Fire Damage Claims · Wildfires · Structure Fires · Smoke Damage

Insurance Pays the Policy. We Make Sure It Does.

After a fire, you have one job: rebuild your life. Insurance carriers have one job: minimize the payout. Central Law Firm forces them to honor the policy you paid for — wildfire, structure fire, or smoke damage.

Central Law Firm · Serving all of California

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Confidential. No obligation. Central Law Firm typically responds within an hour.

Meet Your Law Firm

After the Fire, the Real Fight Begins.

California fire damage claims are some of the most contested insurance disputes in the state — wildfires, kitchen fires, electrical fires, smoke damage from a neighboring property. The carrier's first offer is almost always far below what your policy actually owes.

Replacement cost vs. actual cash value. Code upgrades. Additional living expenses (ALE). Smoke remediation. Contents inventory. Loss of use. Each of these is a battleground. We'll inventory every item, document every line of damage, and demand the policy limits the carrier hoped you'd never ask for.

And if the carrier acts in bad faith — delays, denies, or undervalues without justification — California law allows recovery beyond the policy itself. We pursue that too.

— Michael M. Isaac, Esq.

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We Handle

Every Fire Damage Claim Matter, Handled Personally.

No paralegal-passing. No one-size-fits-all advice. Central Law Firm personally reviews every case that walks through the door.

Underpaid Structure Claims

Carriers cap reconstruction estimates. We force fair market rebuild costs.

Contents Disputes

Personal property inventory often missed. We document every item.

ALE / Loss of Use

Hotel, rental, meals — fully covered. Carriers under-pay this routinely.

Code Upgrade Coverage

Rebuilding to current code costs more. The policy covers it.

Smoke Damage

Often denied entirely. We prove the contamination and force payment.

Bad Faith Conduct

Unreasonable denials trigger extra-contractual damages.

How It Works

Three Steps. One Outcome.

A straightforward process — designed to give you clarity from the first phone call.

1. Free Consultation

Call or submit the form. Central Law Firm personally reviews your situation — usually within the hour.

2. We Build Your Case

Evidence, documentation, expert testimony — every detail prepared before a court hears your name.

3. We Fight & Win

Whether at the negotiation table or in the courtroom — Central Law Firm fights for the outcome you deserve.

From Real Clients

What Central Law Firm's Clients Say

Verified reviews from Google and Yelp — clients who came to Central Law Firm when it mattered most.

★★★★★

The team at Central Law is not only friendly and informative, they were able to help me out with my roof wind damage and subsequent water damage claim. My insurance company had initially denied responsibility. I was able to fix my roof, replace all of my damaged personal items and obtain money. The team took care of everything for me and kept me in the loop every step of the way.

Arpie M.

Santa Cruz, CA

Yelp

★★★★★

Central Law Firm is truly fabulous. They are honest and caring. I was at my wits end with an insurance claim. They went to battle for me and I could not be more satisfied. Every person associated with this firm is top notch.

April C.

Google

★★★★★

I write demand letters for several law firms, including Central Law Firm and can tell you 1st hand how well the claims are put together and presented for settlement. The case managers take time with each file and client and ask/present all quality of life information to the adjusters in order to secure the highest settlement amount possible.

Demands

Google

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FAQ

Frequently Asked Questions

Answers to the questions we hear most from clients considering Central Law Firm.

How long do I have to file a fire claim?

Notify the insurer immediately. The lawsuit deadline for breach of an insurance policy in California is generally one year from the date of loss — much shorter than other contract claims. Don't wait.

What if my claim is denied?

Denials are not final. We file suit for breach of contract and bad faith — and many denials reverse before trial when the carrier sees the file.

Replacement cost or actual cash value — what's the difference?

Replacement cost = cost to rebuild today. Actual cash value = replacement minus depreciation. California law often allows recovery of full replacement cost — we make sure you get it.

Do I need a public adjuster or a lawyer?

Different roles. A public adjuster prepares the claim. A lawyer fights it. Many clients use both — but only a lawyer can sue when the carrier won't pay.

What's bad faith?

When the insurer unreasonably delays, denies, or underpays without reasonable basis. California allows recovery of attorneys' fees and sometimes punitive damages.

Don't Wait. Your Case Timeline Starts Now.

Talk to Central Law Firm. Today.

Available 24/7. Weekend appointments. Serving clients all across California.

Call (818) 660-2536 Get Free Case Review