Policyholders across California deserve timely, fair insurance payouts, especially after wildfires and other catastrophes. Denham Law is expanding its footprint to support Californians facing delayed, underpaid or denied claims, drawing on our experience across first-party property and injury dispute.
What Denham Law brings to California
California policyholders have faced billions in insured losses from recent wildfire seasons, with tens of thousands of claims filed and ongoing recovery needs. Independent and regulatory reporting indicates insured losses tied to the Los Angeles-area fires alone have reached the tens of billions, with more than 37,000 claims reported and over $12 billion paid out to date. This pressure on households and businesses makes robust policyholder representation more important than ever. (Source: Moody's)
We focus on first-party property and injury claims, challenging insurer delay tactics, underpayments and wrongful denials, including bad-faith conduct so clients can rebuild faster with the benefits their policies actually promise. Our team has advocated for policyholders across multiple US states and is now scaling that support for California communities
- California claims initiative: We are investing in resources dedicated to California policyholders, including intake, loss-valuation support and litigation readiness for large-loss property claims (e.g., wildfire, wind, water and total-loss events.
- Scalable support: Our model prioritizes documentation, expert assessment and negotiations to unlock interim and final payments owed under the policy, escalating to litigation where insurers act unreasonably or in bad faith
Types of California matters we expect to handle
- Wildfire total-loss and partial-loss property claims (dwelling, contents, ALE)
- Commercial property and business interruption claims
- Underpaid scope/valuation disputes and appraisal enforcement
- Bad-faith investigations, unreasonable delay and denial challenges
- Water, wind and smoke damage claims tied to declared events
Our founder’s commitment
Founded by J. Bart Denham, Denham Law advocates for people and businesses when insurers fall short of their obligations. The California growth initiative continues that mission in focussing on fair claim outcomes backed by thorough evidence and assertive negotiation or litigation where required.
Frequently asked questions for California
Is Denham Law already taking California cases?
Yes, we are actively speaking with California policyholders today.
What if my insurer has already paid part of my claim?
Partial payments are common after large-scale events; many claims are still under-scoped or under-valued. We review your policy, loss evidence and prior payments to pursue any shortfall. Recent reporting shows the scale and complexity of California claims following major fires.
Why is specialist help needed in California right now?
California’s recent wildfire seasons have driven exceptional claim volumes and losses. Independent analyses place insured losses in the tens of billions, with knock-on effects for claims handling and timelines, making strong policyholder advocacy critical.
What kinds of properties do you help with?
Single-family homes, multi-unit residential, and commercial/industrial properties, plus related business interruption and additional living expense claims.