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TOWNSEND PYLE LLP
(833) 324-5399Free Case Review

Total loss fire claims

When everything is gone, every dollar of coverage matters. Small errors in a total loss claim can cost a family hundreds of thousands of dollars.

Key issues in a total loss

  • Whether policy limits are actually enough to rebuild today
  • Extended or guaranteed replacement cost endorsements
  • Code-upgrade (ordinance or law) coverage
  • Choosing to rebuild, buy elsewhere or take actual cash value
  • Contents inventories when nothing survived
  • Debris removal, trees, landscaping and other structures

How we help

We review the policy and every endorsement, look at how the limits were set, and press the insurer to pay what the policy truly provides. If you were underinsured because of how the policy was sold or renewed, that may raise separate questions worth exploring.

Questions we hear

I'm not sure I want to rebuild. Will I lose benefits?

Options and timelines depend on your policy and California law. Decide only after you understand what each path pays. We can walk through it in a free consultation.

Case Results

Selected results

Doe v. Doe InsurerTotal recovered$4,202,221Carrier first offered/paid$0Doe v. State FarmTotal recovered$3,115,882Carrier first offered/paid$77,137Doe v. Doe InsurerTotal recovered$1,711,507Carrier first offered/paid$945,140

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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.

Free case review (833) 324-5399