Fire Damage

Fire Damage

At The Morgan Law Group, P.A., our Florida fire damage claim attorneys know how devastating a property fire can be. Even if the flames were extinguished quickly, the smoke and ash damage can lead to expensive repair bills and even complete loss. Property insurance coverage protects home and condo owners from having to pay for these damages out of pocket, which provides confidence when it’s time to file a claim. You have paid your premiums. You know the coverage is included in your policy. Why wouldn’t the insurance company pay for your losses?

Unfortunately, our clients know that fire insurance claims are more complex than submitting your expenses and receiving a check for the damages. That is where our fire insurance claim lawyers come in.

Insurance companies will do everything in their power to discredit your fire’s cause, so they do not have to pay for the damage that occurred. When they do not pay for your complete damages, you may not get the full amount you need to successfully recover from the property fire damage.

We can help you pursue the maximum financial recovery that is outlined in the policy your insurance company wrote, using our experience, skill, and legal resources to ensure your property is repaired or replaced in the way you deserve.

Contact our dedicated home and commercial fire damage claim attorneys in Florida today to learn how we can help you face the insurance company with confidence.

How Many Fires Occur Each Year in The United States?

According to the U.S. Fire Administration, there were 1,319,500 fires last year in the United States.

Those fires caused:

• 3,400 deaths
• 14,670 injuries
• $23 billion in losses

The USFA describes residential fires as the leading property type for:

• Nearly 77% of all fire injuries
• Over 73% of all fire deaths
• More than 54% of all the financial losses from fires

What Are The Most Common Causes Of Residential Fires?

At The Morgan Law Group, P.A., our fire damage insurance claims lawyers in Florida know that fires can happen anywhere, including your home, condominium, garage, shed, backyard, or other property.

When a fire does occur, it only takes seconds for the damage to follow, and the fallout of a lingering flame can devastate your home, property, and possessions.

The most common causes of residential home and property fires can include, but are not limited to:

• Appliance failures
• Arson
• Barbecues
• Candles
• Children playing with fire
• Christmas trees and decorations
• Cooking equipment and accidents
• Defective wiring
• Electrical equipment
• Flammable liquids
• Gas Leaks
• Lighting/lamps/lampshades
• Lightning
• Smoking

No matter how the fire on your property occurred, our fire damage claims attorneys in Florida can assist you in preparing your fire damage claim and negotiating the financial requirements necessary to make you whole again.

If you have already submitted a fire damage insurance claim and it has been delayed, undervalued, or denied, we would like to help you get the financial results you deserve by pursuing the insurance company for the full coverage you have paid for.

What Are The Most Common Causes Of Commercial Fires?

At The Morgan Law Group, P.A., our skilled commercial fire damage claim attorneys in Florida know that fires can happen anywhere. And when they occur at your business or another commercial property, your livelihood is immediately jeopardized.

Unfortunately, the insurance companies treat commercial fire damage insurance claims the same way they do residential fire damage claims: By doing everything they can to pay as little as possible for the damages.

We want to help you get the most from your property fire damage claim from the beginning of the claim process.

Some of the most common causes of commercial fires include, but are not limited to:

• Arson
• Cooking equipment
• Electrical and lighting equipment
• Flammable risks
• Heating equipment
• Smoking materials

If you would like to submit a commercial fire damage insurance claim, you must account for any inventory, machinery, and other property that has been destroyed by the flames or impacted by the smoke, ash, or sprinkler systems.

Our skilled fire damage claims attorneys can help ensure your claim is completed and submitted properly to include all the necessary details, so you can pursue the best outcome from the insurance company.

What Types Of Fire Damage Insurance Claims Can The Morgan Law Group P.A. in Florida Help With?

Fire damage requires specialized care and cleanup, and depending on the structure that was damaged, different parties and their insurance companies may be responsible for the damages.

At The Morgan Law Group, P.A., our fire damage insurance attorneys in Florida represent:

• Home or condo owners
• Homeowners’ or Condominium Associations
• Business and commercial property owners
• Vehicle owners

No matter where your fire damage occurred, if your property is insured, and your premiums are up to date, the insurance company owes you a fair evaluation of all damages. We can help ensure that is true, starting with a free consultation.

Should I Take My Insurance Company’s Word For Partial Damage Payouts?

The basic rule of thumb when dealing with insurance companies is that they are never going to value your losses at the proper rate that is covered by your policy. Their objective is to pay as little as possible, or even reject payment altogether.

If your insurance company offers a partial payment for the damages their adjuster has assessed, it is important to do your own investigation to ensure the overall damage is accounted for, and our fire damage claims lawyer can help ensure you have covered all your bases.

Those losses can include:

• Hidden damage from water sprinklers, smoke, and ash that can cause mold, diminished air quality, and damaged ducts.
• Inadequate or improper cleaning and repair methods.
• Disputes over a replacement part matching and line of sight repairs that should return your property to a “uniform and consistent appearance” — even if that means replacing undamaged items like carpeting or roof tiles.

At The Morgan Law Group, P.A., our fire claims attorneys will thoroughly assess your property damage using an unbiased, third-party public adjuster who is experienced and skilled in outlining all your home or commercial property’s issues.

This is important because the insurance company’s claims adjuster works directly for the insurance company, which means they are protecting their employer’s best interests by undervaluing – or even outright denying – your claim.

Our public adjusters only have your best interests at the forefront of our investigation, so you know each of your damages is precisely outlined.

