If your home was not considered a total loss after a fire, some insurance claim issues may arise during the insurance claim process. A fire claims lawyer in Hialeah at the Law Offices of Anidjar & Levine will fight for you to get a fair settlement.
Fire Claims: Partial Loss
Oftentimes, a fire will not result in the complete destruction of a home. Rather, there will be only partial losses. During these times, there can be additional issues that arise during the fire claim process.
Hidden Losses
Oftentimes, when a fire does not completely destroy a home, there are hidden issues such as water damage, smoke or ash, air quality issues, and mold and mildew concerns. An insurance adjuster may not take the time to do a full investigation to reveal the extent of all your losses both obvious and hidden. Having a licensed independent professional assess your home after a fire is important to ensure that you receive compensation for all your losses.
Improper Cleaning
After a fire, you should have your home property cleaned by professionals that are experienced to handle the aftereffects of a fire. Your insurance company should allow you to hire a professional company that specializes in restoration after a fire.
Delays
Many fire claims are delayed for long periods of time by insurance companies, or low settlements are offered that will not cover the cost to restore a homeowner’s property. Delaying payment on a fire claim, offering too low of a settlement offer, or denying a claim outright are tactics used by insurance companies to frustrate victims. When victims of fire damage become frustrated with the insurance claim process, they may settle for less than they deserve simply to put the process to rest.
Filing a Fire Claim
Whether you have suffered a partial or total loss of your home or property due to a fire, you must file an insurance claim as soon as possible. You will need to submit a proof of loss claim and list all items that were lost, including their value. This process can take a considerable amount of time, and it is important to submit this as soon as possible to get your insurance claim moving quickly. If you do not act immediately after a fire, your claim may be pushed to the bottom of the insurance company’s list, and you may have to wait longer to receive compensation. This happens in many cases where a fire has affected more than one home in an area.
Dealing with an insurance company can be a long and convoluted process that involves phone calls, letters, emails, and the submission of documents in a specific way and a specific order. We can help you navigate the complex insurance process after a fire on your property. Contact the personal injury lawyers in Hialeah to ensure that you submit all of your documentation properly and within the established deadlines required by your insurance company.
Contact a Fire Claims Lawyer in Hialeah
Insurance company adjusters will often delay fire claim approvals or payments, refuse to evaluate any possible hidden losses, and may not compensate you fully for your losses, such as the hiring of a professional cleaner after a fire. You have the right to receive just compensation according to your insurance policy. Contact a fire claims lawyer in Hialeah from the Law Offices of Anidjar & Levine to help ensure that you receive the compensation you deserve after a fire.
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