The Claims Process: From Filing to Settlement

Filing a fire insurance claim can be a complex process, especially when dealing with the aftermath of a devastating fire. Our dedicated team at McNally Gervan is here to guide you through every step of the claims process, providing expert advice and handling the intricacies on your behalf.

When you file a fire insurance claim, the insurance company will assess the extent of the fire damage and determine the compensation you are eligible to receive. Understanding the terminology used by insurance companies, such as “actual cash value” and “additional living expenses,” is vital in ensuring you receive the maximum compensation.

We start by thoroughly reviewing your homeowners insurance policy to understand the coverage you have and the limits of your policy. Our team will then help you gather the necessary documentation, such as photographs of the fire damage, itemized lists of lost or damaged belongings, and estimates for repairs or rebuilding.

Once your claim is filed, the insurance company will conduct an investigation and assess the value of the fire damage. This process may involve site visits, interviews, and further documentation. We will work closely with the insurance company to ensure they have all the necessary information and advocate for your best interests throughout the process.

Assessing Fire Losses and Property Damage

We understand the challenges in documenting and proving fire losses to insurance companies. We ensure that all aspects of your fire loss claim, including property damage and additional living expenses, are thoroughly documented and supported by evidence. Our goal is to maximize your settlement and help you rebuild your life.

In cases where the insurance company undervalues the fire damage or disputes certain aspects of the claim, our team will diligently negotiate on your behalf. We have extensive experience in dealing with insurance companies and are well-versed in their tactics.

Negotiating with Insurers: Maximizing Your Settlement

For many people, the negotiation process with insurance companies can be overwhelming, particularly when faced with the aftermath of a fire loss. Our skilled insurance lawyers are adept at negotiating with insurers on behalf of our clients. We tirelessly advocate for your rights and interests, ensuring you receive fair and just compensation for your fire loss claim.

Insurance companies may attempt to undervalue your claim or minimize the extent of your losses. They may argue that certain items are not covered, dispute the cost of repairs or replacements, or downplay the impact of the fire on your life. With McNally Gervan by your side, you can rest assured that we will fight for your best interests.

Our team will carefully review the insurance policy, assess the value of the fire damage, and present a compelling case to the insurance company. We will negotiate with them to ensure your settlement adequately covers the costs related to rebuilding, replacing personal property, and any additional living expenses you incurred.