What should I know when fire damages my home?
One of the most unfortunate situations that can possibly happen to a person’s home is if it is damaged by a fire. When there is a fire, you may face smoke damage, water damage from the extermination of the flames, and serious structure because of the fire itself. Of course, when your home or business is damaged in a fire, you will have to deal with your insurance company. They will have to conduct an inspection to determine the extent of the damage on your property. This is known as a “proper inspection” and it should include the inspection of the roof, any structural steel, all plumbing and heating systems, interior and exterior walls, siding, concrete, and windows.
Unfortunately, your insurance company may try to give you less money for the repair of your home than the extent of the damage is truly worth. The insurance company is a for-profit company just like many other businesses and it is always looking to save money which could inevitably hurt you. It is always a good idea to have a public adjuster come and reassess the extent of the damage on their own to make sure the insurance company is giving you a fair amount of money. If it turns out the insurance company is purposefully undervaluing your losses, contact an experienced insurance law attorney who can provide you with assistance.
The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered property loss, please contact our firm to schedule a free initial consultation.