Frequently Asked Questions
Understanding Our Offer
I cannot search for my address on your website. Can I still get an offer?
Will I get to keep the upfront payment even if the case against South California Edison fails?
How quickly can I get the upfront payment?
Transactions are typically completed within 48 hours of the the original tentative offer. In particular, we will need to collect and validate additional information before completing the transaction.
How will the payment be received?
Payment is received via wire transfer or check, in an account held by you or a family member on the Title. In case the home is in a Trust, we can also pay the Trustee or the Trust investment manager directly.
I received a tentative quote from your website. Is this the final offer?
The initial quote is a rough estimate based on the information you provided. The final offer is determined after a detailed review of your claim and supporting documents.
However, if your claim is as you described, the final offer may be close to the initial quote.
Who is Sunrise North LLC? Why are the legal docs referencing them?
Sunrise North LLC is a subsidiary of ClaimTogether.com. The legal documents reference Sunrise North LLC as the entity purchasing a portion of your claim.
What if I change my mind after signing?
Yes, you have a 5-day grace period to cancel the transaction after signing the agreement and receiving the funds. If you choose to cancel, you must return the funds received and provide a written request for cancellation signed by all original signatories to the transaction.
Is my offer for 33% of my shortfall claim? Can I sell more or sell?
How do additional funds (FEMA, wildfire funds) impact my claim?
Additional funding sources help cover a portion of your losses upfront. They reduce the total amount you need to recover from liable parties, ensuring that your claim is based on the remaining shortfall.
What documentary evidence will be required for due-diligence purposes?
The required documents fall into two main categories: Property & Insurance Information and Seller Information. Here's a comprehensive list:
1. Property and Insurance Information
Title and Affected Property
- Property title and owner's title policy
- Mortgage and loan documentation
Insurance Details
- Insurance policies for property and contents
Government Assistance
- FEMA assistance documentation
- Other governmental aid records
2. Seller Information
For Individuals
- Two forms of valid photo ID (passport, driver's license, etc.)
- Proof of address (recent utility bills, tax bills, or bank statements)
- Social security number (US citizens)
For Trusts
- Trust Deed and formation documents
- Trustee appointment evidence
- Trustee identification
- Settlor documentation
- Beneficiary information
Note: Additional documents may be required based on your specific situation. Our team will guide you through the exact requirements for your case.
Fees and Process
Are there any hidden fees?
No, there are no hidden fees. If the lawsuit does not result in a recovery, you do not owe us anything.
What will be the next steps?
Please see the section on How it works for a detailed explanation of the process.
How are contingency fees determined? Will ClaimTogether participate in the payment of the contingency fee?
What if I have already hired a lawyer?
Additional Information
How does a shortfall claim differ from a standard insurance claim?
A shortfall claim serves a different purpose from your standard insurance claim:
Insurance Claim: Covers losses only up to your policy limits
Shortfall Claim: Recovers the difference between your total damages and insurance payout, helping bridge the financial gap
This ensures you're not left with uncovered expenses after reaching your insurance limits.
Can I still pursue a shortfall claim if I receive partial insurance or FEMA funds?
Yes, you can still pursue a shortfall claim.
While funds from insurance or FEMA reduce your total recovery need, they don't disqualify you from pursuing a full shortfall claim. These payments are simply deducted from your total claim amount.
Remember to keep detailed records of all payments received from insurance and government assistance programs.
What happens if I sell my home?
Selling your home during the claim process affects your claim in different ways:
Rebuild Cost Claims
If you sell before rebuilding, your claim may shift from rebuild costs to diminution in value.
Diminution in Value Claims
These claims focus on the difference between your property's pre-fire value and its sale price.
We recommend consulting with our team before making any decisions about selling your property during the claims process.