WHY YOU NEED A CALIFORNIA FIRE LAWYER ON YOUR SIDE
The very last thing you need to worry about after experiencing loss or damage of your property due to a fire, is fighting with your insurance service provider. This can only add more pain to your loss. Although it is the right of insurance companies to investigate any fire before compensating you, it is also important that this investigation is conducted fairly and compassionately. There are several reasons why you should seek the services of a lawyer after a fire. Your fire damage attorney will come in handy when:
1. Your Property Has Been Undervalued
Many times insurance companies tend to undervalue the property. When you are signing your policy you should always make sure you double and triple check to be sure that you have covered everything. In cases where the insurance company undervalues your property after a fire, you need to have a lawyer on board. Your attorney will be able to look into the policy and the investigation and will know the best legal action to take so that you can be compensated for the full value of the property you had insured.
2. Your Claim Has Been Wrongfully Denied
If your insurance company conducts a poor investigation into the cause of the fire, you might end up not being compensated for the damages. If you feel that your claim is being wrongfully denied, you need to call an attorney immediately. Your attorney will be able to advise you on the best way to handle the situation. Fire damage attorneys know exactly what the law states when it comes to denial of claims, and will comb through your policy and will deal with the insurance company on your behalf. Your attorney will see to it that a fair decision can be made concerning the fire damage and your compensation. They will be able to handle all necessary paperwork and forward complaints to the relevant authorities promptly.
3. Fire Was Started By A Non-Covered Cause
When insuring your property, your insurance service provider should always state what the policy covers, and this should appear in your policy document as well. In cases where the fire was caused by something not necessarily covered in your policy, a lawyer will prove to be very helpful. For example, if the fire was potentially caused by a faulty power line or any negligence by the electrical company, then you have a right to pursue such a claim according to laws in the state of California in the small claims court or other judicial courts, depending on the amount of the claim. Your lawyer will be in a perfect position to know how to pursue the matter so that you can get compensated.
4. You Feel the Policy is Being Twisted
More often than not, as sad as it may seem, many insurance companies tend to look for loopholes in the policy so as to avoid paying for the damages caused. They would try to make you read and understand the policy as they would like, and not with your best interest in mind. Getting a lawyer at this point means getting someone who not only has your best interest at heart, but will also follow what the state laws say about compensation. Your attorney will make sure you get compensated fully as per the policy.
5. When Your Insurer Delays the Compensation
If you feel that for one reason or another your insurance company is deliberately delaying the process, it is definitely time to get yourself a fire damage lawyer. Following up on insurance claims can be quite taxing, and can certainly add to the pain of losing your home, business or property. Your lawyer will know exactly how to handle your insurer and prevent any further delays in your compensation.
6. The Insurance Company Did Not Carry Out Any Investigations
It is your right to have a thorough investigation carried out and for you to be supplied with a full report. However, there are some insurance companies that fail to conduct investigations, either to save themselves money or to deny your claim. In case this happens, hiring a fire damage attorney will be your best option, especially if you are not an expert in the nuances of the state laws.
7. Your Insurer Gives a Misleading Report
In an effort to escape from compensating policies, some insurance companies create shortcuts and can present untrue or misleading facts about your claim and their investigation. A fire damage lawyer can involve the services of another investigator to investigate the claim and damages and give their own report. They can then use this to challenge the insurance company in a court of law.
8. When Your Insurer Just Won’t Pay At All
What happens when your insurance services provider totally refuses to pay? This happens to so many Americans who lose their property due to a fire. The best way to deal with this is through the law, and this can only be done well by a fire damage lawyer. This is because cases like this typically end up in court, and you will need somebody to represent you.
These are just a few of the reasons why you would need an attorney. Here at Singleton law firm, we have a successful track record when it comes to handling fire damage claims. We are not only professional but very thorough and experienced when it comes to such claims.