If your Panama City Beach home or business suffered fire damage, it can be difficult to navigate the insurance claims process to get the money you need for repairs. When this process drags on, you could be out of your home or work for months. If your property suffered fire damage in Panama City Beach, a fire damage claims lawyer can help you recover compensation for repairs, personal property replacement, and other expenses while you focus on getting on with your life.
Founded in 1995, Ged Lawyers has $26+ million recovered for our clients. Contact our Panama City disaster recovery lawyers today for a free, no-obligation case review with our legal team. We can help you get the compensation you are entitled to.
How Our Panama City Beach Fire Damage Claims Lawyers Assess Your Insurance Coverage
When you purchase an insurance policy, it is a contract between you and the insurer. As long as you pay the insurance premiums and follow the stipulations, they agree to pay for your covered losses when a covered event occurs. In a property damage claim, this could include damage from a fire, including water damage and smoke damage.
The extent of coverage and compensation will depend on the specifics of your policy. Our Panama City property damage lawyers can review your policy to determine what you will include in your claim. In general, homeowner’s insurance policies usually pay for:
- Repairs to your home
- Replacement or repair of your personal property inside the home
- Loss of use expenses while you cannot stay in your home, such as hotel or apartment costs, food, laundry, and other documented expenses
Rental insurance will generally cover the costs of your personal property you need to replace, such as furniture and clothing, and possibly the expenses related to staying in a hotel as necessary. The rental property owner will file their own insurance claim to repair the structure.
Navigating Florida Fire Damage Claims with Our PCB Attorneys
At Ged Lawyers, our Panama City personal injury lawyers handle many types of property damage claims based on relatively minor, moderate, and significant events. This includes filing fire damage claims for homeowners, renters, and commercial property owners. We are here when those in our community need us.
When you trust our multi-lingual team with your case, you will not pay anything until we recover the compensation you deserve based on your insurance coverage. We believe everyone deserves equal access to experienced attorneys, even when they do not have the money to pay for a legal team upfront.
Call today to discuss your claim with our team. We offer free consultations and are available day or night, even on the weekends. We have staff who can discuss your options with you in Spanish, Arabic, Creole, Greek, Portuguese, Russian, and Turkish.
If your business or commercial property suffers fire damage, you can file a commercial fire damage claim to receive compensation for repairs, inventory, and other essential items like your point-of-sale system. Many people also carry business interruption insurance or have coverage that pays all or some of their lost income during this time. This policy may also cover costs related to the temporary relocation of your business during repairs or rebuilding. Our firm frequently files these types of claims for clients.
How Our Attorneys Protect You from Insurance Tactics in PCB Fire Damage Claims
Major fires are relatively rare. According to the Insurance Information Institute (III), only 21.9 percent of all property damage claims stem from a fire or lightning strike. However, they can be devastating when they do occur. Property owners count on their insurance company to help them navigate the claims process and recover the fair compensation they need to make repairs and replace their losses.
This is where things often go wrong for policyholders. Insurance companies do not want to pay out fairly. They want to protect their bottom line. To this end, they could:
- Dispute the cause of the fire, saying it was not a covered event
- Dispute that the extensive damage occurred because of a fire
- Request documentation of lost property in ways that are unreasonable or impossible.
- Provide low assessments of damages for repairs or personal property replacement
- Deny covered costs
- Take other steps to attempt to reduce the money you receive
When you hire our Panama City Beach fire damage claims attorneys to handle your claim, we ensure we have an accurate estimate for repair costs and submit a catalog of your losses that should meet their needs. We fight to prevent any additional delays and to secure the financial recovery you deserve.
How Our Panama City Beach Lawyers Handle Property Damage Claims Against Insurance Companies
We manage fire damage claims from start to finish or represent you when you run into an issue with your insurance carrier. We know how to understand your property insurance coverage, document your losses, and negotiate a fair settlement for your claim. We can help when your insurance carrier denies or unfairly delays paying your valid claim, too. We will not back down to recover money for your losses.
Our team can help you:
- Get estimates for structural damage repairs
- Pricing and scheduling remediation, cleanup, and removal
- Cataloging your damaged or lost personal property
- Understanding your covered relocation expenses and related costs
We can answer your questions about your policy and help you understand your coverage limits, deductibles, and covered losses. We will handle your claim and all the related communication with the insurance company while you work to move forward with your daily life.
We negotiate fair payouts for our clients and hold insurance companies accountable for bad-faith insurance tactics when they occur. We will fight the insurance carrier to uphold their end of your contract with them, pursuing the compensation you deserve for the damages you suffered because of fire, smoke, or fighting the fire.
Contact a Panama City Beach Fire Damage Claims Attorney for Help Today
Ged Lawyers provides free consultations for property owners in Panama City Beach, Florida, after a fire. We can assess your claim and discuss how our Panama City Beach fire damage claims lawyer can help. Contact us today to get started.
