Fire Damage

Why Might My Fire & Smoke Damage Claim Be Denied?

  • Allegation of arson
  • Valuation differences
  • A violation in terms of the insurance policy conditions
  • Fraudulent accusations/charges

When a home or a business is damaged by fire, the devastation that remains after the blaze and water suppression efforts is sometimes only ash. Policyholders around the country who have experienced a fire loss know this is a devastating experience that can change your life in a just a few short minutes.

What to do if your property sustains Fire damage:

  • Document any damages to your property by taking clear photographs. Be sure to document any smoke damage, as this type can often be overlooked.
  • Consult with an independent adjuster or damage assessment expert to get a second opinion regarding whether you are dealing with a partial or total loss. Partial losses are often delayed, so it is important to determine what your case is in order to properly measure expectations.
  • Keep track of any receipts or expenses regarding home repairs.

Fire & Smoke Damage Claims

Our claim lawyers understand the tumultuous aftershock that a fire can cause. Everything from clothing to appliances to irreplaceable memories all can be lost to fire damage. Having a valid insurance claim denied after the fact only deepens the wound left behind. We here at Merlin Law Group exclusively represent policyholders pursuing valid insurance claims, including claims for fire and smoke damage.