In a 2010 survey performed by the National Fire Protection Association, it was noted that U.S fire departments responded to approximately 45,000 home structure fires that were caused by either electrical failure or electrical malfunction.
Unfortunately, these fires resulted in over 1,500 civilian injuries, 400 civilian deaths and approximately $1.5 BILLION in direct property damage.
In a preceding study, it was noted that between 2005-2009, over 40% of home fires that involved electrical failure were caused by either lighting equipment or devices that distribute electricity. Furthermore, over 15% of all fire-related deaths in home structures were attributed to those electricity distribution and lighting devices.
Leading Causes Of Electrical Fires
There can be a number of contributing factors to any residential or commercial electrical fire, however there are some common elements that show up frequently in many property damage-based reports.
Some of those factors include (but are not limited to):
- clothes dryer or washer
- electrical distribution equipment
- heating equipment
- cooking equipment
It must be noted that while the causes of electrical fires in single person and multiple person dwellings are different, a common factor was that a substantial amount of home fires were caused by ranges, washer / dryers and ceiling fans.
In fact, electrical failure was cited as the primary contributing factor for creating an ignition source in 73% of electrical structure or lighting equipment home structure fires.
What Can I Do If My Insurance Company Rejects My Claim
While many insurance companies do pay damages to their policy holders, it is not in their best interests to do so. It is their job to provide their stock holders with a profit at the end of each financial year. In order to do this, they need to issue and receive payment for as many policies as they can, while paying out the absolute bare-minimum to their customers.
It is important to note that this mentality not only applies to a home insurance claim, but also in personal injury , auto collision claims and the like. Insurance adjusters are highly-skilled individuals that are trained to obtain information from you that can be used against you in a court of law.
This is where the services of a reputable attorney becomes quite valuable. At Gordon & Doner, we are already aware of the techniques and tactics that these insurance underwriters try to put onto their policy holders, and we can help to guide our clients pasty their questions and obstacles so that your best interests are protected.
How Can I Find A Reputable Lawyer?
We have a history of integrity that we are very proud of - we represent the people not the powerful and will fight for your rights in a court of law.
If you are unsure if you have a case, or if perhaps you do not feel that you are able to confront a large insurance company, we can help. With over 150 years of combined legal experience, our firm has obtained favorable verdicts and settlements for thousands of clients. We have the tools and resources to handle your electrical fire property damage claim.
With offices throughout South Florida (Martin / Palm Beach / Broward) we can help you today. We work on a contingency basis - what this means is that we don't get paid unless we get a settlement for you.
To find out more, simply call us on 1 (855) 722-2552 or fill out the "Free Case Evaluation" form in this page.