FIRE & SMOKE DAMAGE CLAIMS

After ensuring everyone's safety and contacting emergency services, it's crucial to document the damage with photos and videos before cleaning or repairing anything. Notify your insurance company of the loss as soon as possible and secure the property to prevent further damage. Keep receipts for any expenses related to emergency repairs or temporary housing. An attorney can help guide you through this process to avoid mistakes that could jeopardize your claim.

If you suspect your claim has been underpaid, you can obtain an independent estimate of the damage from a qualified contractor or public adjuster. Comparing this with the amount offered by your insurer may reveal discrepancies. Working with an experienced fire damage attorney can help you gather the necessary evidence, including expert evaluations, to challenge an underpaid claim.

A bad faith claim arises when an insurance company fails to handle your claim fairly, such as by delaying payment, denying a valid claim without proper reason, or failing to conduct a proper investigation. If you believe your insurer is acting in bad faith, an attorney can help you file a complaint and pursue legal action to hold the insurer accountable for their obligations.

Smoke damage can be difficult to detect but may include soot residues, discoloration, and lingering odors. Insurance adjusters should assess both visible and hidden damage, such as in air ducts or behind walls. Hiring an independent expert can ensure a thorough evaluation of smoke damage, which may be necessary if your insurer undervalues or overlooks aspects of the claim.

Many homeowners' policies include additional living expenses (ALE) coverage, which pays for temporary housing and related costs if a covered loss, like fire damage, makes your home uninhabitable. This coverage may include rent, hotel stays, and additional transportation costs. An attorney can review your policy to determine the extent of ALE coverage and ensure your claim reflects these expenses.

Yes, most fire damage insurance claims include coverage for water damage resulting from firefighting efforts. This can include damage to floors, walls, and other property. However, insurers may dispute the extent of water damage, which is why a thorough inspection and documentation are vital. An attorney can help ensure that all related damages are included in your claim.

An attorney can help you understand complex policy language, gather evidence, negotiate with your insurer, and ensure compliance with the policy’s terms and deadlines. They can also represent you if your claim is denied or underpaid, and help you pursue a fair settlement, saving you time and reducing stress during a challenging period. If you’re facing difficulties with your fire damage claim, contact the Murray Law Group for a free consultation. Our experienced attorneys are ready to fight for the compensation you deserve.