Filing a Fire Damage Claim

Fires can be devastating and have the potential to cause significant damage to homes and businesses. In the aftermath of a fire, it can be difficult to know where to turn or how to begin the process of filing a fire damage claim. At Avian Law Group, our experienced attorneys have helped numerous clients recover compensation for fire damage. Here are some tips to consider when filing a fire damage claim:

Contact Your Insurance Company Immediately

As soon as it is safe to do so, contact your insurance company to begin the claims process. Your insurance policy may have specific time limits for reporting the claim, so it is important to act quickly. Provide your insurance company with all necessary information, including the date of the fire, a description of the damage, and any relevant photos or videos.

Document the Damage

Take photos and videos of the damage to your property before any repairs or cleanup efforts begin. This documentation can be crucial in proving the extent of the damage and the value of your losses. Additionally, keep any receipts for expenses related to the fire, such as temporary housing or replacement clothing.

Mitigate Further Damage

Take steps to mitigate further damage to your property after a fire. This can include boarding up broken windows or doors, covering damaged roofs, and removing any water or debris. However, make sure to document any mitigation efforts and only undertake necessary repairs to prevent further damage.

Do Not Discard Any Damaged Property

Even if property appears to be completely destroyed, do not discard any items until your insurance company has had a chance to inspect them. Your insurance policy may cover the cost of repairing or replacing damaged items, and discarding them could impact your ability to recover compensation.

Review Your Insurance Policy

Before filing a claim, review your insurance policy to understand the coverage limits and exclusions. This can help you determine the type of losses that may be covered by your policy and the maximum amount of compensation you can receive.

Work with a Public Adjuster

A public adjuster can be a valuable resource in navigating the claims process. A public adjuster can help you document your losses and negotiate with your insurance company on your behalf. While a public adjuster may charge a fee, their services can often lead to a larger settlement than you would receive on your own.

Be Cautious When Speaking with Your Insurance Company

While it is important to cooperate with your insurance company, be cautious when speaking with their representatives. Insurance companies may try to minimize your losses or deny your claim altogether. Before speaking with your insurance company, consult with an experienced fire damage attorney to understand your rights and how to protect yourself.

Keep Records of All Communication

Keep a record of all communication with your insurance company, including phone calls, emails, and letters. This can help ensure that you have evidence of any promises made by your insurance company and can be used as evidence in a legal dispute.

Consider Legal Action

If your insurance company denies your claim or offers an inadequate settlement, it may be necessary to take legal action. An experienced fire damage attorney can review your case and advise you on the best course of action.

At Avian Law Group, our experienced attorneys understand the challenges that you may be facing after a fire. We are committed to helping our clients recover the compensation they need to rebuild their lives. If you need assistance with a fire damage claim, please do not hesitate to contact us at (888) 465-0540 or through email at info@avianlawgroup.com. We offer a free case consultation to all potential clients and will provide you with the guidance and support you need to get back on your feet after a fire.