What to Know About Fire Damage and Insurance Claims in New York

Losing a home also means losing mementos, possessions, and a place that you made lasting memories. Many individuals will purchase insurance to prepare for the worst-case scenarios such as losing their home due to a disaster such as a fire. However, there are times where insurance companies will inform individuals that they will not hold up their end of the bargain, even if these devastating times. In some cases, insurance companies will assert that the fire was your fault or that you purposefully started the fire to collect insurance money. This is why it is so important to retain the services of an experienced New York City insurance attorney if your home has been affected by fire damage. Our legal team will work to fight for the compensation you deserve. Here are some questions you may have about fire damage and insurance claims in New York:

What can I do if my home has been affected by fire damage?

The first step you should take after your home has been damaged in a fire is to ensure that your loved ones are safe. From here, you can begin to start planning. First, you should speak with your insurance company. If your home was damaged and not destroyed, this will be considered a “partial loss” by your insurance company. If this is the case for you, the insurance company should repair your home. Even in these circumstances, it is important to remember that insurance companies will do everything in their power to cut costs. This may mean hiding damage, insufficient cleaning or removing damage, using cheap repair materials, and more. It is important to ensure that your insurance company uses the same materials that were used to originally build your home to maintain a consistent appearance.

What is a “proper inspection?”

Insurance companies are obligated to pay for a proper inspection which includes a full inspection of all windows, roofing, structural steel or iron, plumbing and heating systems, interior walls and framing, and siding. If you believe that your insurance company is not acting in your best interests and has not performed a proper inspection, look no further than our experienced New York City insurance attorney. We will advocate for you. Give us a call today to get started.

Contact our experienced New York City firm

The Law Office of Craig A. Blumberg is an experienced New York City insurance law 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 our firm to schedule a free initial consultation. A knowledgeable attorney on your side in your time of need can make all the difference.