Fire Loss Insurance Dispute Lawyers in Louisiana
Help for policyholders with fire and smoke damage throughout the Gulf Coast
Fires are one of the most terrifying events that can happen to a home or business owner. They can start quickly and without warning, and engulf an entire building in flames, sometimes before the fire department can even respond. When you count on your property insurance to help you rebuild and they deny your claim, it can feel like suffering the disaster all over again.
The Insurance Information Institute (III) reports that, in 2018, fire departments across the country responded to a fire every 24 seconds. That same year, FEMA reported fire losses totaled $25.6 billion, up from $23 billion in 2016. The Louisiana insurance dispute attorneys at Warhurst Law have decades of experience working with insurance companies on fire loss, and will not back down when they attempt to deny your claim. Partner Gene Warhurst uses his past experience as an insurance adjuster to prevent your insurance provider from acting dishonestly or unfairly.
What kinds of property damage can be caused by fires?
If you’ve experienced fire damage in your Louisiana building or residence, you should start by documenting as much of the destruction as you can. Common types of damages from fires include:
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As you can see, whether it’s a residential or commercial fire, whether big or small, fires cause extensive damage. Experienced insurance attorneys can help you submit your claim to ensure it’s as strong as possible. And if the insurance company denies your claim, the team at Warhurst Law steps up to fight for you.
Why did my insurance company deny my fire damage claim?
The most common reason an insurance company will deny a fire damage claim is arson. Typically, fires are covered under standard homeowner’s and business insurance as a covered peril. However, arson is not, so many New Orleans and Louisiana insurance companies will force you to confirm a fire was not arson. Our attorneys can work to prove your case.
Other reasons an insurance company may attempt to deny or delay fire damage claims include:
- Claiming damage isn’t covered by your policy
- Saying the damage is merely cosmetic in nature
- Saying you’ve missed a payment
- Underestimating or underpaying repairs so they come in below your deductible
- Delaying your claim for unknown reasons