Fire claims often are denied when your insurance company decides that the cause of the fire was arson or vandalism. In reviewing your insurance policy your intentional conduct is excluded, not the intentional conduct of a third person that decides to burn your house, business, or building.
In California fire is not considered vandalism unless your insurance policy specifically states under the vandalism exclusion that fire is vandalism. If your insurance policy does not identify fire as vandalism then it is not excluded.
A denial or delay in paying an insurance claim could cause you an extreme financial hardship. You don’t have to accept what your insurance company is offering you. You don’t have to accept your claim being denied.
We pursue insurance bad faith cases on a contingency basis so you will pay no attorney’s fees until there is a recovery on your insurance claim that was wrongfully denied.