A fire can destroy your home or business in a matter of minutes. Our attorneys help fire victims recover the insurance funds necessary to rebuild their homes and businesses after such devastating losses.
Floridians pay thousands of dollars in premiums every year for property insurance to cover their losses in the event that damage occurs. A fire can destroy your home, business, contents, personal items, photographs, heirlooms, furniture, clothing, cars, and other valuable property. When such an event occurs, we expect our insurance companies to accurately assess the damage and pay us the full amount of our damages.
Fires are one of the most common causes of property destruction in Florida and caused more than $21 billion dollars of property losses throughout the U.S. in 2020. Fire insurance provides compensation for fire loss or damage so that insureds will not have to pay out of pocket. The type and extent of covered damages depends on the specifics of each policy, but most traditional insurance policies cover the following damages:
Despite accepting premiums and issuing policies, it is not uncommon for insurance companies in Florida to deny coverage for fire damage. There are different reasons an insurance company may give for denying your claim, and some may be valid while others are not. An insurance company may be engaging in bad faith insurance practices when denying valid claims—especially if they are denying claims in an effort to increase profits to the detriment of their policyholders. Below is a list of reasons your insurance company may give you for denying your claim:
If you do not agree with the denial of your claim, you can contest the insurance company’s decision. Disputing an insurance claim denial is a legal right you are entitled to as a policyholder under Florida law. If your insurance company has denied, delayed, or underpaid your claim, a lawyer can help you take steps to hold your insurance company accountable.
Fire damage claims are routinely mishandled by Florida insurance companies and their adjusters. This can be due to improper training and oversight, lack of experience, or by intentional acts made in an effort to reduce claim payments to insureds. Signs that your claim is improperly adjusted or mishandled by the insurance company include the following:
Dealing with an insurance company on your fire claim can be a stressful and complex process. Disputing a claim with your insurance company can be overwhelming. By retaining an experienced insurance claim lawyer, you can obtain significant assistance to make sure you obtain the insurance benefits and compensation you are entitled to under your insurance policy. Our insurance lawyers can help you by:
If your insurance company has denied your fire claim, undervalued your fire claim, or is delaying payment of your fire claim, contact an attorney at Murray + Murray. We will review your claim for free. Our expert insurance claim attorneys can assist you to recover the insurance benefits you are entitled to under your insurance policy.