Denied or Lowballed on Your Eaton Fire Insurance Claim? We Fight Back.

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KBK Lawyers represents Altadena, Pasadena, La Cañada, and Sierra Madre homeowners against insurance carriers that denied claims, underpaid losses, or cut off Additional Living Expense after the January 2025 Eaton Fire. Free, confidential case review. No fee unless we recover money for you.

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Holding Insurance Companies Accountable

Our firm recovered $1.8 million for a Woolsey Fire homeowner — after the carrier had already paid the insured over $1 million on the same claim. That is the kind of recovery the law allows when a California insurance carrier acts in bad faith. (Attorney Advertising. Past results do not guarantee a similar outcome.)

Why Carriers Are Underpaying Eaton Fire Claims

Every major California wildfire produces the same pattern of insurance carrier underpayment, and the Eaton Fire is no exception. Common issues include:

  • Paying Actual Cash Value (ACV) when the policy provides for Replacement Cost Value (RCV).
  • Lowballing personal property and contents claims using consumer-grade pricing that fails to reflect the true value of the items lost.
  • Denying smoke and ash damage as merely “cosmetic” when professional remediation is necessary.
  • Terminating Additional Living Expense (ALE) benefits long before the actual rebuild is complete.
  • Ignoring ordinance and law coverage needed to rebuild in compliance with current California building codes.
  • Disputing coverage under the California FAIR Plan or supplemental insurance policies.
  • Delaying investigations and claim decisions for months while policyholders continue paying expenses out of pocket.

An experienced California insurance bad-faith attorney who has confronted these tactics before—and who has handled claims arising from some of the largest wildfire disasters in state history—knows where and how to challenge improper claim practices.

We Pursue Substantial Wildfire Insurance Recoveries

KBK Lawyers focuses on California wildfire insurance disputes involving substantial unpaid policy benefits — typically cases where at least $200,000 in coverage remains in dispute. We work entirely on contingency: no fees up front, and our percentage is among the lowest in the California plaintiffs’ bar for this kind of work. If your matter is not a fit for our practice, we will tell you on the first call and, where appropriate, point you to a firm that can help.

What KBK Lawyers Has Recovered

$250M+

Northridge earthquake insurance bad-faith claims

$9M+

Station Fire smoke-damage class settlement for over 1,000 policyholders

$1.8M+

Woolsey Fire bad-faith recovery after the carrier had already paid seven figures

$1.7M+

in a water-damage bad-faith case

Our founding partner, Brian Kabateck, is a past President of Consumer Attorneys of California and a past President of the Consumer Attorneys Association of Los Angeles, and he has been quoted in the Los Angeles Times and on national news on California insurance and consumer cases.

What We Recover for Eaton Fire Survivors

Depending on the facts of your case and the terms of your policy, you may be entitled to recover:

  • The full Replacement Cost Value (RCV) of your home, not a depreciated Actual Cash Value payment.
  • Code-upgrade coverage required to rebuild in compliance with current California building codes.
  • Full Additional Living Expenses (ALE) for the actual duration of the rebuild. California Insurance Code Section 2051.5 generally requires at least 36 months of ALE benefits for wildfire-related losses.
  • The full cost of smoke, soot, and ash remediation.
  • Personal property and contents losses at Replacement Cost Value when properly documented.
  • Damages for insurance bad faith when a carrier’s conduct goes beyond a breach of contract.
  • Statutory penalties available under California insurance law.
  • Punitive damages in cases involving malicious, fraudulent, or oppressive conduct by an insurance carrier.

Speak With Our Experienced Team

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Deadlines

Wildfire-related policies must give at least two years for suit under California Insurance Code section 2071, putting most Eaton Fire deadlines at January 7, 2027. Bad-faith tort claims run on the two-year personal injury limit. We map every deadline at the first call.

Frequently Asked Questions

What does it cost to have my Eaton Fire case reviewed?

Nothing. The first consultation is free and confidential. If we take the case, we work on a  20% contingency fee — among the lowest in the California plaintiffs’ bar for this kind of work. We only get  paid if we recover money for you.

Often, yes. Partial payment does not end the claim. Many of the strongest bad-faith cases involve  carriers who paid a fraction of what they owed and then declared the matter closed. Bring the carrier’s  payment letters and policy to a free consultation.

Most California first-party insurance bad-faith cases resolve in 12 to 24 months. Mass wildfire matters that coordinate with the broader Eaton Fire litigation can take longer. We give you a realistic timeline at intake.

Attorney Advertising. Past results do not guarantee a similar outcome.