Property Damage Attorneys · Los Angeles, California
They Have Adjusters,
Engineers, and Attorneys.
So Do We.
We represent property owners whose insurance claims have been denied, delayed, or underpaid. From single-family homes to multimillion-dollar commercial losses. No fee unless we recover.
What They Don't Tell You
Your Insurer Isn't Confused. They're Calculating.
Before you even filed your claim, your insurer assigned a team—adjusters, forensic accountants, coverage counsel—whose performance is measured by how little they pay. The estimate they gave you was generated by software with suppressed labor rates. The engineer they sent was chosen because he finds “pre-existing conditions.” The delay isn't a backlog. It's a strategy.
Their Adjuster Works for Them
The person inspecting your loss is on their payroll. Their incentive is your smaller check.
The Estimate Is Engineered Low
Xactimate line items with below-market rates, missing categories, scope gaps. By design.
Delay Is the Point
Every month they wait is a month you're bleeding money. They know this.
We've Read This Playbook
We bring our own engineers, our own appraisers, and our own estimate—built on actual local costs, not their suppressed numbers.
What We Handle
Every Claim Has a Story.
Here Are the Ones We Know Best.
Total losses, partial burns, smoke migration, content damage. We handle the claims where your insurer says the fire started somewhere convenient for their exclusion clause.
Burst pipes, roof failures, storm surge, sewer backup. The classic move is reclassifying covered water damage as “flood” to trigger your exclusion. We see it constantly and know how to unwind it.
Roof tear-offs, structural wind damage, debris impact, hail. Carriers love calling wind damage “cosmetic” or blaming deferred maintenance. We prove otherwise with independent forensic inspection.
Break-ins, property destruction, stolen equipment, tenant damage. Insurers routinely undervalue stolen property and dispute the scope of vandalism repairs. We document every dollar.
Foundation failure, landslide, sinkhole, earthquake, settling. These are the claims insurers fight hardest—and where having an attorney who understands structural engineering changes everything.
We also represent owners of commercial and business properties, large multi-unit apartment buildings, HOA and condominium associations, and high-value residential estates—across every type of covered loss.
Case Results
The Numbers Speak. But the Stories Behind Them Say More.
*Prior results do not guarantee similar outcomes.
How It Works
What Happens After You Call
We Pull Their File Apart
We obtain your insurer's complete claim file and reconstruct what they did: where they suppressed numbers, which damage they ignored, what policy language they bent.
We Build the Real Number
Independent appraisers. Forensic engineers. Licensed contractors pricing your rebuild at current local rates—not the insurer's deflated estimate.
We Make Them Answer for It
Demand. Negotiation. Appraisal. CDI complaint. Litigation. We move through every available lever in the order that gets you paid fastest.
You Rebuild
The insurer pays what your policy actually covers, plus penalties and interest when their conduct earns it. You get back to your property, your business, your life.
Why Property Owners Choose Us
We're Selective. Here's What That Gets You.
You Pay Nothing Unless We Recover
Contingency. No retainer, no hourly billing, no invoice if we lose. Our risk is the same as yours.
We Match the Insurer's Resources
Your carrier deployed adjusters, engineers, and forensic accountants. We deploy ours—independent appraisers, structural engineers, and construction cost experts who work for you, not them.
We've Seen Your Insurer's Playbook
Every major carrier has patterns—how they suppress estimates, which exclusions they misapply, when they delay on purpose. We know the playbook because we've dismantled it hundreds of times.
Your Attorney Knows Your Case
No rotating staff. No hand-offs. Josh personally oversees every claim in the practice—your file never sits on someone else's desk.
We Focus Where It Matters Most
Our practice is built around six- and seven-figure losses—the claims where insurers deploy their most aggressive tactics, and where having the right attorney changes the outcome by hundreds of thousands of dollars.
Managing Partner · Property Damage Trial Attorney
Josh Kohanim, Esq.
Josh built this firm on a straightforward idea: property owners with serious losses shouldn't have to learn insurance law to get what their policy already promises them.
Before founding Wise Property Damage, Josh spent years litigating on the plaintiff's side—handling everything from catastrophic injury cases to complex insurance disputes. That experience taught him something most property damage attorneys miss: the claim isn't just about the policy language. It's about the construction, the engineering, the actual cost to put a building back together. He reads policies and Xactimate estimates with equal fluency.
He takes a limited caseload. Every client works directly with him—not a paralegal, not an associate, not someone you've never met.
“Call me. If I can help, I'll tell you. If I can't, I'll tell you that too.”
Start Here
Tell Us What Happened. We'll Tell You What It's Worth.
Every claim review is free, confidential, and handled personally by Josh Kohanim. We respond within 24 hours—usually faster. No commitment required.
Or call Josh directly:
(424) 235-7879 Available 7 days. We respond to every inquiry within 24 hours.