You’ve gone through one of the most devastating tragedies. A fire, in your home. The place where you sleep at night. The last thing you want to do is deal with the insurance company. You want them to just be able to handle it. You just want the nightmare to be over. However, there are ways to make this process easier. Keeping organized is key, the more organized you are, the smoother the process will be.
Your insurance includes a clause called “loss of use”. You won’t have to pay for living arrangements while you’re out of your damaged house. Now that doesn’t mean have a field day and go find the most expensive hotel you can and live the luxury life. You’re only entitled to the difference of what it costs you to live in your home and the costs you acquire with your new living arrangements. For example, if you typically spend $300 a week on groceries when in your house, but now you have to eat out more at restaurants and spend $500 a week, you can only claim the difference, $200.
When you have a fire on your lot, “replacement” coverage will help determine what you’ll get to help you replace your home and its contents. “Actual cash value” policies mean the insurance company will determine the cash value of your damaged property. To determine the cash value, you’ll need to provide evidence. So it’s essential to list out everything that was loss due to the fire, if you hadn’t done it before. You want to make sure you and your household list everything out as soon as possible. If it your property is damaged beyond repair, make sure you don’t throw it out.
The insurance company may refuse to replace/repair it if they don’t have physical evidence of it ever being there. Everyone knows to keep track of common items like your big screen TV or your mom’s precious vintage pearls. There’s something else you can claim as well that you may not have thought of, home improvements. If you did a significant improvement on your house, for example, replaced the flooring of the entire house, then you may be able to file the claim with your insurance.
File Claim ASAP
It’s important that you file your claim with your insurance as soon as you can. The insurance company will have you submit a “proof of loss claim”. You remember how you’re supposed to keep all the evidence? This is where you’ll list out all the items lost and include their monetary value. You want to make sure you act fast, because if you don’t, you’ll find yourself far down on the list. Especially if your home wasn’t the only one compromised in the fire. Some other things you may want to mention on the claim are the date you lost the property, injuries due to the fire, and/or a police report.
Even after going through the whole process with your insurance company you may not get your losses covered fairly or completely. With the right attorney, you may able to get the compensation that you deserve. Your suffering ends here.Fire Damage Insurance Claim Attorney Jonathan Korin and his legal team will fight for you to get the proper compensation. Korin, a graduate of Harvard Law, is an expert in Florida insurance law and will help protect your rights. Contact him today for a free consultation, you’ll need to fill out this contact form or give him a call at (786) 870-4266.