If you live in Sonoma County or Napa County or anywhere in the North Bay and have suffered fire damage to your home as a result of the October, 2017 California fires, you will want to make a fire damage insurance claim on your homeowners’ insurance policy.
At Fiumara & Milligan Law, we handle insurance matters and insurance bad faith litigation and can help you with insurance claim disputes.
There are a number of things you must consider before and when making a fire damage insurance claim.
Before You Suffer a Loss
-Make a video of your home, inside and out
-Videotape all the rooms in your home, and include things of great value to you, monetarily or personally
-Take pictures of these items
-Make an inventory of your possessions if you can
After You Suffer Fire or Water Damage to Your Home
You will also have to consider whether you should sign a contract with a public adjuster or whether to handle your fire insurance claim with your insurance company yourself.
Consider the following:
-How can you get your personal property claim paid fairly as well as any claims for damage or loss to the structure of your home?
-How do you know if your insurance company is cheating you, underpaying or outright wrongfully denying your claim?
-Should you sign a contract with a contractor right away?
-What coverages do you have on your home?
-What notice must you give?
-What is a proof of loss?
-What is Actual Cash Value (“ACV”) versus Replacement Cost Value (“RCV”)?
-Do you have extended coverage?
-Do you have mold coverage and does it matter in a fire claim?
-What does it mean to mitigate your damages?
-What are your duties under the policy?
-Will your insurance pay for temporary housing?
-Will you be covered should theft or vandalism occur following the fire?
-Will your vehicle be covered if damaged or destroyed by the fire?
These are important and often difficult questions that usually come up during the claims process after a fire loss to a home. Understandable, most homeowners do not understand the complexities of insurance and the legal and technical aspects of a fire insurance claim.
Contact Fiumara & Milligan Law at 707-571-8600 Today For IMMEDIATE HELP
Fiumara & Milligan Law, PC has teamed up with Mauro Archer and Watts Guerra—a prominent national Tort Litigation law firm specializing Fire mass tort litigation.
So what you can’t get from your underinsured policy or from your adjuster, we aim to get you the real value of your loss, plus emotional stress and punitive damages which your insurance policy does not cover in the first place.