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Rebuilding After a House Fire:  Homeowners Insurance Claims and More

Recently, a house fire erupted in Immokalee, leaving two families homeless. The fire department arrived to find a home engulfed in flames.  They determined the point of origin of the fire to be a bedroom window where an air conditioning unit was installed.  Though the fire department responded quickly, the flames destroyed the home.  Two families who were jointly residing in the home are now struggling to determine how they can repair the damage done.  Unfortunately, our Miami Homeowners’ Insurance lawyers have to report that the family lacked homeowners’ insurance at the time of the fire.

Dealing With the Insurance Company after a Fire

If your home has been damaged by a fire and you have homeowners’ insurance, you can obtain compensation to repair or replace your home, but it is important you handle the claim correctly and seek assistance when needed.  The first important thing is that you do not delay in reporting your claim.  The insurance company will handle claims on a first come, first serve basis and delaying reporting will not only delay resolve of the matter, but could even result in denial. 

Once your claim has been reported, take down the claim number.  You will be asked for this number every time you contact the insurance company so it will prove quite important.  You should then find out who will be coming out to assess the damage to your home.  Most importantly, ask whether the person is an employee of the insurance company or an independent adjuster retained by the insurer.  This answer can make a difference to your action.  If the individual is an independent adjuster, find out the name of the insurance company adjuster whom your information will be going to and whether they are authorized to make claim decisions or payouts on behalf of your insurance company.

Gather Your Evidence

When you file a claim based on fire damage with your insurance company, it is best to anticipate push back from the insurance company and gather plenty of evidence in support of your claim.  Immediately after filing the claim, begin a notebook and detail all of your contacts with the insurance company.  Each time you contact them, write down the date and time along with a brief description of what happened.  Keep your own copies of any documents mailed or faxed to the insurer.  This way, if questions or issues arise later, you have a solid record of all conversations and other contact with the insurance company.

Make a list of all items that were damaged in the fire.  If possible, gather any old pictures you may have had showing items in your home prior to the fire.  Take photographs of all damage to the home prior to any repairs being completed.  Armed with this evidence, you and your homeowners’ insurance company will be better able to fight for your full recovery.

Greenberg, Stone, & Urbano:  Put Our Over 130 Collective Years of Experience to Work on Your Case!

House fires can leave families devastated and struggling to figure out what to do next.  If your home has been damaged in a house fire and you need assistance seeking coverage from your homeowners’ insurance company, contact the Miami Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano.  We have over 130 collective years of experience representing homeowners against the insurance companies across South Florida.  From the moment you contact our firm, we will fight to see that your case receives the care, dedication, and hard work it deserves.  We are honored to have received a coveted AV rating from Martindale Hubbell and the Miami Herald’s ranking as a top firm in South Florida.   Put our outstanding homeowners’ insurance lawyers to work on your case.  Call us at (888) 499-9700 or (305) 595-2400 or you can visit our website to schedule your initial consultation.

Source:

http://www.nbc-2.com/story/30310440/two-immokalee-families-lose-everything-in-uninsured-housefire#.Vie3X36rTIU

 

 

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