emergency.
• If you plan to evacuate by car, make sure that your vehicle is in good condition and that it has a full tank of gas.
• Make sure that the evacuation plan includes all pets and livestock.

How Do I Stay Safe During an Evacuation?

It may be extremely difficult leaving your home, knowing that it could be destroyed by a wildfire. However, if authorities have issued an evacuation order, it is crucial that you leave. If you decide to stay, you are putting yourself and your family in extreme danger. In addition, firefighters will be put in a position to risk their lives to rescue you. When evacuating your property, keep the following tips in mind:

• Listen to emergency alerts and notifications online or on the radio. They will provide important information and evacuation instructions.
• Make sure that you have an evacuation plan in place for your pets and any larger animals, like horses, cows, and other livestock.
• If you become trapped, call 911 and provide your exact location. Keep in mind that emergency responders will get to you as soon as possible, but the fire may cause them to be delayed. If the fire is out of control, they may not be able to get to you.
• When driving away, roll up all windows and close air vents to prevent smoke from getting into the vehicle and irritating your eyes or respiratory system.
• Use an N95 mask to protect yourself from harmful smoke inhalation.

Due to the ongoing Coronavirus (COVID-19) pandemic, public shelters may have limited space available. Consider making plans to shelter with family members who live outside of the local area that is directly impacted by the fire.

If you are staying at a shelter temporarily, maintain a distance of 6 feet between yourself and other people who are not members of your household. Wear a mask and use hand sanitizer regularly. You may be required to take a COVID-19 test or show proof of vaccination before entering a shelter.

What Safety Precautions Do I Take When Returning Home After a Wildfire?

Do not attempt to return to your home unless local fire or law enforcement authorities say it is safe. Even after the fire has been put out, the condition of your home or the surrounding area may not be safe. The following are several types of possible safety hazards that you should be aware of after a wildfire:

• Safety hazards inside your home: Wildfires and the extreme heat they give off can cause safety issues. There may be hot spots throughout the house. Floors and surfaces can still be smoldering. If you touch or walk on these hot surfaces, you can suffer a serious burn injury. If you see smoke or fire coming out of the attic, get out of the house immediately and call 911. Before entering the house, put on thick-soled shoes and leather gloves.
• Outdoor safety hazards: When returning to your home, use caution when approaching your property and be aware of certain safety hazards. The fire can cause power lines to come down or poles to become unsteady. Charred trees, burned tree roots, live embers, and smoldering debris are extremely hot and can cause severe burns if you come in direct contact with them. There may be smoldering sparks or embers in the gutters or on the roof. Check these areas, and if there is fire still present, call 911.
• Communication tips: Organizations, like the opens in a new windowAmerican Red Cross, and local police, weather and tv and radio stations, will provide important updates about the status of the fire and when it is safe to return to your home. Cellular phone systems often get overwhelmed after a natural disaster, so limit your phone use to emergency calls only.

Once you are able to safely return to your home, you will need to assess the damage to your home and property. Take detailed photographs of the property and the exterior of the home, including the roof. If the roof has been damaged by the fire, place a tarp on the damaged part of the roof.

If it is safe to enter your home, take pictures of any fire or smoke damage to the walls, carpet, furniture, attic, and any other belongings. Contact your insurance agent as soon as possible so that you can initiate the claims process. An experienced lawyer can assist with the claims process and address all of your questions and concerns.

Los Angeles Property Insurance Lawyers at ACTS Law Help Clients Who Have Property Damaged Caused by Wildfires

If your home was damaged in a wildfire, do not hesitate to contact our Los Angeles property insurance lawyers at ACTS Law. Our skilled legal team will work closely with you to make sure your rights are protected. To schedule a free consultation, call us today at 833-ACTS-LAWopens phone dialer or contact us online. Located in Los Angeles and San Diego, we serve clients throughout Southern California.

The Santa Ana winds are being blamed for significant wind damage that hit the Southern California region in late February. The winds caused overturned vehicles and a few local fires. The Santa Ana winds are a regular occurrence in the region and can leave significant damage in their wake. They caused uprooted trees, downed powerlines, overturned vehicles, and millions of dollars in property damage.

Given the amount of property damage the Santa Ana winds are responsible for, millions of people are at a loss on what to do. While insurance companies should cover most of the damage, there are times when they fail to pay what they owe. When incidents like that occur, victims should hire a property damage lawyer who can push the insurance company to do right by its customers.

