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Earthquake Insurance Claims

The law firm of Michael T. Chulak & Associates is available to consult with homeowner association boards and property owners anywhere in California, affected by natural and man-made disasters of all types including earthquakes, fires, landslides and water intrusion caused by el niņo and other conditions.

Michael T. Chulak & Associates can assist you with disaster preparedness, the adjustment of insurance claims, reconstruction, referrals to other consultants, and if necessary, insurance bad faith claims. We have attorneys who practice in the following relevant areas of law:

  Insurance, Insurance Bad Faith

  Homeowner Associations

  Construction, Reconstruction

  Construction Defects

  Real Estate

  Water Intrusion, Mold

  Litigation, including partition actions


Post Earthquake Responses to Severe Earthquakes

Please contact us for a no cost consultation.



Claims Adjuster Tricks

Insurance Company Tricks

How Insurance Companies Deny, Delay, Defend, Confuse, and Refuse

In order to increase profits and employee bonuses, some insurance company adjusters and insurance companies have done the following:

Attempt to obtain an admission (sometimes recorded) that the insured was partly at fault in order to reduce the amount paid.
Discourage the insured from consulting with an attorney to protect his or her rights. The most common technique is to state that an attorney will receive a percentage that does not have to be paid because the insurance company will treat the insured fairly.
If you are seriously injured, attempt to contact you and record a statement while you are in the hospital taking strong medication for pain (e.g., morphine). Under such circumstances, it is easy for a trained adjuster to obtain a recorded statement that will compromise your right to compensation.
During the recorded interview, if your explanation of what happened is favorable to you, the adjuster will interrupt you constantly in order to confuse your explanation or make it less effective if used at a later date. They will also attempt to change the subject by interrupting if it suits their purpose.
If you are seriously injured, they may attempt to settle very quickly before the total extent of your injuries has been determined. They fully understand that severe medical problems often do not become evident for many months.
If an injury is life threatening, they may delay until after the injured insured is deceased. Often, family members devastated by the loss of a loved one become push-overs for low settlements. In other cases, older people who die may have no close relatives to follow up on a claim. In these cases, insurance companies are able to avoid paying anything.
Attempt to convince a prospective insurance customer that the policy being discussed covers everything, and when a claim is later made, that the policy covers nothing.
Agents will often discourage clients from making legitimate claims, warning them that the insurance company may decide to increase the premium rate or decide not to renew the coverage as a result of the claim.
Delaying accident claims on the excuse that they cannot find necessary witnesses when they are not doing what is reasonable to find them.
Blaming your injury on a preexisting condition when your preexisting condition is not material or has minor relevance.
Claiming your auto accident and injuries were caused by your failure to maintain your car, replace your tires / brakes, etc.
Using the fact that you did not request medical care at the scene of the accident as justification for claiming your injury was not serious.
Insurance companies sometimes establish contests among insurance adjusters providing bonuses and other gifts to the adjusters who pay out the lowest percentage of insurance proceeds. This obviously creates a conflict of interest with the client. The result is predictable.

Many of the largest insurance companies in America have been sued in order to force them to pay claims that should have been paid routinely. The list includes Farmers, State Farm, Allstate, AIG, and many others.

Insurance companies have attorneys on staff to help them find ways to minimize or deny your claim. Except in the case of very small claims, you should protect your rights by hiring an experienced law firm.


HOA Cumis Counsel - Reservation of Rights




Federal Emergency Management Agency

The Federal Emergency Management Agency (FEMA) is an agency of the United States Department of Homeland Security. The primary purpose of FEMA is to coordinate the response to a disaster that has occurred in the United States that overwhelms the resources of local and state authorities. Earthquakes, floods, fires, oil spills, and acts of terrorism may qualify for assistance. The governor of the state in which the disaster occurs must declare a state of emergency and formally request from the President of the United States that FEMA and the federal government respond to the disaster.

FEMA also works to ensure that affordable flood insurance is available to homeowners in flood plains, through the National Flood Insurance Program, and also works to enforce no build-zones in known flood plains.

