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Frequently Asked Questions About Fire Claims in Florida

If your home is damaged in a fire, you are likely in shock and at a loss as to what will happen next.  The following is a look at some frequently asked questions concerning fire claims in Florida.  For individualized assistance, contact a fire damage insurance claim lawyer in Miami as soon as possible.

What should I do if my home or business has been damaged by a fire?

            In the event your home is damaged by smoke or fire, contact your insurance provider immediately.  If you do not receive a prompt response, contact a homeowner’s insurance attorney.  Your insurance company is going to want a list of all of your belongings damaged in the fire.  This is a difficult task, but an important one.  Start to compile this list as soon as possible.  It can also be helpful to offer photographs of the home or business prior to the fire.

Will I receive living expenses while the insurance company is assessing and investigating my claim?  What about during the repair period?

            Living expenses will generally be covered by your homeowner’s insurance policy when your home is being rebuilt or repaired.  This will usually include lodging, food, and clothing, along with other bare necessities.  Your policy will designate for how long these expenses will continue to be covered.  Businesses may be eligible for loss of business expenses as well.

The insurance company has requested lots of personal information and documents, do I need to provide it?

            While cooperation is generally vital to the success of your claim, if your insurance company is asking for something that you do not believe they are entitled to, contact an experienced homeowner’s insurance attorney for assistance.

Why is my insurer asking for a sworn statement?  Do I need to provide it?

            In order to investigate your claim, the insurance company may request you provide a sworn statement.  They do have the right to request this and you will need to attend.  However, you do have the right to bring your attorney with you and we highly recommend doing so, as your attorney will ensure your rights are in no way infringed during the process.

Is there a timeframe in which the insurance company must repair my home or business?

            There is not a particular time frame for actual repairs to the home or business.  A reasonable time is generally what a court would enforce.  However, Florida law does enforce a 90 day timeframe in which the insurer must pay or deny a homeowner’s insurance claim or small business claim, unless the delay is due to factors outside the insurer’s control.  Violation of this statute, when coupled with other wrongdoing on the part of the insurer, can result in an award of interest stemming from the day the insurance company was notified of the claim.  If your insurance company is taking a long time to rule on your claim or repair your home or business, contact a licensed homeowner’s insurance attorney as soon as possible.

Greenberg Stone and Urbano:  Getting You Back to Business as Usual

            A fire can result in devastating damage for homes or businesses, displacing families and causing loss of business.  The Miami Homeowner’s Insurance Attorneys at Greenberg Stone and Urbano have assisted individuals and small businesses with their fire related insurance claims for over 130 collective years.   Our exceptional results have earned us an AV rating from Martindale Hubbell and recognition as one of South Florida’s top firms by the Miami Herald.   Call us at (888) 499-9700 or (305) 595-2400 or visit our website to schedule your initial consultation.

 

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