Business or homeowners who have experienced a fire should contact their insurance company with relevant information about the incident as soon as possible. It is important to clearly list exactly what was lost, damaged or destroyed in the fire. Although cleanup and repair may begin immediately, property that has been hurt should be kept and stored until the insurance adjuster has seen it and made an estimate of the claim. Even though the value of the property may already be degraded, it is still necessary to secure it in such a way as to prevent any further damage. Insurance companies require that property be reasonably secured against further damage.

It is appropriate to request a monetary advance against the final claim settlement. Insurance agencies will often disburse a moderate amount in order to pay living expenses and other necessities while repairs are carried out and the ultimate amount of the claim is decided. Complete and accurate records should be kept of everything relating to this period, from the cost of the short-term expenses immediately after the fire to the cost of repairs and renovations.

If there is difficulty obtaining rightful compensation from the insurance company for fire insurance claims, then it may be helpful to consult with a lawyer about available remedies. It may be necessary to file a bad faith lawsuit to compel the insurer to pay the damages it contracted to pay.

Has Your Home Insurance Company Denied or Undervalued Your Property Damage Claim in Florida?

If your insurance company is dragging their feet regarding your property damage claim you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their own policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case. 

K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.