Understanding the extent and limits of your policy coverage, assessing the value of lost or damaged property, and making insurance claims can be complex and challenging – especially in distressing times when access to resources, finances, and crucial paperwork is compromised.

Under California’s Fair Claims Settlement Practices Regulations, insurance companies are required to meet certain requirements in their communications with you, act in good faith, and conduct cooperative investigations. Under Cal. Ins. Code 2051.5(b)(2), insurers are also required to provide additional living expenses (ALE) coverage for up to 24 months after the state has declared a “disaster,” and more.

What Your Insurance Likely Covers


  • Home
  • Other structures, like detached garages, storage sheds, and fences
  • Furnishings, art, appliances, electronics, and other personal belongings
  • Debris removal
    WARNING: at a future unknown date, the Federal Emergency Management Agency (FEMA) or your local government may seek reimbursement for this expense if they perform the debris clean up activities.
  • Landscaping
  • Additional Living Expenses, such as clothing, meals, and food


  • Damaged or destroyed personal belongings
  • Additional Living Expenses

Typically, landlords’ insurance policies do not offer benefits to lessees.

Business Owners

  • Damaged or destroyed land, trees, and vegetation, including vines and other crops
  • Damaged or destroyed property and outbuildings
  • Injured or deceased livestock
  • Revenue losses from lost business or an inability to conduct business

What's the Real Replacement Value?

Lost Trees

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Our Team

Steve Lopez represents consumers and employees who have been harmed by corporate misconduct. He has prosecuted a variety of consumer protection cases ranging from false advertising to defective products, as well as complex employment cases involving misclassification and wage and hour claims brought under state and federal laws.

Steve Lopez

Gibbs Law Group LLP

Kristine has been named one of the Top 50 women lawyers in Northern California by Thompson Reuters and San Francisco Magazine, as well as one of the Top 100 Super Lawyers in Northern California.

Kristine Meredith

Danko Meredith

Mike has frequently listed as one of the Top 100 Super Lawyers in Northern California and has been this year named Trial Lawyer of the Year by the San Mateo Trial Lawyers Association. He has been honored with a nomination for Trial Attorney of the Year by the Consumer Attorneys of California. He has been named among the Best Lawyers in America consistently since 2009.

Mike Danko

Danko Meredith

In addition to his work representing victims of the PG&E gas line explosion and Butte fires, Dario helped to achieve a record-breaking settlement in an insider trading case implicating CEO of Oracle Larry Ellison. Dario in a Stanford Graduate and is often called upon by the courts to act as arbitrator in certain matters. He has served as adjunct professor of law at Canada College since 1998.

Dario de Ghetaldi

Corey, Luzaich, de Ghetaldi & Riddle

Amanda was appointed by the court to serve as co-liaison counsel for all the victims from the San Bruno fires. She currently serves as court-appointed co-liaison counsel for over 3,000 victims involved in the Butte Fire litigation. She has been a finalist for the Consumer Attorneys of California’s Woman Advocate of the Year Award. She also co-founded the San Mateo County Bar Association Legal Clinic Committee, which provides on-site legal services to residents of Shelter Network and Samaritan House’s homeless shelters on the Peninsula.

Amanda Riddle

Corey, Luzaich, de Ghetaldi & Riddle

Eric brings over two decades’ experience representing clients against large and powerful defendants including utility companies, banks, pharmaceutical companies, auto makers, tech companies, and others. The Daily Journal named Eric to its prestigious list of “Top Plaintiff Lawyers in California” for 2016 and Law360 recognized Eric as a “2016 Consumer Protection MVP,” the only plaintiff-side lawyer in the country selected in that category. Consumer Attorneys of California selected Eric as one of the finalists for the Consumer Attorney of the Year award for work in achieving $100 million settlement for customers against Chase Bank.

Eric Gibbs

Gibbs Law Group LLP