When your building—whether a home, business, or another structure—suffers fire damage, your insurance company should pay for repairs, replace demolished property, or cover other associated costs. However, navigating the claims process and receiving the money you deserve is not as straightforward as many imagine.
A Callaway fire damage claims lawyer from Ged Lawyers can handle your claim for losses sustained in a Bay County structure fire. Since opening in 1995, we have helped clients recover more than $26 million. We provide free consultations for property owners. Contact us today for a free case evaluation and discuss how our disaster recovery lawyers can help you file your claim.
How the Ged Lawyers Fire Damage Claims Team Helps Callaway Residents
The Callaway property damage attorneys at Ged Lawyers knows how to build support for a fire damage claim and seek compensation due to you for your covered losses. We regularly handle property damage cases and file these claims for homeowners, renters, and commercial property owners. We are here when you need us for any fire damage claim.
Our multilingual team is available for evening and weekend appointments so you can get started quickly and not have to miss work or other obligations while dealing with your claim. Contact our Callaway personal injury lawyers to manage your claim and take the stress off of you. You pay us nothing unless we recover money for you.
We have staff members fluent in a wide range of languages—English, Spanish, Arabic, Creole, Greek, Portuguese, Russian, and Turkish—to ensure you get the answers you need and understand how we can help with your case.
Our Callaway Fire Claims Lawyer Will Evaluate Your Property Damage Coverage
Every insurance policy has stipulations and exclusions. The type of coverage you have, covered and excluded events, and policy maximums will determine the coverage of your fire-related expenses and losses.
Homeowners’ Insurance
Most homeowners’ insurance policies consider accidental fires as covered events, so insurers pay out to cover property damage from the fire and related events. For example, they usually cover remediation related to smoke damage and any damage caused by efforts to extinguish the fire, such as water damage or holes cut in the roof or walls.
These policies usually pay for:
- Structural repairs
- Clean-up, remediation, and related services
- Personal property replacement
- Loss of use costs while you cannot stay in your home
Renters’ Insurance
Since the property owner must repair their structure, renters’ insurance generally only covers replacing personal property you owned inside the unit. Some policies also provide loss of use costs while looking for another place to rent or waiting on repairs.
Commercial Property Damage Coverage
Commercial property damage coverage varies based on many factors, including your industry and the options you select. Generally, it will cover structural repairs, remediation, and replacing damaged inventory, point-of-sale systems, computers, and other equipment.
Some business owners also invest in business interruption insurance, which helps them continue to pay bills and workers until they can reopen.
Steps Our Callaway Fire Damage Attorneys Take to Manage a Claim
We handle some fire damage claims from start to finish. Others come to us during the claims process when the policyholder encounters a problem and needs help securing the compensation they deserve based on their insurance coverage.
The steps we need to take will differ based on the circumstances, but our approach is the same. We will:
- Review your policy and determine if it covers damage caused by the fire.
- Investigate the cause of the fire to establish whether a third party shares liability.
- Determine needed structural repairs and get estimates from local experts and skilled contractors.
- Calculate the cost of related expenses, such as water and smoke damage clean-up.
- Carefully catalog damaged or destroyed belongings.
- Collect receipts to gauge your relocation costs.
- Answer your questions as they come up.
- Negotiate with the insurance carrier for an appropriate payout based on your covered damages.
- Provide regular case updates to you and your family.
You can count on your attorney to fight for the money you deserve based on your insurance policy and the losses you suffered. An insurance policy is a contract, and we can sue the insurance company for bad faith if necessary if it refuses to uphold its end of the deal.
What Types of Issues Do Callaway Fire Damage Claims Lawyers Encounter?
When property owners attempt to handle their fire damage claims alone, they are more likely to encounter significant roadblocks than our team. The insurance carriers know our lawyers understand applicable laws and will fight for the covered losses included in our clients’ policies.
According to the Insurance Information Institute, fire and lightning damage usually cost significantly more to repair than other types of property damage claims. However, insurance companies frequently try to reduce or deny fire damage claims. A major fire could lead to substantial losses, so insurance adjusters work to protect their companies’ bottom lines.
How Insurers Throw Roadblocks on Valid Fire Damage Claims
The insurer could cause issues with your case by:
- Denying your claim for spurious reasons
- Disputing the cause of the fire
- Claiming the damage did not stem from the fire
- Providing lowball offers for repairs and content replacement
- Asking you to document your personal property in impossible ways
If you encounter any issues with your insurer about your fire damage claim, it is time to contact our team. Our attorneys know how to counter any of these concerns and develop a compelling case file to secure a fair payout based on your insurance policy. We will help you avoid additional delays, fend off lowball offers, and appeal denials to get the money you need to rebuild and recover from this tragic event.
Contact Our Team Today About Your Callaway Fire Damage Claim
Work with a law firm with a history of winning against insurance companies that unfairly delay or deny fire damage claims. Ged Lawyers provides free consultations for property owners struggling to get the money they need for repairs. Our Callaway fire damage claims attorney is ready to work on your case and fight for the payout you deserve based on your insurance coverage. Contact us now to learn more.