The website for FEMA is







Areas Served:

Los Angeles County:

Acton, Agoura, Agoura Hills, Agua Dulce, Alhambra, Altadena, Arcadia, Arleta, Artesia, Avalon, Azusa, Baldwin Hills, Baldwin Park, Bassett, Bell, Bell Canyon, Bell Gardens, Bellflower, Beverly Hills, Bouquet Canyon, Box Canyon, Burbank, Calabasas, Calabasas Hills, Canoga Park, Canyon Country, Carson, Castaic, Century City, Cerritos, Chatsworth, Claremont, Commerce, Compton, Covina, Cudahy, Crystalaire, Culver City, Del Sur, Diamond Bar, Downey, Duarte, East Los Angeles, East Rancho Dominguez, El Monte, El Segundo, Encino, Firestone Park, Flintridge, Gardena, Glassell, Glassell Park, Glendale, Glendora, Granada Hills, Hacienda Heights, Hawaiian Gardens, Hansen Dam, Hawthorne, Hermosa Beach, Hidden Hills, Highland Park, Hollywood, Huntington Park, Industry, Inglewood, Irwindale, La Canada Flintridge, La Crescenta- Montrose, La Habra Heights, La Mirada, La Puente, La Verne, La Canada, Lake Hughes, Lake Los Angeles, Lake View Terrace, Lakewood, Lancaster, Lawndale, Leimert Park, Lennox, Leona Valley, Lincoln Heights, Littlerock, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Marina Del Rey, Maywood, Mission Hills, Monrovia, Monte Nido, Montebello, Monterey Park, Mount Baldy, Mount Wilson, Newhall, North El Monte, North Hills, North Hollywood, Northridge, Norwalk, Pacoima, Palisades, Palmdale, Paramount, Pearblossom, Pico Rivera, Pomona, Quartz Hill, Rancho Dominguez, Rancho Palos Verdes, Rancho Park, Redondo Beach, Reseda, Ritter Ranch, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, San Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Saratoga Hills, Saugus, Sherman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Stevenson Ranch, Studio City, Sun Valley, Sun Village, Tarzana, Temple City, Toluca Lake, Topanga, Torrance, Tujunga, Universal City, Val Verde, Valencia, Valley Village, Van Nuys, Venice, Vernon, Walnut, Walnut Park, West Covina, West Hills, West Hollywood, West Los Angeles, West Toluca Lake, Westchester, Whittier, Wilmington, Windsor Hills, Winnetka, Woodland Hills.

Ventura County:

Camarillo, Channel Islands, Faria Beach, Fillmore, Moorpark, Newbury Park, Oak Park, Oak View, Ojai, Oxnard, Port Hueneme, Santa Paula, Saticoy, Somis, Simi Valley, Thousand Oaks, Ventura (San Buenaventura), Westlake Village.

