Fire Insurance Claims Attorneys in Florida
Tough advocacy when Gulf Coast and Panhandle owners need to repair, rebuild, and restart
Fires destroy more than homes. They destroy the personal possessions. They destroy memories. Fires happen for all types of reasons, but whatever the reason, you need help now. You need to make sure everyone is healthy. You need a place to live. The last thing you should worry about is having to fight with your insurance company – the one that was all too happy to accept your premium payments.
At Warhurst Law, our Florida insurance dispute lawyers understand exactly what insurance companies should be doing to help you. We understand what tricks and strategies insurance companies use to try to deny or to reduce your claim. This understanding of insurance claims isn’t a bold assertion. It is based on the hands-on experience of Gene Warhurst who began his career as a professional insurance adjuster. He has used that direct experience to fight for insurance policyholders and their families for nearly 25 years. We’ll help you get the proceeds you need to salvage what can be saved and to move forward after a devastating fire. We have secured millions of dollars in original and supplement fire claims, including:
- $1.79 million in additional funds for a church fire
- $973,003 in additional funds for a church fire
- $$483,019 in additional funds for a residential fire
- $395,329 in additional funds for a residential fire
The initial steps in a fire insurance claim
Some of the many steps insurance adjusters should take include:
- The initial inspection. The review will make an initial determination as to how the fire was started. An analysis should be made as to what items can be taken, whether the property should be boarded up, whether roofs should be covered, and other safety issues.
- Living quarters. The owners of the home, the children, and other inhabitants will usually need an immediate place to sleep. The insurance policy should cover the cost to relocate until a decision can be made about whether the home is livable and whether it can be rebuilt. If repairs or rebuilding are possible, the occupants will still need to live somewhere until the work is done. If the home can’t be saved, arrangements need to be made to rent or buy a new residence.
- Obtaining an advance. Fire victims often need to buy new clothes and necessities. The insurance companies should consider advancing sums, in accordance with the fire policy. Victims should work with experienced fire insurance claims lawyers to verify that the advance is just that – an advance, not a settlement.
Fire accident victims should keep records of all their living expenses and purchases after the fire. In addition to usually having to pay for a hotel, homeowners still need to pay the mortgage, taxes, and utilities. A good insurance policy should cover the living expenses and the continuing expenses.
Additional fire insurance claim issues
Every claim is different. A few issues common to most fire insurance claims are:
- Fire insurance coverage differs depending on the type of home you own. If you own a single-family home, then the homeowner normally makes the decisions as to coverage and what’s needed after the fire. Owners of condominiums, duplexes, and other structures usually must work with other people to ensure their interests and to rebuild after a fire. Renters are generally only able to claim the value of their contents if they have renter’s insurance.
- Contractors. If a home can be repaired or rebuilt, then, decisions need to be made about who should do the repair work or the rebuilding.
- Fair negotiations. If insurance adjusters are not negotiating in good faith, then our Florida lawyers are ready to file a bad faith claim on your behalf.
If the policyholder is going to move to a new home, decisions need to be made about what to do with the home that was destroyed in the fire. For example, should the home be razed? Does the land have any value?
Policyholders should review with their attorney the need to continue paying insurance premiums to protect against any further damage.