House fires or property fires are never an easy thing to deal with. In addition to being temporarily displaced, many items are priceless that can never be replaced or properly appraised in the unfortunate event of a fire.
At Hallmark Attorneys LLP, our trusted insurance legal team is experienced in advancing fire loss insurance claims. Based in Richmond Hill, Ontario, our team guides you through the legal burden faced by many individuals who have sustained a fire loss, no matter how minor or major.
Why Insurers May Deny Your Claim
While most businesses and homeowners purchase insurance as a form of protection in the event of substantial losses due to fires and other casualties, insurers may deny your claim to due waivers in the policy, clerical and administrative errors, arson charges or even misrepresentation.
From our experience, not all insurance companies make processing a fire loss insurance claim easy. In most instances, claimants are asked to provide initial statements and assessments immediately after a fire, at which point the full extent of the fire damages may not even be apparent.
Whether you’re about to commence filing your fire loss insurance claim or your insurance claim has been denied, contact one of our lawyers today and let us help you get through the process with minimal stress.
Legal Representation — Helping You Avoid Pitfalls And Maximize Your Chances Of Success
There are many reasons to hire an insurance lawyer immediately after a house fire especially when providing information to your insurance company regarding the fire. For example, if not done correctly, initial information and assessment provided to the insurer may work against you. The insurance company may expeditiously determine that:
- There was an intent to cause the fire to claim benefits
- You made structural or functional changes to the property without informing your insurer
- You provided inaccurate or misleading information on your initial application which can subsequently void the insurance policy entirely
We recommend keeping all receipts of household items in a location outside your house. Concerning jewellery or high-valued items, we also recommend taking digital photos of these items so that if you do experience a fire, you will have copies of everything somewhere outside your house. These receipts and images can certainly help assist with your claim.
We Take The Legal Burden Off Your Shoulders
One of the great difficulties our clients have expressed when trying to file a fire loss insurance claim on their own is getting through the legalese and endless legal jargon of their policy. Hiring a lawyer to assist you with your claim makes the fire loss insurance claim process far more manageable especially when you have to deal with the emotional and physical stresses that accompany fire loss victims.
At Hallmark Attorneys LLP, our experienced legal team uses our in-depth knowledge of insurance law in processing your claim so you obtain the financial entitlement you deserve.
Have More Questions?
Contact us today and speak with one of our experienced legal professionals and let us help you with your fire loss insurance claim. Fill out the form below or call +1 (548) 708 4291 today to get started.
