Your insurer wrote the policy, controls the claim file, and has done this ten thousand times. When it denies, delays, or underpays a claim, California law holds it to a standard most policyholders never hear about: a thorough investigation, a denial that cites the actual provision relied on, and no conclusions built on evidence it never reviewed. When an insurer falls short of that, the exposure runs well beyond the policy benefits.

We handle homeowners and commercial property claims — fire, smoke, water, wind, theft, vandalism — along with business interruption. Denials, partial denials, underpayments, and claims that have simply gone quiet.

Disability, life, and health claim denials

The first question we ask is who sponsors your plan — because if you work for the State, a county, a city, a school district, or UC or CSU, federal ERISA law doesn't apply to you, and a denied claim carries a jury, damages, and fee recovery that private-sector claimants don't get. Sacramento is the largest public-employee city in California. 

Long-term and short-term disability denials, terminations at the "any occupation" transition, life insurance denials for lapse or misrepresentation, contested beneficiaries, and health plan denials of treatment.

Trusts, probate, and elder law

Disputes over a trust or an estate are family disputes with a legal structure, and the structure matters: who has the burden, what the trustee owed, what the accounting has to show, and what a court will actually order. We represent trustees, beneficiaries, and families in contested trust and probate matters, trust administration, and cases of financial elder abuse — where California law shifts attorney's fees to a prevailing plaintiff.

On the planning side, most California families don't need bespoke, hourly-billed work. They need a properly drafted, executed, and funded plan at a price known in advance. We offer estate planning built for California law and California property — from core documents to revocable trusts with deed transfers, Proposition 19 planning, Medi-Cal eligibility and estate recovery, special needs trusts, and business succession. Every plan includes a signing ceremony with witnesses and notary, and a funding review, because an unfunded trust does not avoid probate.

Consumer fraud