A house or business fire can be incredibly dangerous and devastating, often causing a total loss of the property. Whether a building has suffered partial or complete fire damage, the setback can be difficult to overcome, particularly if the insurance provider fails to honor your insurance claim. If you are facing an insurance dispute regarding a denial, delay, or undervaluation, you may be entitled to take legal action to hold your insurer to the obligations of your insurance contract.
Contact the NYC fire property damage claim attorneys at Wingate, Russotti, Shapiro & Halperin, LLP for a free consultation about the best course of action to protect your rights. Call (212) 986-7353 and receive insight from a skilled attorney to help make the right choices in your case.
How a fire was started can determine whether your insurance company will provide financial coverage. In many cases, insurance policies tend to include damages that are accidental in nature and could not have otherwise been prevented, such as:
- Faulty electrical wiring
- Gas leak
It can be difficult, however, to find adequate proof of what caused a fire, as it may have been destroyed by the fire itself, but the skilled attorneys at Wingate, Russotti, Shapiro & Halperin, LLP can help you investigate your property fire, as well as carry out the damage claim on your behalf.
Unfortunately, there are many cases in which a property owner will burn or set fire to his or her own property in the hope of collecting a substantial insurance payment. Not only is intentionally burning or setting fire to a home or business considered arson, but filing a property damage claim after committing arson is counted as insurance fraud. Unfortunately, it is all too common for insurance companies to use the arson defense to deny a valid fire damage claim in order to avoid paying a costly coverage amount.
It is important to note that insurance companies bear the burden of proof when it comes to the arson defense. The insurer must provide evidence that someone committed arson, that the owner had motive for making a false claim, and that there is sufficient evidence implicating the owner.
If your property has suffered damages due to arson, the aggressive legal team at WRSH will work tirelessly to ensure that your valid claim is honored by your insurance provider.
Fire damage insurance typically goes toward the overall cost of damage to a building, the property within a building, and the cost of relocation in the event that a building is a total loss. Your insurance provider will send a loss adjuster to assess the damage to your property, but it is essential to remember that this adjuster is working on behalf of your insurance company and will be looking to minimize the amount of payout as much as possible.
Our legal team understands what it takes to receive a fair appraisal of the damage to your property after a fire, and will fight on your behalf to ensure that you obtain a fair and just settlement from your insurance provider.
These are a few steps you may follow to strengthen you fire damage claim:
- Contact your insurance company immediately
- Document the damages by taking photographs and writing a detailed inventory of the damage
- Keep copies of the fire department and/or police records
- Do not sign a release or waiver
- Make temporary repairs to prevent further damage and keep the receipts for the cost of these repairs.
Contact the NY property damage lawyers at Wingate, Russotti, Shapiro & Halperin, LLP for knowledgeable legal representation in the event that your home or business has suffered fire damage. We have experience defending property owners against bad faith insurance practices and will work closely with you to protect your best interests. Please call (212) 986-7353 to schedule a free consultation.