If you have fire damage at your home or business, filing an insurance claim should allow you to recover compensation for repairs, personal property replacement, and other expenses. However, this is not always as easy as it should be. Insurers deny or underpay commercial or homeowners’ claims all the time. A Middleton fire damage claims lawyer from Ged Lawyers can help you.
Our team of disaster recovery lawyers helps property owners seek fair compensation after a serious fire in Massachusetts. If you want someone to handle your claim or need help because of an issue with your insurance company, we are here for you.
How Can Ged Lawyers Help With Your Middleton Fire Damage Claim?
At Ged Lawyers, we handle many types of significant property damage claims based on a range of policy types. This includes homeowners’ insurance, renters’ insurance, and commercial property insurance. We understand each type of coverage, how they differ, and how to recover fair compensation for our clients based on them.
Our lawyers have the knowledge, experience, and resources to build these claims and represent policyholders in proceedings with the insurance company. We know how to communicate with insurance adjusters, provide the necessary documentation of covered damages, and recover expenses for our clients.
In addition to fire damage claims, we manage many other types of disaster recovery claims. This includes all types of property and casualty claims related to your home or business. In our experience, we have probably handled a case against your insurance company or one with similar concerns.
What Is Covered by Your Insurance After a Middleton Fire?
The covered fire damage expenses and losses will depend greatly on your policy and the type of coverage you have. Generally, basic homeowners’ insurance policies cover smoke and fire damage, water damage caused by efforts to extinguish the fire, and other related repairs. This includes:
- Repairs
- Personal property replacement and/or repair
- Loss of use costs such as a hotel or short-term rental, food, laundry, and travel expenses
Rental coverage likely only pays for the contents of your unit, not any necessary repairs. Some policies could provide loss of use coverage while others typically do not. Commercial property damage policies could include lost income while the store is closed, but this generally falls under a separate policy, such as business interruption insurance.
Our attorney will review your policy and coverage to determine what expenses and losses you can claim. They can prepare and file your claim, gather the necessary evidence, and negotiate for a settlement with your insurance company. This will allow you to focus on the most important things during this time, not arguing with the insurer.
When to Get a Lawyer Involved in Your Middleton Fire Damage Claim
We encourage property owners to contact us as soon as possible after their fire damage occurs. This allows us to get started on the case and handle it from start to finish. We will take actions that include:
- Notifying your insurer of the loss
- Filing your claim quickly
- Helping gather evidence to document your covered losses
- Managing the insurance claims process on your behalf
We will establish the coverage provided by your insurance policy and help put a price on:
- Structural repairs
- Water and smoke damage cleanup, removal, or remediation
- Lost personal belongings
- Relocation expenses
- Other related costs with receipts
Your Lawyer Can Get to Work at Any Stage of the Claims Process
Sometimes, property owners begin their own claim and then call us later when they run into a concern. We can pick up your claim, determine where you are in the claims process, and handle the next steps for you. This could be necessary if:
- The insurance company denied your claim, and you believe the reason was invalid
- The insurance company will not explain a denied claim
- The insurer is refusing to cover certain losses you believe are covered in your policy
- They are delaying the processing of your claim
- You do not believe they are properly explaining your policy coverage
- They refuse to provide a fair payout based on your documented losses
We know you want to return to your home or business as soon as possible. We are here to help you navigate the claims process, ensure repairs go smoothly, and get you the money you need to get back on your feet.
What You Need to Know About Your Fire Damage Coverage in Middleton
When there is fire damage to your home or business, the costs add up quickly. Not only are you paying to stay elsewhere or forced to lose income until you can open, but there are necessary repairs and replacement of essential items. You need your insurance company to pay, and quickly.
However, this process is not always easy, and it is rarely quick. Even when you know your insurance policy covers fire and smoke damage, there are often roadblocks to getting the money you need and deserve based on the policy. Insurance companies could contest the claim, lowball your payout, or drag the process on for weeks or even months.
Your insurer could dispute the damage caused by the fire, ask you to document your lost belongings in impossible ways, or take other steps to reduce how much they have to pay you. Working with an attorney can ensure you accurately estimate the full range of your repair expenses and losses. An inaccurate estimate could cause additional delays, reduced payouts, or even a denial of benefits.
Discuss Your Fire Damage Insurance Claim With Our Team Today
At Ged Lawyers, our attorneys can go to work on your fire damage claim today. We help Middleton property owners file claims, document damages, and negotiate for a fair settlement. If your insurer refuses to cooperate, we can fight for the money you need and deserve.
Contact us today by calling our office or using our online form. We will assess your options and explain how our attorney can help you.
