Frequently Asked Questions (FAQs)

How can an attorney helps with my Florida property fire damage dispute?

After a fire for which you file a claim for damages, your insurance company will investigate what the caused the fire. They’ll check out the damage and estimate the overall value of your claim. But they may undervalue your claim. We have insurance dispute attorneys that have access to numerous resources that enable them to make a separate assessment that can be used in a negotiation with your insurance company should a dispute about your claim arise. We will work to figure out what caused the fire, estimate the asset’s value, and look for damage that the insurer may have been overlooked to estimate your claim’s true value.

Is property damage caused by fire covered by my Florida insurance?

The language in your home insurance policy will determine what damages will be covered in the event of a fire. Some policies may only cover damage caused by the fire itself. Other policies may even cover problems arising from the fire, including smoke and water damage. Your policy may also cover structural, wind, melted personal property, roof damage, electrical, and even plumbing damage.

Why was my fire homeowner insurance claim denied?

It’s in an insurance company’s best interest to avoid making payouts to policyholders. To do so, they need to justify their reasons for denying claims. Many states have adopted laws to protect policyholders from wrongful and deceitful actions by insurers. These actions may include:

• Damaged property being undervalued.
• Arson allegations.
• Not investigating on time.
• Denying a claim despite supporting evidence.
• Threatening to prosecute the insured to lower the payout.
• Violating the terms of the policy.
• Delaying valuation or payment of a claim by alleging that arson or fraud played a role in the fire.