Legal Question in Insurance Law in California

my house burnt down along with landlords house me and my kids lost everything in the fire the land lord might have been going into forclousre he had insurance for his house but no renters insurance on mine which was on same property i called his insurance to file a claim on our stuff and they took my statement but said that i could only make claim if landlord was found in some way responsible for the fire the day the fire happened he was in jail and that was july 9th 2011 the insurance company still have not determined the cause of the fire but they are giving landlord money i called insurance co they keep saying same thing and that they will call me if something happens but their not the whole property was filled with fire hazards and thats why the fire was so hard to put out i need help im 27 single mom of two 11yrs and 7yrs and we lost everything in the fire we lived there for five years now we homeless what do i do


Asked on 10/05/11, 7:55 pm

2 Answers from Attorneys
Herb Fox Law Office of Herb Fox

Your landlord's insurance company probably has no obligation to you or your family, only to your landlord (unless, perhaps, you were actually living in your landlord's home rather than a seperate rental unit on the property)

You should consult with a competent attorney to determine whether you have grounds to make claims against or sue your landlord, or perhaps a third party who may have caused the fire. Once you make a claim against your landlord, his insurance company might then be required to defend him and perhaps pay you. Much will depend on the cause of the fire and the condition of the property as it may have contributed to that cause.

You should contact the lawyer's referral service of the San Diego County Bar Association for referrals to local attorneys. I also work with a network of attorneys who handle cases such as throughout southern California, and I might be able to find an attorney for you to consult with.

You can call my office toll free: 800-988-4807.

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Answered on 10/05/11, 10:18 pm
Michael Stone Law Offices of Michael B. Stone Toll Free 1-855-USE-MIKE

You will need to make a claim against your own renter's insurance.

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Answered on 10/05/11, 10:53 pm


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