What is the Latest Incident with the Santa Ana Winds?

The region was recently hit with its latest bout of the Santa Ana winds, with gusts registered as high as 55 miles per hour (mph) for some Los Angeles County coastal and valley areas, and some additional gusts recorded as high as 70 mph, according to the National Weather Service. There were reports of significant damage throughout the region because of the winds, including an overturned big rig as it made the transition from the 15 Freeway to the 210 Freeway in Fontana. A second overturned rig was spotted later in the day on the 210 Freeway. There was at least one fire attributed to the winds that started in a neighborhood home in the Bloomington suburbs. The strong winds pushed the flames into neighboring homes, however, no injuries were reported.

What are the Santa Ana Winds?

High-speed winds occasionally blow in from the mountains to the coast in Southern California. These northeasterly winds are at their strongest in October, but can occur anytime from late winter to early spring. The wind speeds will increase as they travel over mountain passes and downhill through the canyons. These winds will blow in a northeasterly or southwesterly direction. Even when the winds are mild, they can cause significant damage to the area. In the past, even slower wind speeds have caused:

• Broken tree limbs
• Flying debris
• Raised clouds of dust
• Wildfires

The strongest gusts can lead to a heightened chance of wildfires, along with downed trees, branches, and high-profile vehicles being knocked down. There is also a greater chance that residents will experience frequent power failures after the winds come through.

What Causes the Santa Ana Winds?

The winds originate in the Great Basin, which consists of the inland deserts that lead into Nevada and Utah. Even though the winds are warm when they reach California, they do not begin that way. They are initially formed due to the cooler temperatures in the Great Basin, which arethen pushed into Southern California due to high pressure systems. These winds tend to form at the height of California’s wildfire season, which further complicates matters.

How can I Prepare My Property for the Santa Ana Winds?

While wind damage can be catastrophic, the damage can go much deeper than it appears. Downed trees and scattered debris are some obvious signs, however, there are others that take place beneath the surface. Some problems can go unnoticed and, if left untreated, can place a person’s home, family, or health at risk. Some common problems include:

• Water damage
• Structural damage
• Roof leakage
• Plumbing and electrical damage

Addressing these problems quickly will prevent them from growing out of control. However, good preparation ahead of time will also minimize any damage as well. Homeowners should clear away excess branches and debris around the home that could easily be carried off by the wind. They should be properly taken care of to ensure that they can withstand the high gusts of wind that are usually expected. For instance, pruning healthy trees at the crown can assist in decreasing wind resistance, improving strength, and removing branches that are too close to structures or driveways. Other trees that require special attention include:

• Eucalyptus, coral, and melaleuca trees: If these trees have not been pruned for more than a year, they have a higher tendency to break or fail.
• Drought-tolerant trees: Trees that are not irrigated or deciduous are also at a higher risk of limb failure.

Bushes should also be cleaned up in addition to trees. Routine maintenance should be continued, such as regularly trimming or removing unhealthy branches that could break off in a storm. Any plants that appear weak or susceptible to being uprooted should also be removed.

A good rule of thumb to is locate any growth that could easily turn into a projectile and remove it. This can be applied to other debris that might be around the home, such as wood, toys, and loose rocks. Normally such debris should be routinely cleared away. Even though the weeks prior to the arrival of the Santa Ana winds is an ideal time to prepare the home, homeowners should protect their home throughout the year.

What are my Options if I Sustained Wind Damage?

In the wake of massive wind damage due to natural events, such as the Santa Ana winds, a homeowner’s first option is to turn to their homeowners’ insurance to look over their policy to discover what perils are covered. It is wise to review the policy ahead of time, before disaster strikes, and make the adjustments that they see fit. If there is excessive property damage, it should be documented. The insurance company will most likely do that as well, but is best to have personal evidence in the event of disagreement over how much damage occurred.

Not all insurance companies will be efficient and forthright with their clients. There are those who will attempt to use delay tactics to postpone and avoid making any payments. Others will argue that the damage claimed is not covered. It is best to hire a property damage lawyer who will work with a victim to ensure that the insurance company will pay what they owe. A lawyer is well-versed in handling insurance companies and will take the legal steps necessary to ensure each victim is properly compensated.

