Miami Fire Insurance Claims
Our Florida Attorneys Can Help
Fire damage can utterly devastate a property, destroying appliances, furniture, and even entire structures—not to mention irreplaceable valuables such as photo albums and other memorabilia. At Cernitz Law, our team of experienced Miami fire insurance claim attorneys understands the immense toll the aftermath of a fire can take on our clients. We are proud to represent policyholders pursuing valid fire and smoke damage insurance claims throughout South Florida. If your home or business has been damaged by smoke, soot, or fire, we will do whatever it takes to secure the fair and just compensation you deserve.
What to Do If Your Property Sustains Fire Damage
If your Florida home or business has sustained damage due to fire, soot, and/or smoke, do the following as soon as possible:
- Review your insurance policy to ensure you understand what should be covered.
- Contact your insurance company to begin the claims process.
- Document any property damage by taking pictures and/or making lists of what has been affected. Collect photos of what your home looked like before being damaged if possible.
- Hold on to any documentation—such as receipts—regarding your claim, including those related to any repairs, hotel stays, medical care, and more.
Why Would an Insurance Company Deny a Fire Claim?
If an insurance company denies your fire insurance claim, it may be for one of the following reasons:
- A violation in terms of the insurance policy conditions
- Accusations or charges of fraudulent behavior
- Allegations or suspicions of arson
- Valuation differences
Additionally, an insurance company may deny your claim due to something called “insurance bad faith.” If you believe that your insurer has wrongfully delayed, denied, or otherwise mishandled your case in order to protect their own bottom line, you may have grounds for a lawsuit. Contact a local fire insurance claims attorney in your area to learn more.
Fire & Smoke Damage FAQs
Cernitz Law is here to answer all your fire and smoke damage claim questions! If you have additional concerns, feel free to contact us anytime for a free consultation in English or Spanish.
What is smoke damage?
Smoke damage applies to anything that has been negatively affected by smoke from a fire. Smoke often damages porous materials such as clothing, carpet, curtains, unfinished wood, and furniture, which can lead to the need for either expensive cleaning or replacements.
Does insurance pay for smoke damage?
Yes, coverage for both smoke and fire damage is included in the typical homeowners insurance policy (HO-3). Your insurance policy most likely covers smoke damage from fires inside your own property as well as damage from nearby properties, such as a neighbor’s home that burned down and from wildfires.
Do insurance companies deny fire claims?
Insurance companies can reject fire claims for many reasons, such as if they feel the homeowner committed arson or inflated losses in fire damage or smoke damage claims. Insurance companies may also commit “bad faith” to wrongfully deny legitimate insurance claims.
Our Fire Insurance Claims Attorneys Can Help
At Cernitz Law, we have handled insurance claim litigation throughout South Florida for over a decade. Our legal team is composed of individuals with experience on all sides of the insurance field who have what it takes to stand up to even the most formidable insurance companies on your behalf. We can help you understand your insurance policy, file your claim, determine the value of your losses, and hold the insurance company accountable for the full amount of compensation you are owed.
Contact us now to learn more about how we can help during a free consultation.