Orange County:
Aliso Viejo, Anaheim, Balboa Island, Brea, Buena Park, Corona Island, Costa Mesa, Cypress, Dana Point, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forrest, Los Alamitos, Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Rossmoor, San Clemente, San Juan Capistrano, Santa Ana, Santa Ana Heights, Seal Beach, Stanton, Tustin, Tustin Foothills, Villa Park, Westminster, Yorba Linda.
San Bernardino County:
Adelanto, Apple Valley, Barstow, Big Bear, Big Bear City, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Landers, Loma Linda, Montclair, Morongo Valley, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley.
Riverside County:
Anza, Banning, Beaumont, Bermuda Dunes, Blythe, Cabazon, Calimesa, Canyon Lake, Cathedral City, Cherry Valley, Coachella, Corona, Desert Hot Springs, East Blythe, East Hemet, El Cerrito, Glen Avon, Hemet, Highgrove, Home Gardens, Homeland, Idyllwild-Pine Cove, Indian Wells, Indio, La Quinta, Lake Elsinore, Lakeland Village, Lakeview, Mecca, Mira Loma, Moreno Valley, Murrieta, Murrieta Hot Springs, Norco, Nuevo, Palm Desert, Palm Springs, Pedley, Perris, Quail Valley, Rancho Mirage, Riverside, Rubidoux, San Jacinto, Sun City, Sunnyslope, Temecula, Thousand Palms, Valle Vista, Wildomar, Winchester, Woodcrest.
Santa Barbara County:
Ballard, Buellton, Carpinteria, Gaviota, Goleta, Guadalupe, Hollister Ranch, Hope Ranch, Isla Vista, Lompoc, Los Alamos, Los Olivos, Mission Canyon, Mission Hills, Montecito, Orcutt, Santa Barbara, Santa Maria, Santa Ynez, Solvang, Summerland, Toro Canyon
San Diego County:
Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, (Cardiff-by-Sea, Leucadia, Olivenhain), Escondido, Fairbanks, Ranch, Fallbrook, Imperial Beach, Julian, La Mesa, Lake San, lakeside, Lemon Grove, National City, Oceanside (San Luis Rey), Poway, Romona, Rancho San Diego, Rancho Santa Fe, San Diego, San Marcos, Santee, Solana Beach, Hidden Meadows, San Diego County Estates, Spring Valley, Vista.
San Luis Obispo County:
Arroyo Grande, Atascadero, Avila Beach, Baywood-Los Osos, Cambria, Cayucos, Grover Beach, Lake Nacimiento, Los Osos, Morro Bay, Nipomo, Oceano, Paso Robles, Pismo Beach, San Luis Obispo, San Miguel, San Simeon, Santa Margarita, Templeton.
Alameda County:
Alameda, Albany, Berkeley, Dublin, Emeryville, Fremont, Hayward, Livermore, Newark, Oakland, Piedmont, Pleasanton, San Leandro, Union City .
Contra Costa County:
Antioch, Brentwood, Clayton, Concord, Danville, El Cerrito, Hercules, Lafayette, Martinez, Moraga, Mountain View, Oakley, Orinda, Pinole, Pittsburg, Pleasant Hill, Richmond, San Pablo, San Ramon, Walnut Creek .
Fresno County:
Auberry, Big Creek, Biola, Bowles, Calwa, Cantua Creek, Caruthers, Centerville, Clovis, Coanlinga, Del Rey, Dunlap, Easton, Firebaugh, Fowler, Fresno, Friant, Highway City, Huron, Kerman, Kingsburg, Lanare, Laton, Mendota, Mercy Hot Springs, Minkler, Orange Grove, Parlier, Pinedale, Prather, Raisin City, Reedley, Riverdale, Rolinda, San Joaquin, Sanger, Selma, Shaver Lake, Squaw Valley, Tarpey Village, Three Rocks, Tollhouse, Tranquility .
Imperial County:
Brawley, Calexico, Calipatria, El Centro, Holtville, Imperial, Salton City.
Kern County:
Arvin, Bakersfield, Bear Valley Springs, Boron, California City, Delano, Frazier Park, Lake Isabella, Lebec, Maricopa, McFarland, Mojave, Pine Mountain Club, Ridgecrest, Rosedale, Shafter, Taft, Tehachapi, Wasco, Wofford Heights.
Marin County:
Bel Marin Keys, Belvedere, Black Point - Green Point, Bolinas, Corte Madera, Dillon Beach, Dogtown, Fairfax, Hamilton, Ignacio, Inverness, Inverness Park, Kentfield, Lagunitas - Forest Knolls, Larkspur, Las Gallinas, Lucas Valley - Marinwood, Greenbrae, Marin City, Marshall, Mill Valley, Muir Beach, Novato, Point Reyes Station, Ross, San Anselmo, San Marin, San Rafael, Santa Venetia, Sausalito, Sleepy Hollow, Stinson Beach, Strawberry, Tamalpais - Homestead Valley, Tiburon, Woodacre.
Monterey County:
Bradley, Carmel-by-the-Sea, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Pebble Beach, Salinas, Sand City, Seaside, Soledad.
Sacramento County:
Citrus Heights, Elk Grove, Folsom, Galt, Isleton, Rancho, Rio Linda, Rosemont, Sacramento.
San Francisco County:
San Francisco City.
San Joaquin County:
Escalon, Lathrop, Lodi, Manteca, Ripon, Stockton, Tracy.
Alameda County, Alpine County, Amador County, Butte County, Calaveras County, Colusa County, Contra Costa County, Del Norte County, El Dorado County, Fresno County, Glenn County, Humboldt County, Imperial County, Inyo County, Kern County, Kings County, Lake County, Lassen County, Los Angeles County, Madera County, Marin County, Mariposa County, Mendocino County, Merced County, Modoc County, Mono County, Monterey County, Napa County, Nevada County, Orange County, Placer County, Plumas County, Riverside County, Sacramento County, San Benito County, San Bernardino County, San Diego County, San Francisco County, San Joaquin County, San Luis Obispo County, San Mateo County, Santa Barbara County, Santa Clara County, Santa Cruz County, Shasta County, Sierra County, Siskiyou County, Solano County, Sonoma County, Stanislaus County, Sutter County, Tehama County, Trinity County, Tulare County, Tuolumne County, Ventura County, Yolo County, Yuba County


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