Those who have seen their lives go up in smoke due to the recent California wildfires, it may seem like the burden of rebuilding is daunting enough without the added challenge of dealing with an insurance company.
Your insurance claim could end up being undervalued, delayed, or denied, which could deprive you of much-needed financial assistance. However, there are practical ways to strengthen your claim and secure the compensation you deserve.
- Report the Damage Immediately
- Document Everything Thoroughly
- Understand Your Policy
- Be Honest and Accurate
- Keep Detailed Communication Records
An insurance claim for wildfire damage can include property damage to cover the cost of repairing or replacing your home, business, and personal belongings. You might also be eligible for Additional Living Expenses (ALE) to cover temporary housing, meals, and transportation during the recovery process. Other benefits might include compensation for lost rental income, debris removal, and water damage from firefighting efforts.
To file an insurance claim for wildfire damage, you’ll start with notifying your insurance company. An adjuster will inspect the damage to assess losses. The insurer then reviews the adjuster’s report alongside your policy to determine coverage, factoring in deductibles, repair costs, and property value. They’ll decide to approve, deny, or partially approve the claim. If approved, you’ll receive a settlement offer.
While the insurance claims process is straightforward, keep the following in mind to help you receive the best possible outcome for your settlement:
Tip #1: Report the Damage Immediately
Time is critical. Notify your insurance company as soon as you discover the damage. Most policies have strict deadlines for reporting claims, and acting quickly shows you’re taking the situation seriously. Early reporting also minimizes the chances of delays or complications.
Tip #2: Document Everything Thoroughly
Evidence is your best ally. Take clear, detailed photos and videos of the damage from multiple angles. Keep all repair estimates, receipts, and correspondence with contractors. The more proof you have, the harder it will be for your insurance company to dispute your claim.
Tip #3: Understand Your Policy
Knowledge is power. Read your insurance policy carefully to understand what is covered and what isn’t. If you’re unsure about any details, consult your insurance agent or a legal professional for clarification. This ensures you don’t waste time filing for damages not included in your coverage.
Tip #4: Be Honest and Accurate
Accuracy matters. Double-check all information you include in your claim, such as dates and descriptions. Providing honest and precise details reduces the risk of your claim being delayed or denied due to inconsistencies.
Tip #5: Keep Detailed Communication Records
A paper trail is crucial. Document all interactions with your insurance company, including phone calls, emails, and meetings. Save copies of letters and emails they send you. This record will be invaluable if disputes arise.
Tip #6: Prioritize Safety First
Before tackling the claims process, prioritize your health and safety. Follow evacuation orders and wait until officials declare your property safe to return. Attempting to assess damage before it’s safe can put you at unnecessary risk.
Do You Need an Attorney?
You shouldn’t need an attorney for your insurance claim. However, there are 2 problems:
- Attorneys work with expert independent adjusters who may find things the insurance company’s adjuster left out and overlooked. Attorneys understand the intricacies of an insurance claim and can help victims obtain maximum compensation for smoke and soot damage.
- It is possible a third party, such as an electric company, will be held liable for these fires. An attorney can aid in filing a mass tort action against the third party who is responsible for the asap.
Be aware of scams. Consider seeking out an experienced local attorney to help guide you through a wildfire claim. In general, consultations are free.
California is the leading state for wildfires, with over 9,000 fires reported in 2021, resulting in more than 2 million acres burned. Many residents have lost homes, businesses and livelihoods. Seeking compensation from an insurance company to help build their lives is one way they can move towards recovery from these devastating events.
