If you had a fire on your property, you may believe your insurance company will help you quickly. However, some insurers will take their time about paying your claim and may even dispute the facts in the case, leaving you frustrated and without the payment you need. If you plan to file a fire damage claim, our Margate lawyer can help you.
Our Margate personal injury lawyer has extensive knowledge about the way insurance companies work. We know how to make the insurer take your claim seriously and how to dispute unfair claim denials. Ged Lawyers takes pride in helping people who are facing roadblocks with an unfair insurer.
How Our Attorneys for Fire Damage Claims in Margate Can Help With Your Case
Even if you purchased a homeowners’ insurance policy, you may not know exactly what your policy covers. When it is time to make a claim for your fire damage, you may not be quite sure how you can reach out to start the claims process.
If your insurance company begins questioning your version of events or starts quoting sections of your policy that may limit your ability to recover fair compensation, you may feel even more confused and frustrated. Fortunately, the team at Ged Lawyers is ready to represent you. You can benefit from our legal services because we will handle tasks like:
Documenting the Fire Damage
The insurance company will send an adjuster to your property to document the damage and take photos. However, what the adjuster records as damage and what truly represents the full list of your damage may be completely different.
Our fire damage legal team will take our own photos and videos to document the damage and to hold the insurance adjuster accountable for compensating you.
Submitting Your Margate Fire Damage Claim
Insurance companies may drag out the process of paying your claim by accusing you of making errors or omissions in submitting your claim. These stalling tactics often are purposeful, as the insurer is hoping you may simply agree to a smaller payout than you should have out of frustration.
When you hire Ged Lawyers immediately after your fire, we will submit the claim for you, making sure we take all the types of property damage you suffered into account. You can trust us to hit all deadlines and promptly gather all the documentation that the insurer wants to see. We fight hard to take the delays and lags out of the system, always working toward helping you receive your full payout as fast as possible.
Negotiating an Insurance Claim Settlement
Even when we are providing all the evidence and claim forms required to receive your payout after the fire, the insurance company may still try to deny or reduce your claim.
Our fire damage attorney in Margate will represent you in formal negotiations with the insurance company. Negotiating is a common practice, especially for large financial claims. Our property damage lawyers appreciate the chance to present the facts of your case that show why you deserve a fair payout on your claim.
Holding the Insurer Responsible for Paying Your Property Damage Claim
Ultimately, insurance companies want to reduce the amounts they pay in settlements as much as possible. When they make lower payouts and avoid giving you money for repair costs, they increase their profit margins.
Our fire damage claims legal team works hard to hold the insurer responsible for the promises it made when it sold you the policy. Additionally, as a purchaser of insurance, you receive protection through the Florida Homeowners’ Claims Bill of Rights.
As a homeowner, you may not have the time or inclination to fully understand what is in the Bill of Rights or your policy, but we do. You can trust Ged Lawyers to make sure that the insurance company lives up to its obligations and promises.
How Our Margate Fire Damage Insurance Attorneys Can Help With a Claim Denial
When you suffer property damage from a fire, you must go through several frustrating steps to try to put your life back together. Few things are as frustrating, though, as having the insurance company completely deny your claim, leaving you with no payment for your fire damage.
At Ged Lawyers, we can help you figure out the most common situations in which insurers deny claims after a fire. We then pay particular attention to those areas, giving you a chance at receiving the full claim you deserve.
Reasons your insurance company may have denied your fire damage claim include:
The Insurer Says Your Policy does Not Cover Your Damage
Although you may believe any insurance coverage you have should cover your fire damage, you may have specific language in your policy that denies coverage for certain circumstances related to the fire.
Trust our team to go through your policy language thoroughly, looking for ways we can defend your right to seek a payout.
Your Insurance Provider Believes You Intentionally Set the Fire
Most property insurance companies will deny your claim if they believe you or someone else set the fire on purpose. The insurer does not have to prove that a criminal act occurred to deny your claim. They simply need a strong suspicion that the fire was intentionally set.
We will seek facts that show the insurer is incorrect for trying to blame the fire on an intentional act.
The Insurance Carrier Says the Damage Occurred Before the Fire
The insurer may try to say that some of the property for which you are trying to receive payment had previous damage, meaning the fire did not cause it.
Our team will take photos and videos of all the fire damage and then find facts to show that the damage occurred in the fire. We may need to talk to people who visited your home and can serve as witnesses.
Contact Our Fire Damage Claim Attorneys in Margate Today
The aftermath of a fire is stressful enough. The last thing you need is to have your homeowners’ insurance company begin questioning your claim and withholding your money.
Let our Margate fire damage claims lawyer deal with the insurance company for you, so you can focus on the other aspects of putting your life back together. Reach out to Ged Lawyers today for a free case review.