LA Property Damage Lawyers at ACTS Law Vigorously Represent Clients Suffering Property Damage from the Santa Ana Winds

If you suffered damage to your home or business because of the Santa Ana winds, the LA property damage lawyers at ACTS Law have the experience and background necessary to obtain the compensation you deserve. Call 833-ACTS-LAW opens phone dialertoday or contact us online for a free consultation. Located in San Diego and Los Angeles, we service clients throughout Orange County and Los Angeles County, including Beverly Hills, Calabasas, Malibu, Santa Monica, Long Beach, Hidden Hills, Pasadena, San Marino, Brentwood, Encino, Newport Beach, and Foresthill.

Thanksgiving is a time to gather with friends and family, enjoy a delicious feast, and reflect on the things that people are thankful for in their life. The last thing people expect to happen on Thanksgiving is a serious car accident, a kitchen fire, or that a family member’s home is broken into while they are visiting a loved one. Unfortunately, these accidents happen every year and can cause serious property damage. Fortunately, there are steps homeowners can take to prevent these accidents that can cause serious injuries and property damage. However, if a kitchen fire, car accident, or some other unexpected accident does occur, an experienced property damage lawyer can closely review the client’s homeowner’s insurance policy and assist with the claims process.

What Are the Most Common Thanksgiving Hazards That Cause Property Damage?

According to the National Fire Protection Association (NFPA), there are more house fires caused by cooking equipment on Thanksgiving than any other day of the year. Too many cooks in the kitchen and multiple dishes being prepared at one time can cause people to lose track of food that is in the oven or on the stove. Cooks can become distracted and leave oven mitts, napkins, or wooden spoons too close to the flame. Hot oil from a deep-fried turkey can cause serious burns and other injuries.  The following are some of the most common safety issues related to Thanksgiving:

Kitchen fires: It is easy to get distracted when there are so many people in the kitchen, particularly if alcohol is being consumed while prepping and cooking. Moreover, kitchen fires can spread very quickly. According to the U.S. Fire Administration, there were approximately 2,400 residential fires on Thanksgiving between 2014 and 2016, which resulted in five fatalities, 25 injuries, and $19 million in property damage. On Thanksgiving and throughout the year, cooking is the leading cause of house fires, particularly when cooks are not paying attention to the food that is in the oven or on the stove. Homeowners are urged to keep the following safety tips in mind:

• Check on the food frequently, particularly if there is food on the stove and in the oven. For dishes that take longer to cook, such as the turkey, the timer should be set so that food is not left in the oven for too long and overcook or burn.
• The house should not be left empty if there is food in the oven or on the stove.
• The workspace should be cleaned often, and cooks need to make sure that oven mitts, paper towels, napkins, and other flammable items are not left too close to the oven’s flame.
• Those preparing the meal should avoid wearing loose, billowing clothing when cooking. If the fabric gets too close to the flame, it can easily catch on fire.
• Homeowners must make sure that all the smoke alarms are working, and that the batteries have been replaced recently.
• Drinking alcohol should be avoided while cooking.

Deep frying a turkey: There are many people who purport that there is no better way to cook a turkey than to deep fry it. However, any cooking method that involves a large amount of scalding hot oil has its risks. For example, turkey fryers are known to tip over. If too much oil is used, it can splash onto the burner, which is dangerous because overly hot oil can ignite and cause a fire. In addition, the fryer, as well as the hot cooking oil, can cause severe burns. According to the NFPA, fires caused by turkey fryers are responsible for approximately five fatalities, 60 injuries, the destruction of roughly 900 homes, and over $15 million in property damage each year. When frying a turkey, cooks should keep the following safety tips in mind:

• A turkey fryer should never be used inside or in a garage. It should be used outside, on a flat surface, a safe distance from the house, wooden decks, or covered patios.
• A fire extinguisher should be kept nearby and be ready to use if necessary.
• A turkey fryer should never be left unattended. A thermometer should be used to monitor the oil temperature to make sure that it does not get too hot or catch fire.
• A frozen turkey should not be placed into hot oil. The turkey needs to be completely thawed out first.
• Children and pets should not be anywhere near a turkey fryer.

