Fire Damage and Insurance Claims in New York | What You Should Know.
It is an unfortunate truth that fire damage is one of the most common causes of loss for property owners in the state of New York. Whether it be partial damage or the complete destruction of your home, insurance companies are notorious for denying claims or offering payment that is lower than your policy allows. To make matters worse, they may even attempt to blame you for purposely creating the fire to collect insurance money. If you find yourself being wrongfully accused as the negligent party, continue reading to discover how one of the experienced New York residential fire damage claim attorneys at The Law Offices of Craig A. Blumberg can work on your behalf to aggressively defend your claim.
What should I do if my home has been impacted by fire damage?
If a fire damages your home but does not necessarily destroy it, you may face unique issues with your insurance claim. These claims are considered partial losses and require that your insurance company aid in repairing your home. But remember, insurance companies may attempt to cut the cost it takes to fully repair your home. So, it is important that you look out for your insurance company doing any of the following:
- Hiding damages.
- Delaying work on your home.
- Insufficient or unsuitable cleaning.
- Insufficient or unsuitable removal of damage.
- Insufficient or unsuitable repair methods.
- Using cheap repair materials to patchwork your home back together.
- Using cheap materials that are not uniform and consistent with what was originally used to build your home.
What should I know about proper inspection obligations?
It is important to note that your insurance company is obligated to pay for or conduct a proper inspection of your home after the fire damage. This should investigate all damages, and especially it should address all hidden damages. The full inspection should include the following:
- The roofing.
- All windows.
- Structural steel or iron.
- The plumbing and heating systems.
- The interior walls and framing.
- The stucco, siding, and concrete.
If you believe that your insurance company has not performed a proper inspection or repaired your home to the best of its ability, it is crucial that you retain the services of one of the skilled New York residential property damage claim attorneys as soon as possible. If no one else, we will work in your best interest to recover the full and fair compensation for your fire damages.
Contact our experienced New York City firm
If you require quality assistance after having suffered a property loss due to a fire, a flood, a severe storm, or a robbery, please do not hesitate to contact The Law Office of Craig A. Blumberg to schedule a free initial consultation.