Fire Insurance Litigation

Common Insurance Claim Issues

Insurance does not cover all losses for three main reasons:

• Most people are underinsured.
• Property items are depreciated by the insurance company so that the payout won’t replace the lost items. All too often, insurance adjusters try their best to make sure that you are not paid. They are employees of the insurance company, so their interest and loyalty lie with the insurer rather than with you. Many claimants have been disappointed when the time came to file a claim because when they really needed the compensation, their insurance company used aggressive tactics to deny them the claim or minimize it as much as possible. In situations like this, you need an experienced property damage and Insurance lawyer
• Many categories of damages are outside the purview of insurance coverage completely (like emotional damages, erosion, interior property upgrades, or lost income) or mostly (like landscaping and trees).

We have professionally trained, and highly experienced lawyers, and staff who are available to answer any questions you have about your insurance claim and the claim process. We are dedicated to assisting our clients with insurance issues to ensure they maximize their recovery through their insurer and receive the full benefits of their policy.

Bad Faith Insurance Claims

This happens when your insurance company commits wrongful acts. The adjuster dismisses your proof of loss, even when you supply the required information and include documentation needed. This is considered bad faith because they are overlooking your needs despite the fact that you qualify for compensation. They can opt to give you a low settlement or deny you coverage without providing a legitimate reason.

What if I Don’t Have Fire Insurance?

We have helped many homeowners and renters who did not have insurance at the time of the fire. If the fire was caused by someone’s negligent, careless, or deliberate behavior, then you are entitled to compensation whether or not you had insurance.

Fire Damage Losses

Fire is an incredibly destructive force capable of causing untold amounts of damage to a structure and to a family’s sense of well-being. The kinds of economic and non-economic damages fire victims often suffer include:

• Smoke damage
• Structural damage
• Loss of personal possessions
• Burns and bodily injuries
• Roof collapse
• Melting
• Plumbing damage
• Electrical damage
• Loss of trees and landscaping
• Loss of renovations & upgrades
• Inconvenience
• Homelessness

The Fire Insurance Lawyers at JSM Law can provide you with powerful legal representation to advocate to get you and your family the fair value of what you’ve lost in the fire. Our property loss lawyers will fight for you and do everything we can to help you get back to your life. We are here to help!