Frequently Asked Questions

1. What should I do if my property-insurance claim is denied in California?

Do not accept the denial without review. Geraci LLP’s insurance-litigation team evaluates wrongful denials, demands reconsideration, and files bad-faith claims where appropriate.

Most policies limit action to one year from date of loss, though wording varies. Contact us promptly to preserve your claim rights.

When an insurer unreasonably delays, underpays, or denies a valid claim. Victims may recover extra-contractual and punitive damages under California law.

We represent homeowners, landlords, and businesses for fire, flood, wind, theft, and water-damage losses, negotiating directly with carriers to obtain full payment.

Yes. We offer comprehensive policy-review services with written legal opinions explaining coverage gaps, exclusions, and risk exposure—before or after a loss.

Often as a cost-control tactic. We push for timely responses and pursue litigation when delays become unreasonable.

Yes. We pursue breach-of-contract and bad-faith suits and coordinate independent appraisals to ensure fair valuation.

Residential & commercial property claims: fire, water, wind, vandalism, structural collapse, and business-interruption losses.

Free consultation and many cases on contingency—no fee unless we win.

All of Southern California—Orange, LA, San Diego, Riverside & San Bernardino Counties.

📞 Call (602) [830-8050-] info@geracillp.com | 🌐 geracillp.com/insurance-litigation

1. What services do you provide to private lenders?

Comprehensive counsel for loan documents, licensing, foreclosure, and PPM drafting across California and nationwide.

Custom, compliant Promissory Notes, Deeds of Trust, Guarantees, Intercreditor Agreements, Construction Loans, and Forbearance Agreements designed to protect lenders.

Most lenders/brokers require DFPI or DRE licensing. We perform audits, handle applications, and advise on multi-state compliance.

DFPI: For direct business-purpose lenders.
DRE: For brokers arranging loans. Geraci LLP ensures ongoing compliance with both.

We manage non-judicial and judicial foreclosures, from Notice of Default through trustee’s sale, maximizing recovery and compliance.

Yes, forbearance and restructuring agreements that protect principal and preserve borrower relationships.

A disclosure document for raising investor capital. We draft SEC Reg D-compliant PPMs and subscription agreements for mortgage funds and REITs.

Yes, entity setup, PPM drafting, regulatory filings, and ongoing compliance.

Yes, 50-state compliance guidance covering licensing, usury, and foreclosure laws.

We’re the nation’s premier private-lending law firm, integrating transactional, compliance, and litigation support under one roof.

📞 Call (602) [830-8050-] info@geracillp.com | 🌐 geracillp.com/private-lending

1. What landlord-tenant services do you offer?

Representation for landlords, property managers, and tenants in leases, evictions, rent disputes, and security-deposit claims.

Yes, residential & commercial unlawful detainers across Southern California, ensuring statutory compliance.

Typically 30–45 days for uncontested matters; longer if contested or rent-controlled.

Yes, custom office, retail, industrial, and mixed-use leases with clear rent-escalation and default terms.

We issue pay-or-quit notices, file suit, and secure possession legally—never self-help.

Yes, habitability, discrimination, and wrongful-eviction defense in court and administrative hearings.

Yes, lease enforcement, repair issues, wrongful eviction, and security-deposit claims for tenants and commercial occupants.

Yes, fair-housing compliance, tenant screening, and risk mitigation policies.

Yes, local-ordinance and Section 8 compliance and related litigation.

We pair real-estate and lending expertise to deliver business-minded solutions for landlords and tenants alike.

📞 Call (602) [830-8050-] info@geracillp.com | 🌐 geracillp.com/landlord-tenant

1. What HOA services do you provide?

Counsel for boards, associations, and management companies—governance, CC&R enforcement, compliance, collections, and insurance issues.

We provide homeowner legal support for property-insurance policy reviews, delays, and denials. HOAs can confidently refer members knowing they’ll receive skilled representation.

Partnering with Geraci LLP improves community stability and property values. We supply educational brochures and webinars for HOAs to share with residents.

Yes, consistent, defensible enforcement of community standards and architectural guidelines.

Yes, evaluation of master, D&O, and property coverage for Davis-Stirling compliance and adequate protection.

Yes, statutory notices, liens, and foreclosures while preserving neighbor relations.

Yes, civil, arbitration, and small-claims defense for fiduciary-duty, negligence, and enforcement disputes.

Yes, CC&R and bylaw amendments from drafting through recording.

Yes, board-training sessions and homeowner insurance-rights workshops offered online or in-person.

We offer retainer and partnership programs for ongoing counsel and homeowner-education support.

📞 Call (602) [830-8050-] info@geracillp.com | 🌐 geracillp.com/hoa-services

Geraci LLP — Built on Law. Backed by Leadership.

From property-insurance litigation to private-lender compliancelandlord-tenant advocacy, and HOA governance, Geraci LLP is California’s trusted name in real-estate law.

Free Initial Consultation

📞 Call (602) [830-8050-] info@geracillp.com | 🌐 www.GeraciLLP.com