Catastrophic Property Loss

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A catastrophic property loss can be incredibly devastating for a homeowner, both emotionally and financially. For homeowners in states like California, Washington, and Oregon, wildfires are a frequent cause of catastrophic property loss. In most cases, homeowners have insurance to cover the damage and help them recover from the loss. However, insurance companies often deny these claims, leaving homeowners with no idea how to move forward. Monahan Tucker Law understands how to navigate catastrophic wildfire property loss claims that are denied and can help homeowners recover the compensation they deserve.

Reasons for Claim Denial

There are a number of reasons why insurance companies deny catastrophic property loss claims. One of the most common reasons is the occurrence of “uncovered events.” Insurance policies typically have specific limits for what is covered and what is not. If the event that caused the property damage is not listed in the coverage policy, the claim will be denied. Insurance companies may also deny claims by alleging that the policyholder has not been truthful in their claim or there is evidence of fraud.

Disputes Over Policy Language

Another common reason for claim denials is a dispute over the policy language. Insurance policies are filled with complex legal terms and fine print that can be difficult for homeowners to understand. In some situations, the insurance company may deny the claim, citing a clause in the coverage policy that homeowners may not have been aware of.


All too often, homeowners learn after their house is destroyed in a wildfire that they are horribly underinsured and cannot afford to rebuild. The insurance company points at the owner and blames them for “choosing” the wrong amount of insurance, despite the fact that the insurance company set the limit. Your insurer will tell you that it bears no responsibility for the amount of insurance. Your insurer is wrong. The California Department of Insurance and California courts have been steadily identifying unfair practices of insurance companies that result in underinsurance, and those practices can be the basis for a lawsuit seeking contract reformation and alleging breach of contract.

The Importance of Legal Representation

Given the complexity of catastrophic property loss claims, the advice of an experienced attorney can be invaluable. At Monahan Tucker Law, we have extensive experience with property damage claims and insurance company disputes that arise from wildfires. We have assisted many homeowners in achieving resolutions that include full and fair compensation for the damages suffered.

Keys to Success

The key to successful property loss claims is a careful review of the policy language and documentation surrounding the event. Our legal team diligently reviews all aspects of a homeowner’s insurance policy to ensure our clients have a complete understanding of their rights and coverage. We also work with experienced experts in the fields of engineering, construction, and accounting to calculate the extent of the losses and present persuasive evidence to support our client’s claim.

Don’t Hesitate to Seek Legal Help

If your catastrophic property loss claim has been denied, don’t hesitate to seek legal help. At Monahan Tucker Law, our team of skilled attorneys has the knowledge and experience to help you navigate the complexities of property damage claims and insurance disputes. We will vigorously pursue your rights and work diligently to secure just compensation for any losses you’ve suffered.

Catastrophic property loss is a serious issue that homeowners may face in their lifetimes, especially if they live in an area where wildfires are common. Unfortunately, homeowners often find that their catastrophic property loss claim is denied by the insurance company. This is why it is important to have an experienced legal team on your side. At Monahan Tucker Law, we are committed to helping homeowners recover the compensation they deserve following a catastrophic property loss. Our team of skilled attorneys will guide you through the complexities of the claims process and will work tirelessly to ensure you receive the compensation you need to put your life back together. Don’t wait to seek legal help. Contact Monahan Tucker Law today, and let us fight for your rights.

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Roadmap to Resolution


Our attorneys have decades of experience with insurance litigation and an unparalleled track record of success.


Your trust is important to us. From our first consultation through litigation, we will be transparent with you, and we will hear you every step of the way.


We are one of the rare firms that can provide first-hand knowledge of how your insurer thinks and reacts, and has consistently prevailed in some of the most complex and high value insurance disputes seen in ERISA and non-ERISA litigation.


Our attorneys trained at some of the most aggressive large law firms in the world. Though we believe there are usually better ways to litigate and resolve disputes, our opposition does not always agree. When necessary, we are masters of unrelenting, tenacious litigation. When you hire us, you turn the insurer’s previous weapon against it.


We do this work because we want to be here, for you. We understand what you have been through, and that everyone has times where they need support. One of the strongest steps for yourself and your family is to ask us for help. Together, we’ve got this.

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Helping clients in California, Oregon, Washington, Nevada, and Arizona.