Property Damage Due to Fire, Smoke, and AshWhat comes to mind when you think about fires? Most people only think about the flames of the fire and the possibility of structures burning to the ground. However, not all fire damage is burn-damage. Smoke and ash can cause a significant amount of damage to properties.
Learn more about your options for compensation by calling (213) 389-3765.Smoke and ash could damage all of the following:
- Ceilings, walls, and windows
- Filtration systems (such as pools, artificial ponds, and hot tubs)
- Outdoor areas (such as yards, lawn, gardens, and any greenery)
- Personal items (such as furniture, family heirlooms, clothes, family pictures, etc.)
- Ventilation systems (such as air conditioning and heating systems)
Your Homeowner’s or Renter’s InsuranceWhether you own or rent your home, it is likely that you have some sort of insurance coverage that could apply. Insurance coverage for homes usually covers devastating events such as fires; therefore, those affected by any type of fire damage could find relief after filing a claim with their insurance provider. After filing a claim, the parties affected could receive many types of compensation. For instance, you could be compensated for replacement of your damaged property, cleaning of your damaged property, relocation costs (e.g. temporary rentals, hotels, motels, etc.), and any out of pocket costs resulting directly to the fire damage to your property. For many people affected by smoke and ash damage after a fire, thinking of their insurance coverage could provide them with peace of mind. However, insurance companies do not always make it easy for victims of property damage caused by fires to file claims and recover compensation.
Common Issues with Fire Damage ClaimsUnfortunately, it is up to the insurance company’s discretion to approve or deny a claim resulting from fire damage, smoke damage, or ash damage. In many cases, insurance companies simply deny claims and refuse to pay claimants for the damage sustained by their properties. Some of the common reasons for denied claims include insurance companies believing that the damage is not extensive enough, that the damage was caused by a previous incident, or that the claim is simply false. Insurance companies lose a lot of money due to fires-especially wildfires. Therefore, it makes sense for insurance companies to be hesitant to approve fire, smoke, and ash damage claims. After a claim is denied, claimants often look for other ways to rebuild and focus on recovering what was lost. Common options often include loans. However, many claimants never file appeals to the decisions made by insurance companies. In fact, many claimants never seek legal assistance at all. If you encounter any difficulties with your smoke and ash claim, you might be in need of legal assistance. When you hire a smoke and ash attorney to handle your fire damage claim, you will be represented by someone with experience in handling these claims against insurance companies. When you hire an attorney, there will always be someone representing your best interests and aggressively fighting for your right to be compensated for the damage caused by the fire. Hiring an attorney to handle your claim could prevent the insurance company from unjustly denying your claim and trying to avoid paying you for your losses. If you are interested in pursuing your smoke and ash claim against your insurance company with the legal assistance of a knowledgeable attorney, do not hesitate to seek legal assistance with our attorneys at your earliest convenience.
Call (213) 389-3765 to set up a free, no obligation consultation to find out if you have a case.
Important Steps for Pursuing a Claim against your Insurance ProviderAre you interested in pursuing a fire and ash claim against your insurance company? If so, there are a few steps that you could take to ensure that you have the tools necessary to pursue your smoke and ash fire damage claim. Consider the following recommendations:
- Take photographs. As soon as it is safe to enter your home, begin taking photographs of the damage. You should document all of your losses.
- Contact your insurance company. Contact your insurance provider and report your damage. The insurance company will send a representative out to your property to evaluate the damages.
- Collect supporting evidence. Gather records that show the price of your damaged property. If you no longer have access to physical records due to the fire, look for virtual records (i.e. email receipts, purchase history, bank statements, credit card statements). If you hire any professional services to clean the ash or smoke from your property, ensure to keep all receipts.
- Contact an attorney. Contact a law firm and speak to an attorney.