Car accidents: Unfortunately, car accidents are more common during the holiday season because of a number of factors, including heavy traffic, speeding, distracted driving, and drunk driving. In fact, according to the National Safety Council, in 2017, the only holiday that had more travel-related fatalities was Independence Day.  Holiday travelers are urged to take the following steps to reach their destination safely:

• Motorists must not drink and drive. This should be obvious, but people continue to get behind the wheel after having too much to drink during a holiday celebration. Travelers should either plan to stay the night, pick a designated driver, or arrange for a ride home with a cab or a ride-sharing service.
• Drivers should allow for extra travel time. Thanksgiving weekend is known for having heavy traffic. In addition, the weather can be unpredictable this time of year. Drivers who take their time are less likely to drive too fast, tailgate, or swerve in and out of lanes.
• Loose items in the car should be secured. Keys, cups, food, and other loose items can cause injuries if they strike the occupants of the vehicle in an accident. Pets should also be properly secured in a harness of a safety belt so that they are not injured if the driver must brake suddenly.
• Drivers should pack an emergency kit that includes things such as flashlights, extra blankets, water, non-perishable food items, extra batteries, and a first-aid kit.

Break-ins: According to the American Heritage Group, when homeowners are traveling for the Thanksgiving holiday, their home may be vulnerable to break-ins. Unfortunately, thieves understand that homes are likely to be empty for days at a time over the Thanksgiving holiday, and they will take full advantage of the situation. There are proactive steps that homeowners can take to protect their belongings while they are away, including the following:

• Families should not post travel plans on social media. If a criminal sees the post and knows that the home will be vacant, they are more likely to break into the home. Homeowners should wait until they return from their trip to post pictures on social media outlets.
• Homeowners can put indoor lights on a timer and use motion detectors for outdoor lights. This can help deter people from trying to break into the home.
• Valuables such as jewelry, family heirlooms, and important financial documents should be locked up in a safe.
• Homeowners should arrange to have mail held or ask a neighbor to collect mail from the home. If a burglar sees mail accumulating outside the house, it can tip him or her off that the homeowners are away.
• A yard service company can be hired to clear away snow, ice, or leaves so it looks like the home is occupied.
• Homeowners should consider investing in an outdoor security system that can be monitored from anywhere.

How Can Homeowners Protect Their Property While They Are Away?

Homeowners should take the following steps to avoid potential problems:

• All appliances must be turned off before leaving the house, including washers, dryers, and dishwashers.
• Homeowners should turn off the water to the washing machine hose. If a hose breaks while no one is home, it can cause severe water damage.
• If there is an alarm in the home, it should be set before leaving the house. Many security alarms are equipped with fire alarms as well.
• Homeowners should consider investing in deadbolts, as they provide an additional level of security beyond the regular door lock.
• The pipes should be wrapped during the cold weather. This will help prevent them from freezing and bursting. Keeping the water heater on can also help prevent pipes from freezing.

What Precautions Can Be Taken for Those Hosting Thanksgiving?

When hosting a group of guests at one’s home, homeowners are urged to review their insurance policies to make sure that they are protected in the event of an unexpected accident. For example, before hosts send out invitations, it is highly recommended that they check the social host liability laws in the state so that they know their liability if a guest is injured or the property is damaged. Depending on the homeowner’s policy, it may deny protection for social host liability or it may limit the coverage, or it may not provide any coverage for a guest who gets behind the wheel after having too much to drink. Most insurance agents recommend carrying between $300,000 and $500,000 in liability protection. The Insurance Information Institute suggests that individuals who own a home and a vehicle should purchase an umbrella policy for as much as $1 million.

Los Angeles Property Damage Lawyers at ACTS Law Assist Clients with Property Damage Claims

If a fire, a car accident, or some other unexpected incident caused damage to your property, you are urged to contact the Los Angeles property damage lawyers at ACTS Law at your earliest convenience. We will closely review your insurance policy and thoroughly explain the financial benefits you are entitled to receive. Our skilled legal team will walk you through every step of the claims process and address all your questions and concerns. To schedule a free consultation, call us today at 833-ACTS-LAWopens phone dialer or contact us online.

With offices located in San Diego and Los Angeles, we serve clients throughout Southern California, including Orange County and Los Angeles County, encompassing Beverly Hills, Calabasas, Malibu, Santa Monica, Long Beach, Hidden Hills, Pasadena, San Marino, Brentwood, Encino, Newport Beach, and Foresthill.