What happens if I can't prove my losses with documentation?

If you are unable to provide sufficient documentation to prove your losses due to a fire in California, you can still be compensated. California Insurance Code § 2071 requires that insurers use the "principle of indemnity" when processing and settling fire insurance claim disputes. This means that insurers should strive to return the claimant to the same financial position they were in before the loss occurred. In order to receive a claim without proper documentation, claimants must be able to demonstrate to the insurer that the full extent of the loss was suffered and adequately described. To do this, it is helpful to provide documentation such as photographs, witness statements, repair estimates, or a list of the items that were damaged or destroyed. In the absence of adequate documentation, an insurer may use other acceptable forms of proof, such as the sworn testimony of the claimant. The claims process can be complicated and it is important to remember that each case is unique. If you are unable to provide the necessary proof to support your claim, it is strongly advised to consult with an experienced fire insurance lawyer to guide you through the process. A qualified attorney can help you present the evidence needed to support your claim and advocate on your behalf when settling your fire insurance claim dispute.

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What happens if I can't prove my losses with documentation?

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