Multiple churches are destroyed or damaged by fires every year, and church policyholders are faced with a number of complicated decisions about their insurance claims in the aftermath. Fire damages generally require extensive repair and cleaning costs, and some churches are forced to close their doors until the funds can be gathered for needed repairs and solutions.
Difficult Decisions Can Leave Churches Struggling to Recover After a Fire
As church policyholders move forward with their fire insurance claims, they will be asked to make a number of difficult decisions about a number of issues, such as:
- Choosing between repair and replacement. Some damages can be repaired, but others will require full replacement. However, insurance companies may fight against paying for full replacements without extensive independent assessments.
- How to handle damage to unique features. Churches are often beautiful buildings with historically significant or artistically unique features. When fire threatens these unique structures, restoration can be prohibitively expensive.
- When losses to other church buildings and property are covered. Church policies may hold unwelcome surprises, and there may be limits to the fire-related damages churches can claim under their existing coverage.
- Other concerns specific to the details of the fire and church losses. Each church may deal with unique challenges, such as how to organize recovery within church by-laws or how to care for a displaced congregation.
While there is a lot of pressure to make the right decisions after a fire, church policyholders don’t have to wait in confusion for resolution of their claims. By working closely with an experienced policyholder attorney, churches can more effectively resolve their fire insurance claims and take action to get back to providing space and services for their congregations. For more information about church insurance claims after a fire, or to get a free review of your claim concerns, reach out to our experienced legal team by phone today.