What are Homeowner Claims?
John T. Richards, APLC has handles complex commercial and residential insurance claims after a fire or flood loss. John T. Richards, APLC works with many of the Public Adjusters in San Diego County who are licensed by the Department of Insurance to represent members of the public in presenting their claims to insurance companies. When the claims that Public Adjusters are handling start to involve legal issues, or if the insurance companies outright deny the claims, John T. Richards, APLC litigates the claims on behalf of the homeowner or commercial building owner against the insurance companies.
The passion of Mr. Richards representing policy holders began in 2003 when his sister lost her home in the Cedar Fire that burned through Harbison Canyon. She called her carrier the day after the fire only to be told that she had no insurance at all because it was supposedly cancelled months before. In representing his sister, Mr. Richards realized that if insurance companies would deny claims of the family members of attorneys who handle Bad Faith Insurance claims, then other members of the public without legal expertise had little chance. Since 2003 a major portion of the practice of John T. Richards, APLC is handling claims of homeowners and commercial building owners against the insurance companies who insure them.