According to the Insurance Information Institute, The average claim value related to fire and lightening was $68,322 for the period 2013 – 2017. While homeowners insurance claims related to wind or hail were the most prevalent for the reporting period, fire and lightening claims were the costliest. You may be able to reopen your claim up to five years from the date of loss, even if it’s been settled.

When you submit an insurance claim for fire, smoke or soot, your insurance company will send its own field adjuster to document and estimate your fire damage. Unfortunately, many property owners assume that their insurance company will do the right thing and pay a fair settlement for their fire damage claim. Property owners may also assume their insurance company’s first offer is their final offer.

Take caution, however. Even with the best of intentions your insurance company’s settlement offer may fall short of what you really need to become whole again. For example, your insurance adjuster may not properly give you “like kind and quality” pricing in their estimate. If your 5 inch baseboards got damaged then they should pay for 5 inch replacements, not 3. Similarly, if your solid wood doors were damaged from fire, smoke or soot, then they should estimate solid wood door replacements, not hollow ones. In addition to the “like kind and quality” issue, your insurance company may altogether overlook some of your damage, or simply assume some damage they see is unrelated to your fire claim.

Components to Your Claim

There are several possible compensatory factors to consider, depending on your specific fire damage, when you have a fire damage insurance claim. These include:

You may be entitled to reopen your insurance claim up to five years from the date of loss, even if it’s been settled.

If you Have Damage from Fire, Smoke, or Soot

If you have fire damage, it is important that you hire insurance claim professionals to accurately and completely compile your fire damage estimate for the insurance company. We are insurance claim attorneys, in which claims adjusting is a part of our service. When you sign up to become a client one of the first tasks we’ll accomplish is to send out our own estimator to document and calculate your damages. This estimate, along with a well-thought-out negotiation strategy by your insurance claim attorney is the foundation of your property damage claim.

Whether you are facing Hurricane DamageResidential or Commercial property damage, Fire or Mold property damage, broken pipes or denied/ unpaid insurance claims, our lawyers are experts in all aspects of Insurance claiming.

With experience working for insurance companies and our in-house adjuster, we’ll make sure you get what you deserve and defend your right in front of greedy insurance companies.

We are convinced we are the attorneys you need, we won’t charge any fee until we recover your money. Get a free consultation now!