The aftermath of a fire can be an upsetting time for families displaced from their home and business owners overwhelmed by their losses.
Despite the loss of property, personal artifacts and more, insurance companies still raise objections that the insured’s negligence caused the fire, that the structure can be rebuilt, or that arson was involved in the damage.
When you need help handling an insurance dispute, contact a skilled West Palm Beach fire damage insurance disputes lawyer at Gordon & Doner. With more than 180 years of combined legal experience, our team of attorneys can help you fight for the compensation you need to rebuild your home or business.
For a free case review, call 1 (855) 722-2552.
Common Causes of Property Fires
There are many different causes of house fires, however, the National Fire Protection Agency notes that the leading causes of home structure fires are cooking and heating equipment.
Some other causes of structure fires include:
- Electrical equipment
- Smoking material
- Cooking fires
- Faulty electrical wiring
- Defective products
If your insurer believes that arson may have been the cause of the fire, your damages may not be covered. However, the burden of proof falls on the insurance company, not the insured. Without evidence, an insurance company denying your claim may be in violation of the Unfair Claims Settlement Practices Act.
It is important for a homeowner to understand what coverage is included under the homeowner’s insurance policy they chose. In some cases, fire damage may be covered, but water damage caused while the fire was extinguished is not.
If you are unsure of what your policy covers, contact a West Palm Beach fire damage insurance disputes lawyer. Our team will fight on your behalf against big insurance companies. We understand that time is of the essence when your home or business is damaged, which is why we will begin to work on your case right away.
Why Fire Insurance Claims May be Denied
Although insurance is supposed to protect homeowners and business owners if disaster strikes, it does not always work this way. Insurance companies are often more worried about saving money than covering a policyholder’s losses.
Some common ways insurers mishandle claims include:
- Undervaluing claims
- Failing to investigate the damage in a timely manner
- Denying a total loss
- Using biased reviewers and investigators
- Denying claims without a reasonable investigation
- Violating the terms of the insurance policy
An insurance company may also employ tactics like stalling payouts or forcing the insured to go through a complicated process in hopes that the claim may be dropped or the undervalued claim accepted.
If you are unable to obtain the compensation you deserve after a fire at your home or business, contact our fire damage insurance disputes lawyers. We offer free legal consultations and can help you determine your legal options.
Fill out a Free Case Evaluation to get started.
A Fire Damage Insurance Disputes Lawyer Can Help
After filing a claim with an insurance company, an investigation will be launched to determine the cause of a fire, the extent of the damage and the value of the claim. Because insurance companies have their own interests in mind, you may not agree with their findings.
Gordon & Doner has access to the resources you need. Along with accident reconstruction and use of fire damage experts, we will gather all the documents necessary to be used in negotiations with the insurance company. We are experienced trial attorneys, which means we are not afraid to take your claim to court in order to help you obtain the maximum amount of benefits you are owed.
Our West Palm Beach fire damage insurance disputes lawyers will walk you through the litigation process so that you can return to your normal life as soon as possible.
Schedule a Free Consultation
We understand how frustrating it can be to deal with an insurance company on your own. A knowledgeable West Palm Beach fire damage insurance disputes lawyer can make a real difference in your ability to rebuild your life after a catastrophic event.
If you believe your insurance company wrongfully denied or undervalued your claim, contact us for a free consultation. Our West Palm Beach fire damage insurance disputes lawyers aggressively protect the rights of insurance policyholders throughout the area.