Reasons Insurance Companies Deny Fire Claims
What Can I Do?
When people are dealing with a fire, insurance companies will look for any reason to deny fire loss claims.
You do not deserve more stress when dealing with loss to your home or business caused by a fire. You could’ve had severe property damage, lost your property entirely, or even a life.
You deserve the chance to pick yourself up and recover. You will need help.
Will your insurer help you?
The sad part is that most insurance companies will try to deny any insurance claim.
However, for the insurance company to deny your residential fire claim, they have to have facts.
They cannot simply deny your claim due to their speculation or suspicion that the fire was started by arson - these are the usual reasons insurance companies deny fire claims and they will always find a way to have such rulings.
We have seen many reasons insurance companies deny fire claims and most of them are done in bad faith. They attempt to deny homeowners what they deserve, by stating reasons like the fire department was unable to effectively locate the source of the fire or some other excuse.
One of the most used reasons insurance companies deny fire claims is to accuse you of arson or insurance fraud. But, not everyone will do these things and, like you, most are just a victim of an unfortunate disaster.
The problem is that an insurance company will always try their best not to pay you or give you less than you deserve because they want to keep their money. They will always try to find an excuse.
Remember that the nature of an insurance company’s business is to get as much money from as many people as possible and hope none to only a few will claim their benefits.
One of the worst-case scenarios when claiming fire insurance is when a massive fire affecting many homeowners occurs, like a forest fire damaging houses in a certain area.
The homeowners in that area, affected by the same situation, will most probably have the same insurer. Because of the fire affecting these homes, the insurer will have to face more than one fire insurance claim, which is bad for their business, they are facing “financial loss.”
During such an event, an insurer will try their best to deny, delay or underpay claims by affected homeowners in an attempt to “save” their company. They will resort to all possible excuses and reasons insurance companies deny fire claims.
Claiming fire insurance can be a hassle and you do not deserve more unneeded stress when dealing with a loss from fire. You deserve the time and chance to fix your home and life back together.
It is in your best interest to hire a skilled insurance claim attorney. An insurance litigation expert lawyer will help you see clearly and dodge the excuses and reasons companies deny fire claims and ensure that you get what you deserve.
To fight back against an insurer acting in bad faith, you will need to have another fire investigator inspect your home in order to receive another opinion. If the second report contradicts the initial fire report, then you could have the fire investigator read his testimony on the stand, if needed.
If your insurance company has denied your Texas fire insurance claim, you need to contact an attorney who handles fire loss claim denials at The Voss Law Firm. Our attorneys will fight to get you the full amount of insurance benefits that you are entitled to.
We will help you get your home or business back by getting the insurance claim you deserve without the added stress that your insurer would otherwise give you.
Please call one of our knowledgeable and experienced Texas residential insurance litigation lawyers to schedule a free, no-obligation case consultation at 281-549-8911 today.
You can also get a FREE copy of insurance litigation lawyer Bill Voss’ e-book: Disputes With Your Insurance Company – What All Consumers Need to Know.