A major condo fire can leave a lot of questions for policyholders, but one of the biggest is, “What went wrong?” The cause of a major blaze isn’t always immediately apparent, and it can take extensive investigation by professionals to determine what started a fire. Common causes can range from natural weather events to in-home mishaps, and it may take time to uncover the truth.
There Are Numerous Ways Fires Can Start in a Condominium Environment
Do you have suspicions about how the fire started that damaged your property? Unfortunately, there are a number of ways a fire can start in a condo and turn into a major loss event, including:
- Lightning strikes
- Malfunctioning heating and cooling systems
- Improperly discarded smoking materials
- Cooking fires
- Gas leaks
- Electrical fires and wiring malfunctions
- Improper storage of flammable materials
Understand How Your Condominium Insurance Works After You Sustain Losses in a Fire
The cause of a fire can have a big effect on your insurance claim, and it’s important to understand what damages are covered under your policy, the condominium association’s policy, and any other policies that may cover fire damage to the building or your unit. Because so many parties and policies tend to be involved in condominium claims, making a successful insurance claim to recover losses can be remarkably difficult. The most important thing you can do is read and understand your policies, and talk to an experienced attorney if you run into disagreements over how your coverage is supposed to work.
If you are having trouble getting what you need out of a condominium fire insurance claim, you are not alone. Learn more about why policyholders struggle to get what they deserve under the policies they pay for by reading our free book, Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse & Refuse.