Next, our experienced fire damage claims lawyers in Florida will aggressively negotiate with the insurance company to ensure your legal rights are protected, and your options respected throughout the claims process.

You do not have to face the insurance company alone. Contact our dedicated fire damage insurance claims attorneys today for help.

What Happens if My Fire Damage Claim Has Already Been Denied?

Insurance companies often deny claims for multiple reasons, which can include when the home or property owner files an incomplete claim. While that can be fixed rather easily, then resubmitted, other reasons can keep you from getting the coverage you need quickly.

Common reasons insurance companies deny fire damage claims may include:

• Lack of coverage or exclusions clauses
• Missed filing deadline
• Non-disclosure of facts
• Insufficient documentation
• False statements or questionable claims

If your fire damage claim has been denied, you have the right to appeal the decision. Our skilled insurance claims attorneys will review your coverage, the claim, and the insurance company’s reasons for denying it, so you get a second chance at getting the financial recovery you are entitled to.

Contact our dedicated fire damage insurance claims lawyers to get the help you need today, so you can start rebuilding your home or business without any further delays.

How Can The Morgan Law Group P.A. Help Me Recover The Full Value Of My Fire Damage Insurance Claim in Florida?

Being involved in a dispute with your insurance company can be time-consuming, emotionally taxing, and feel like a no-win situation.

The reason you have fire damage insurance outlined in your policy is so you will be completely protected from those damages when they occur. You do not pay thousands of dollars in home or commercial insurance coverage to be bullied by the insurance company when their only goal should be to help protect you.

Stop trying to fight the insurance company on your own. You deserve more, and our experienced fire damage claims lawyer in Florida will pursue your insurance company for the best financial outcome available for your case.

Our fire damage claims law firm’s negotiation and litigation skills are second to none in property damage claims recovery, and if we do not win your case either through a settlement or jury verdict, you pay us nothing.

Contact The Morgan Law Group, P.A. Today for a Free Consultation

Contact our accomplished fire damage claims attorneys in Florida at The Morgan Law Group, P.C. today by calling 888-904-2524 to schedule a free consultation.

Our Fire Damage Claim lawyers will provide a full assessment of what your claim is worth quickly and effectively, so we can begin holding the insurance company responsible for the repayment you deserve.

The Morgan Law Group, P.A. is a Fire Damage Claim law firm in Florida offers free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our fire damage insurance claim lawyer can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Fire Damage Claims Attorneys in Florida

How Do I Know if My Fire Damage is Covered?

To understand what is covered in your insurance policy, review the specific terms outlined therein. If you do not have a copy of the policy available, contact the insurance company and get one sent to you. The insurance policies declarations page will give you some basic information regarding your coverage.

What Should I Do After My Home or Business Has Suffered Fire Damage?

If your home or business suffered fire damage, be proactive.

• Gather all documents and records related to the property damage.
• Take extensive photographs of your damage and the surrounding areas.
• Take pictures before and after the debris is removed, as well as of the cleanup process itself.
• Provide the insurance company with an inventory of the property that was lost in the fire.
• Allow the insurance company to investigate the fire before cleaning up any damage.

Talk to our skilled fire damage insurance claims attorneys to ensure your rights are protected throughout the claims process.

Will the Insurance Company Cover My Damages If My Home or Business Fire Was Caused by Arson?

All business and house fire insurance claims will be thoroughly investigated by the insurance company before any valuation or payment is made. That includes claims that are caused intentionally or accidentally by a third party.

The insurance company may partner with fire investigators, law enforcement, and other specialists to determine how the fire started, so they can rule out any suspicious activity that may have led to the fire, including arson. They must do their due diligence to ensure the insurance claim is not fraudulent, so they can pay for the damages.

Will the Insurance Company Cover Smoke Damage Claims?

Not all house or business fires evolve into roaring flames. Some can be caused by smoldering, which can lead to heavy smoke damage. Smoke damage claims require an experienced assessment, so all the details are included in your claim. Smoke damage can cause significant damage and require home and business owners to throw away possessions, inventory, or machinery. It can also require multiple cleanings to ensure the premises are safe for use going forward.

Our dedicated fire damage insurance claims attorneys can help outline each loss, so you can pursue your coverage for the maximum amount.

Can My Insurance Provider Dispute a Legitimate Fire Damage Claim?

Yes. And the reality is, they probably will. Insurance companies are in the business of making money, not giving it back to its policyholders. That means they will make you prove your home or business fire was not intentionally set by you before potentially undervaluing or denying your claim outright. You do not have to face the insurance company alone. We can help you negotiate your fire damage claim, so you can pursue the best outcome without being intimidated by the insurance company. We will take the lead.

How Long Will My Fire Insurance Claim Take To Settle?

Most fire claims, if handled correctly, should settle within 90-120 days, but all states and territories have different guidelines as to when the claim MUST be settled. Working with a fire claims insurance attorney will help expedite the process, so you can take back control of your home or business without further delay.

Should I Hire a Public Adjuster If the Insurance Company Discourages It?

The insurance company wants you to take their word for what your fire damage is worth, so they will not publicly announce that you need a second opinion. You are, however, entitled to one. Our skilled public adjusters will provide an unbiased appraisal of the damages, so we can begin negotiating with the insurance company from a place of influence.

How Much Does it Cost to Hire a Public Adjuster?

Most public adjusters charge a small percentage of the negotiated settlement. That means if we do not win your case with the insurance company, we do not collect our legal fees.