You purchase homeowner's property insurance hoping that you will never need to file a claim for fire damage. Unfortunately, fires do unexpectedly erupt and the devastation left behind is enormous. If you need to file a fire insurance claim, there are some things you should do.
1. Notify the insurance company promptly. You also need to go over what your insurance policy limits are and what is covered. If your insurance policy was destroyed in the fire, order a new copy from the insurance company.
2. Keep track of your communications. Every time you talk with the insurance company, write down the name of the person you spoke with, job title and supervisor’s name. Document all communications.
3. Don’t give a recorded statement without understanding your rights. You need to comply with the insurance company's investigation and any reasonable requests. But you should speak with an experienced insurance claims lawyer, if the insurance adjuster requests to take a recorded statement from you.
4. Document your losses. Take photos and video of all damages. Presrve all proof of expenses.
5. Don't sign any releases. If your insurance company is asking you to sign a release, do not sign it without consulting with an experienced insurance claims lawyer first.
6. Consult an experienced insurance attorney. Fire insurance claims are complicated. An experienced insurance claims attorney can help identify all recoverable damages and move the claim forward in an orderly fashion.
You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].