Property Damage

When property is damaged, the fight is often with an insurer that delays, underpays, or denies a valid claim. The Masjedian Law Firm helps California property owners hold the responsible party — and the insurance company — accountable for the full cost of the loss.

Matters we handle. Damage to homes, vehicles, and commercial property from fire and smoke, water and flooding, vehicle collisions, construction defects and neighboring work, and third-party negligence. We also pursue disputes over denied, delayed, or underpaid first-party insurance claims.

Insurer bad faith in California. California law requires insurers to handle claims fairly and in good faith. When an insurer unreasonably denies or underpays a covered loss, drags out the investigation, or fails to communicate, it may be acting in bad faith — which can expose it to liability beyond the original claim amount. Reading the policy correctly and documenting the insurer’s conduct are central to these cases.

Building the damage claim. The amount owed is frequently disputed, so proof matters: photographs, repair and replacement estimates, contractor and expert assessments, and a clear record of what the property was worth and what it will cost to restore. We assemble that evidence so the claim reflects the true cost — not the insurer’s first number.

My insurer underpaid — do I have recourse? Possibly. If the insurer unreasonably underpaid or denied a covered loss, you may have a claim for the balance and, in some cases, for bad-faith conduct.

Should I accept the first estimate? Not before you understand the full scope of the damage. First estimates are frequently low; an independent assessment often tells a different story.