Each year, California wildfires destroy homes and expose a growing problem: underinsurance. Many homeowners discover their policies won’t fully cover rebuilding costs due to outdated estimates and cov...
When Uber or Lyft accidents lead to arbitration, many Californians lose their right to sue because of misunderstood deadlines. This post breaks down California’s CCP §1281.12 and explains how a short ...
On March 7, 2025, the California Department of Insurance issued Bulletin No. 20257 confirming that smoke damage may be covered under homeowners policies that insure against “direct physical loss or da...
Most employer disability plans are governed by ERISA, a federal law that sets strict rules for claims and appeals. This guide explains which plans are covered, the 180-day appeal deadline after a deni...
