Free consultation. No fee unless we win.3110 Camino del Rio South, Suite 314, San Diego, CA 92108Call (833) 324-5399

Fire and property insurance claims for California policyholders

When a fire takes your home or business, your policy is supposed to put you back on your feet. If the insurer is stalling, lowballing or saying no, we step in on your side, not theirs.

Claims we handle

Where we can help

Wildfire Claims

Help for California homeowners and businesses whose wildfire insurance claims are being underpaid, delayed or denied.

Learn more

House & Business Fires

Representation for California home and business owners after a structure fire when the insurance company won't pay what the policy owes.

Learn more

Smoke, Soot & Ash Damage

Smoke, soot and ash damage claims for California homes and businesses, including homes near but outside a wildfire's burn area.

Learn more

Total Loss Claims

Help with California total loss fire claims, including underinsured homes, policy limits disputes and rebuild-versus-replace decisions.

Learn more

Contents & Underinsurance

Personal property (contents) insurance disputes and underinsurance problems for California fire victims.

Learn more

Loss of Use & ALE

Help when an insurer cuts off or underpays additional living expenses (ALE) or fair rental value after a California fire.

Learn more

Denied & Delayed Claims

If your California property insurance claim was denied, stalled or underpaid, Townsend Pyle LLP can review it for free.

Learn more

Los Angeles Fires (2025)

Insurance claim help for homeowners, renters and businesses affected by the January 2025 Los Angeles County wildfires.

Learn more

Utility-Caused Wildfires

When power lines or utility equipment cause a wildfire, injured people and property owners may have claims beyond their own insurance.

Learn more

Water, Theft & Other Losses

Help with California property insurance disputes over water damage, theft, vandalism, business interruption and rental loss.

Learn more

Insurance Bad Faith

California insurance bad faith lawyers for policyholders whose insurers unreasonably denied, delayed or underpaid valid claims.

Learn more

Your policy is a promise. We hold insurers to it.

After a fire, you shouldn’t have to become an expert in depreciation schedules, code-upgrade coverage and contents inventories. Yet that is what many insurers expect. We represent policyholders throughout California, including homeowners, renters, landlords and businesses, at every stage of a claim: from early documentation to appraisal, litigation and trial.

Signs you should talk to a lawyer

  • Your claim was denied, or only partly paid
  • The rebuild estimate is well below contractor bids
  • Months have passed without a clear decision
  • Your living-expense benefits are ending before you can go home
  • You’re being pressed to sign a release or accept a “final” payment

Hiring a lawyer early can help. Many claim problems are easier to fix before positions harden and deadlines approach.

Case Results

Selected results

See all results →

Results obtained by Eric D. Townsend and Jacob B. Pyle.
Prior results do not guarantee a similar outcome. Results described on this site are examples of past matters and do not predict or guarantee the result of any future case. Every case is different and depends on its own facts and the law. Amounts shown are gross recoveries, before attorney’s fees and costs. Where shown, “carrier first offered/paid” is what the insurer had offered or paid before the client retained counsel. Client names and identifying details are omitted.

Tell us what happened. The review is free.

Talk with a California trial lawyer about your claim or injury. Free consultation. No fee unless we win.