Practice Areas
  • Water
  • Fire
  • Storm

Fire Insurance Claims Attorneys Farmington Hills MIchigan

A fire can be a terrifying and destructive event. In the aftermath, you’re left picking up the pieces, facing the daunting task of rebuilding your life. If your property was insured, filing a fire insurance claim should help you get back on your feet. But navigating the complexities of insurance policies and claim denials can be overwhelming. That’s where Fabian, Sklar, King & Liss comes in.

Our experienced Michigan fire insurance claim attorneys understand the emotional and financial toll a fire takes. We’ll fight tirelessly to ensure you receive the full compensation you deserve under your insurance policy.

What Does Fire Insurance Cover in Michigan?

Most homeowners and renters insurance policies in Michigan cover damage caused by fire. However, the specifics of what’s covered can vary depending on your policy. Generally, fire insurance may cover:

  • Structural damage: Repairs or rebuilding of your home or building.
  • Detached structures: Garages, sheds, or other outbuildings.
  • Personal belongings: Furniture, electronics, clothing, and other possessions damaged or destroyed by fire or smoke.
  • Additional living expenses: Temporary housing and meals if your home is uninhabitable.

The Fire Insurance Claim Process in Michigan

Here’s a general overview of the fire insurance claim process in Michigan:

  1. Report the fire: Immediately contact your local fire department to extinguish the blaze.
  2. Contact your insurance company: File a claim as soon as possible, following your policy’s guidelines.
  3. Document the damage: Take pictures and videos of the fire damage to your property and belongings.
  4. Inventory your lost or damaged belongings: Create a detailed list with descriptions and, if possible, receipts or proof of purchase.
  5. Meet with the insurance adjuster: The insurance company will send an adjuster to assess the damage and estimate repair or replacement costs.
  6. Review the settlement offer: Carefully review the adjuster’s offer. It’s crucial to understand what’s included and excluded.

When to Hire a Fire Insurance Claim Attorney in Michigan

Unfortunately, insurance companies may deny or undervalue your claim. Reasons for denial can include:

  • Policy exclusions: The cause of the fire may not be covered by your policy.
  • Underinsurance: Your coverage limits may not be enough to cover the full cost of repairs or replacements.
  • Failure to disclose information: Not being truthful on your insurance application.

If your fire insurance claim is denied, undervalued, or the process becomes overly complex, don’t hesitate to contact a qualified attorney at Fabian, Sklar, King & Liss.

Fabian, Sklar, King & Liss: Here for You After a Fire in Michigan

At Fabian, Sklar, King & Liss, we understand the immense stress and pressure you face after a fire. Our compassionate and skilled attorneys will work diligently to protect your rights and obtain the maximum compensation you’re entitled to under your insurance policy. Contact us today for a free consultation. We’ll answer your questions, address your concerns, and guide you through the fire insurance claim process every step of the way. Don’t settle for less. Get the fair compensation you deserve. Call Fabian, Sklar, King & Liss today.