Representing California Policyholders
Policyholder Advocates — Insurance Recovery Attorneys for Homeowners & Businesses
Denied. Delayed. Underpaid. We represent California homeowners and businesses in property-insurance disputes when carriers fail to honor the coverage their policies provide.
California matters only. Every claim turns on its own policy and record. No outcome is guaranteed.
Attorneys Farid Golshani, Alexander Cohen, and Zareh Keosian represent policyholders — never insurance companies — in California insurance recovery matters.
What happened to the claim
Denied, delayed, or underpaid
Denied
The letter cites an exclusion or a condition and closes the file. What it rarely does is walk through the policy language and the evidence that would answer it.
Denied claimsDelayed
The claim stays open. Documents are requested again, inspections are rescheduled, and the decision that California law puts on a clock never arrives.
Delayed claimsUnderpaid
A payment arrives at a number that does not match the loss — scope trimmed, depreciation held back, or line items quietly dropped from the estimate.
Underpaid claims
Who we represent
Policyholders on the receiving end of a claim decision
Homeowners
Single-family owners and condominium owners with fire, water, smoke, storm, or structural losses, including the additional living expense that follows when a home is not habitable.
Landlords and property owners
Owners of rental and mixed-use property dealing with damage to the building, loss of rental income, and disputes about what the policy treats as covered repair.
Small and mid-sized businesses
Operators facing physical damage to premises, equipment, or inventory, and the interruption to operations that follows a covered loss.
Community associations
HOAs and associations with shared-structure losses where responsibility is split across the master policy, unit owners' policies, and governing documents.
Practice areas
Where insurance claims break down
Insurance Bad Faith
California law asks more of an insurer than a decision letter. When the way a claim was handled — not just the number at the end of it — is the problem, that conduct is itself a subject worth examining.
Learn about insurance bad faithDenied Claims
A denial letter is an insurer's position, not a verdict. It is written by one side, from one reading of the policy, on one version of the record — all three of which can be examined.
Learn about denied claimsDelayed Claims
A claim that never gets decided can be as damaging as one that gets refused. Delay carries its own costs, and in California the timeliness of claim handling is not left entirely to the insurer's convenience.
Learn about delayed claimsProperty Damage
Most property disputes are not arguments about whether something happened. They are arguments about scope and value — what the repair actually requires, and what the policy actually promised to pay for it.
Learn about property damageUnderpaid Claims
A payment arrived, and it does not match the loss. Coverage was never the argument — the number was. That number was built from a scope, a price list, and a set of deductions, and every one of them can be read.
Learn about underpaid claims
Attorneys
The attorneys who review California claims
Farid Golshani
Attorney · ACTS Law, LLP — Encino, California
Represents California policyholders in insurance recovery matters involving denied, delayed, and underpaid property claims.
Read Farid Golshani’s profileAlexander Cohen
Attorney · ACTS Law, LLP — Encino, California
Represents California homeowners and businesses in property-insurance disputes, including coverage and valuation disagreements.
Read Alexander Cohen’s profileZareh Keosian
Attorney · Keosian Law LLP — Sherman Oaks, California
Represents California policyholders in property damage and insurance bad faith matters, including commercial property claims.
Read Zareh Keosian’s profile
How we work
A claim is a record before it is a dispute
Insurance matters are won or lost on documentation: what the policy says, what was submitted, what was asked for, and what the insurer did with it.
01
Read the policy first
Coverage disputes are decided on the words in the policy, including endorsements and definitions that rarely get quoted in a denial letter.
02
Rebuild the claim record
Correspondence, adjuster notes, estimates, and reports are assembled into a single record so the insurer's reasoning can be examined in sequence.
03
Test the insurer's position
Each stated reason is measured against the policy language and the evidence actually in the file, not against the summary offered at the end.
04
Advance the claim deliberately
Some matters resolve through a documented, well-supported demand. Others require litigation. The path is chosen on the record, not by default.
Free resources
Understand your claim before you decide what to do
Denial Letter Decoder
Select the reasons printed on your denial letter and see what the insurer is asserting, what tends to answer it, and what the file needs to show. Nothing you select is submitted or stored.
Open the decoder
Claim Guides
How each California loss type is valued and where disputes start.
Your Rights in California
Claim-handling deadlines and duties, each tied to its source.
How to File a Complaint Against Your Insurer
The internal complaint, the California Department of Insurance Request for Assistance, and what each one can actually do.
Tell us what happened with your claim
Share a short, non-confidential summary. We review submissions for conflicts and subject-matter fit before anyone responds.
How to reach us. Use the case review form — it is the intake channel for new matters and it reaches the attorneys reviewing submissions directly. Our office address is listed below. We do not publish a direct phone line or email address.