Eaton Fire Insurance Claims 

Getting You the Coverage You Deserve 

If you're facing insurance denials or delays after the Eaton Fire, you're not alone—and you have rights. The Eaton Fire devastated communities across Southern California, leaving homeowners reeling from both physical damage and lingering environmental concerns. But for many, the most frustrating challenge has come after the fire—when insurance companies failed to uphold their promises. 

At the California Fire Victims Law Center, founded by local attorney Kiley Grombacher who evacuated with her own family during the fires, we’re helping homeowners take on insurance providers who are denying, delaying, or underpaying legitimate fire-related claims.  

Partnering with nationally recognized trial attorney Bryan Aylstock, we bring both local knowledge and proven litigation experience to your case. Whether your home was damaged, destroyed, or contaminated, you may be entitled to compensation, and we’re here to help you secure what you deserve. 

The Insurance Problem 

After the fire, residents expected their insurance policies to cover repairs, property loss, and environmental cleanup. Instead, many have encountered: 

  • Denied claims for fire-related damage or post-fire contamination 

  • Delays in receiving payments, sometimes for months 

  • Partial or lowball payouts that fall short of repair and remediation costs 

  • Disputes over policy language, especially around terms like "direct physical loss" 

  • Dismissals of contamination concerns as unrelated or "not covered" 

These tactics leave homeowners in financial limbo, struggling to rebuild, clean up, or even live safely in their own homes. 

If your claim was denied or underpaid, you’re not alone. And you may have legal options. 

Why Insurers Often Wrongly Deny and Underpay Coverage 

Insurance companies often use technicalities to avoid paying what policyholders are rightfully owed. In cases related to the Eaton Fire, some providers are refusing coverage for issues that are clearly related to the wildfire, such as: 

  • Smoke and ash damage to property and HVAC systems 

  • Toxic residue requiring professional remediation 

  • Structural impacts from extreme heat and ember intrusion 

  • Extended loss-of-use due to unsafe living conditions 

Many policies should cover these types of damage, yet insurers may wrongly argue that there’s no "physical loss" or that environmental remediation isn’t necessary. 

We help clients challenge these positions by advocating for you with expert support and proven legal strategies. 

What You Can Do 

If you’re facing insurance issues related to the Eaton Fire, you may be able to: 

  • Reopen or appeal a denied claim 

  • Pursue the full amount your policy entitles you to 

  • File additional claims for related damage or cleanup 

  • Seek compensation for delayed or bad-faith handling of your case 

Early legal intervention can make a significant difference in your outcome. 

Legal Action Against Southern California Edison 

In addition to insurance claims, homeowners affected by the Eaton Fire may have a legal case against Southern California Edison (SCE), the utility suspected of causing the fire. This is a completely separate avenue for compensation that you may pursue regardless of your insurance claim status. 

Preliminary investigations suggest that SCE: 

  • Failed to properly maintain electrical infrastructure 

  • Did not trim vegetation near power lines in high-risk areas 

  • Ignored red flag warnings and failed to shut off power during extreme conditions 

If your home was impacted—by fire, smoke, or contamination—you may have a valid claim against SCE, even if your insurance claim was denied, paid only partially, or is still pending. Many fire victims are eligible for both insurance recovery AND utility company compensation. 

At CFVLC, we are pursuing litigation against SCE on behalf of homeowners, helping them seek full recovery for their losses, beyond what insurance covers. As investigations continue and evidence emerges, having legal representation early can protect your rights to this additional compensation. 

Contact Us 

If you’re struggling with your insurance company after the Eaton Fire—or unsure where to start—contact CFVLC today. We offer free consultations with no obligation and can help you understand your rights, your policy, and your path to recovery. You paid for protection. Let us help you make sure you receive it. 

Call us at 1-310-870-1529 or fill out our contact form.  

We work on a contingency fee basis—we only get paid if we win for you.