The loss of your home or business due to fire damage is a traumatic event. The thought of dealing with this difficult situation on your own is the reason most people carry insurance. These policies exist to cover this type of life-altering loss, but claims do not always work out that way. Insurance companies often look for excuses to deny claims to save their company money.
If you are considering filing an insurance claim after a fire, you might consider getting legal help. A Panama City fire damage claims lawyer from our firm could provide you with guidance as you pursue financial recovery. Contact us today for a free consultation with our experienced personal injury lawyers in Panama City.
GED Lawyers Can Help With Your Panama City Fire Damage Claim
You have the right to hire an attorney to assist with your claim, and you deserve legal counsel that can help you pursue fair compensation. Some of the ways GED Lawyers could help with your claim include the following:
Documenting Your Damages
Our team can determine the extent of your losses. This includes fire damage to your home or business, as well as damage to any outbuildings on your property. Our team of property damage lawyers in Panama City can take photos of your losses to help document the extent of your damage as well as identify which parts of your property were destroyed.
Submitting Your Insurance Claim
It is vital that your insurance claim includes all the important information the insurer needs to decide how to handle your claim. Our attorneys can ensure that your claim is submitted with the relevant documentation.
Negotiating a Settlement
In many cases, insurance companies are willing to negotiate a settlement. This is possible even following the denial of an insurance claim. However, insurance adjusters are trained to aggressively negotiate with the insured. We can negotiate on your behalf to ensure you are treated fairly.
What Your Policy May Cover After a Panama City Fire
The terms of your insurance policy will determine which damages your insurance company is required to cover. It is important to remember that not every policy is identical. There are some losses that might be excluded in one policy that are included in another.
The attorneys at GED Lawyers are ready to help you evaluate your insurance policy to determine what coverage you are entitled to. You could recover compensation that helps you with:
Repairing Fire Damage
One of the most important aspects of a fire loss claim is undoing the physical damage caused by the fire. In minor cases, this could include repairing a roof or flooring. In major losses, it could involve rebuilding a home from the ground up.
Remediating Smoke Damage
In addition to the fire itself, damage from smoke is also covered by many homeowners’ policies. Smoke can result in serious health issues and require extensive remediation to make a home livable again. While the American Red Cross offers tips on cleaning up after a fire, the cost of this remediation could be covered by your insurance.
Replacing Lost Items
An insurance claim is about more than just the structure that was damaged in a fire. You could also be entitled to compensation from your insurance company based on the personal items destroyed in the fire.
Covering Other Expenses
There are several additional expenses that can arise after a fire damages your property. In addition to repairing your home or replacing your belongings, there are incidental expenses related to living with fire damage. This could include expenses related to temporarily relocating your family or providing you with lost business income.
What Does a Fire Damage Claims Lawyer Cost?
Many people that suffer a fire loss find themselves in a sudden and unexpected financial bind. This can make the prospect of hiring an attorney to help you with your insurance claim seem like an unreasonable expense. The good news is that when you hire us, you never have to risk walking away from your insurance claim with nothing to show for it but a bill from your lawyer.
At GED Lawyers, our team accepts fire damage claims on a contingency-fee basis. That means we handle your case without upfront fees. Instead of charging by the hour or asking for a retainer, we keep a percentage of anything we secure from the insurance company on your behalf as our fee.
Watch Out for Bad-Faith Insurance Tactics
One reason why many people choose to hire an attorney is that insurance companies do not always act in good faith. These companies are driven by profit, and your claim could get in the way of that.
There are several ways the insurance company could delay or deny your insurance claim. This includes dragging their feet on responding to your claim or unreasonably delaying the process of providing you with compensation.
In some cases, the insurance company will deny a claim entirely. This can happen even when the insurer is unable to provide a clear reason for the denial. Insurers can also play hardball during settlement negotiations or allege that your loss isn’t severe enough to require a claim at all. Our firm is ready to hold them accountable and ensure they act in good faith.
Talk to Us About Your Panama City Fire Damage Claim Today
If you are considering an insurance claim after a fire loss, it is important to have strong legal counsel by your side. An attorney could hold the insurance company accountable if they failed to act in good faith in your case.
The attorneys at GED Lawyers have a strong track record of resolving fire damage claims. We look forward to using our experience to help you pursue a fair settlement. Call us today to discuss hiring a Panama City fire damage claims lawyer. We offer free consultations.