A house fire can be a devastating experience for a homeowner, and dealing with an insurance adjuster in the aftermath can only make matters worse. Though it can be a complicated process, you don’t have to go through it on your own.
If you or a loved one has been affected by a house fire, know you are not alone. Even if an insurance company has denied your claim, this is not necessarily the end of the road. The fire damage lawyers at the MIC Firm have the knowledge and experience necessary to fight back against your insurer. Read on to learn more about the fire insurance claim process and find out how we can help.
How to Handle the Fire Insurance Claims Process
The insurance claims process can be difficult to navigate, especially when it involves fire damage to your home. However, there are some things you can do to help maximize your insurance claim proceeds. Below are a few important things to keep in mind during the insurance claims process:
File Your Claim as Soon as Possible
It is crucial to comply with your policy and file your claim within the appropriate timeframe. Otherwise, you may forfeit your right to recover damages at all.
Request an Advance
In some scenarios, you can get an advance payment against your claim. If you were forced to evacuate after the fire, this advance can help pay for basic necessities that you were unable to grab before relocating.
Secure Your Property and Mitigate Damages
Insurance policies require that you “mitigate damages.” In short, this means that you must take reasonable steps to minimize further harm to your property. This includes taking action to protect it from the elements, vandalism, and looters.
Keep Track of Your Expenses
Your policy may provide reimbursement for living expenses if you have to relocate after a fire. Thus, it is important to keep a careful record of all receipts, bills, and expenses.
Don’t Feel Rushed
Your insurance company will probably want you to close your claim as quickly as possible. However, don’t feel pressured to do so before you are ready. If you have received an offer for payment that you feel is not enough, contact a lawyer who can evaluate your case before moving forward.
How the MIC Firm Can Help with Your Fire Damage Claim
The MIC Firm has what it takes to assist with your fire damage claim. Our knowledge of this area of the law allows us to help assess and calculate damages, advocate for you against the insurance companies, and work toward a speedy resolution of your claim.
Our team of lawyers has extensive experience handling these types of claims, and we want to help. If your insurer has wrongfully denied your claim or failed to adequately compensate you for your damages, contact the MIC Firm today.