LA Fires,
Insurance
Feb. 11, 2025
California Court of Appeal decision sets dangerous precedent for wildfire insurance claims
A recent California Court of Appeal ruling in Gharibian v. Wawanesa narrows the definition of "direct physical loss," potentially leaving homeowners affected by wildfire without proper insurance coverage for smoke, ash, and debris damage, exacerbating an already difficult situation for wildfire victims.
For years, insurance companies have been notorious for finding ways to minimize or deny legitimate claims, particularly in wildfire cases. Homeowners struggling with the devastation of smoke and ash damage have had to battle insurers who routinely downplay the toxic nature of wildfire contaminants and rely on paid "experts" to justify lowball settlements. Now, a new California Court of Appeal decision in Gharibian v. Wawanesa General Insurance Company gives these insur...
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