OPTION 1:    Do You Have Fire Insurance?

Insurance Recovery After the Pacific Palisades Wildfire
As an insured homeowner who lost your property in the Pacific Palisades wildfire, you're facing one of the most complex insurance claim processes imaginable. The stakes couldn't be higher - your entire financial future and ability to rebuild in the community hang in the balance. Learn about the deadlines and how much time you have to act before it's too late. Here's what you need to know:

The Pacific Palisades Rebuild Challenge

• Insurers typically undervalue claims, knowing most homeowners lack:
  • Complete property documentation after the fire
  • Understanding of current rebuild costs in our high-value area
  • Resources to fight their teams of adjusters and attorneys

How We Secure Your Full Recovery

1. Documentation Reconstruction
   • Work with contractors familiar with Palisades building codes
   • Utilize satellite imagery and pre-fire records to recreate your home
2. True Value Negotiation
   • Demand settlements reflecting actual Palisades construction costs
   • Account for:
     ✓ Premium materials required in our area
     ✓ Current labor shortages
     ✓ Code upgrades and defensible space requirements
3. Comprehensive Compensation
   • Structure claims to cover:
     • Architectural plans and permitting
     • Temporary housing during extended rebuild timelines
     • Lost valuables and personal property
     • Smoke-related health impacts

When Insurers Won't Cooperate
We're prepared to:

• File bad faith claims under California insurance codes
• Litigate through Los Angeles Superior Court if needed
• Leverage our experience with Palisades-specific cases

Urgent Timeline Considerations
California law requires:
✓ Most insurance disputes to be filed within 12 months
✓ Proof of loss submissions within strict windows
✓ Prompt action to preserve all recovery options

Why Pacific Palisades Homeowners Choose Us

• Local attorneys who understand our community's unique needs
• Track record of maximizing settlements for Palisades clients
• No-cost initial consultation to review your policy

Insurance companies bank on you giving up. We make sure they pay what it actually takes to rebuild your Palisades home.

OPTION 2:   Are You Under-Insured / Uninsured?

Rebuilding After the Wildfire: Options When Insurance Falls Short
For Pacific Palisades homeowners left vulnerable by insurance cancellations or inadequate coverage, the path forward requires strategic legal guidance. Here's what our community should know:

Pacific Palisades-Specific Recovery Options

1. Utility Company Liability Claims
   • Investigating negligence by power companies and people responsible
   • Pursuing compensation through California's inverse condemnation laws
2. Government Disaster Programs
   • FEMA and SBA loan applications
   • Local rebuilding grants and tax relief options
   • California's Wildfire Assistance Programs
3. Mortgage Crisis Solutions
   • Negotiating with lenders for forbearance or loan modifications
   • Exploring eminent domain protections for underinsured properties

Why Immediate Action Matters
California's strict deadlines apply to:
✓ Property damage claims deadlines
✓ Personal injury lawsuits deadlines
✓ Joining class actions deadlines to file/join

What a Consultation Reveals
We'll help you understand:

• Active lawsuits from other Palisades homeowners
• Whether you qualify for existing legal actions
• Alternative funding sources for rebuilding
• Your rights regarding mortgage obligations

Our Commitment to Pacific Palisades
As local attorneys, we're personally invested in helping our community:
✓ No-cost initial case evaluations
✓ Transparent explanation of all options
✓ Contingency-based representation

When insurance companies walked away from our community, we didn't. Let's explore every possible path to rebuild Pacific Palisades together.

OPTION 3:   Lawsuits You Can File / Join

Understanding Your Litigation Options After the Pacific Palisades Fire
While legal action may not be your immediate focus, being fully informed ensures you can make empowered decisions about your family's recovery before too much time passes so you know how much time you have to make a decision. There is a statute of limitations that mandates that you file or act within a certain period of time for different legal issues, most commonly within 12 months.

Here's what Palisades homeowners and victims of the wildfire should consider:

Potential Legal Pathways

1. Utility Liability Claims
   • Investigating the negligence that contributed to the fire
   • Pursuing compensation through California's inverse condemnation laws
2. Insurance Bad Faith Lawsuits
   • Challenging wrongful claim denials or underpayments
   • Seeking damages when insurers fail to honor policies
3. Class Action Participation
   • Joining existing suits filed by other Palisades homeowners
   • Exploring mass tort claims against responsible parties

Critical Timelines for Palisades Residents
California law requires action within:
✓ As little as 6 months for some government claims
✓ Typically 12 months for most civil lawsuits
✓ Varying deadlines for joining class actions

What a Free Consultation Provides
✓ Clear explanation of active Palisades fire litigation
✓ Assessment of your potential claims
✓ Exact deadlines that apply to your situation
✓ Strategic options with no obligation

Why Knowledge Matters Now

• Many legal options disappear if deadlines pass
• Early documentation preserves evidence
• Understanding the landscape helps plan your recovery

We're Here to Help Our Community Rebuild
As Pacific Palisades attorneys, we offer:
• Local expertise with wildfire cases
• Compassionate guidance through difficult decisions
• Commitment to helping neighbors restore our community

You deserve to make decisions from knowledge, not uncertainty - let us help you understand all your options.