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House Fire Lawyer: Ohio Homeowner’s Insurance Claims

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Get Fair Payment from an Insurance Claim for Fire Damage

Few misfortunes are as scary as a devastating house fire. The speed with which fires spread, the danger they pose to you and your family—it leaves you shaken.

That last thing you want to deal with after suffering a fire is a stubborn insurance company unwilling to help you repair, replace or rebuild what the fire destroyed.

Fires are a leading cause of damage and injuries in the U.S. More than 370,000 residential fires broke out in 2022, resulting in more than $10 billion in damage, according to the Insurance Information Institute.

The causes are many: faulty wires, malfunctioning appliances, accidents, flammable paints and chemicals, even lightning.

Honestly, human error is the most common cause. Cooking accidents, especially leaving a stove unattended, leads to more than 170,000 house fires a year, according to the American Red Cross.

How a fire started is a key component to filing and winning an insurance claim. Insurance companies may try to argue you didn’t take fire prevention steps, that shoddy workmanship increased the risk, or that someone deliberately started it.

Knowing your rights and connecting with a dedicated, compassionate fire damage attorney can make all the difference when dealing with an insurance claim for fire damage.

At Horenstein, Nicholson & Blumenthal (HNB), we have 40 years of experience helping Ohio families recover from devastating economic losses.

Our homeowner’s insurance lawyers take pride in advocating for people when home insurance companies don’t hold up their end of the deal.

If you live in Cincinnati, Cleveland, Columbus, Dayton or anywhere in Ohio, you suffered a fire, and your life is in disarray, we help you pick back up and set things right.

After a fire, we want you to say, “Helping me, that’s HNB.”

Contact HNB  Contact HNB 

GET HNB TO HELP YOU

    What Should Fire Insurance Cover? Advice from Fire Damage Attorneys.

    Insurance against fire is fundamental to owning a home. It’s one of the most important protections for the biggest investment in your life.

    A solid policy covers a raft of consequences from a fire:

    Structural Damage: Most homes are built with wood framing and drywall, which burn in a fire. An insurance claim for fire damage helps you repair and rebuild.

    Personal Belongings: Fire insurance can cover the cost of replacing appliances, furniture and personal items.

    Relocation Costs: If the fire forces you out of your home, insurance can cover the cost of living elsewhere, including hotels or apartments, as well as meals and clothing you may need.

    Personal Liability: A quality homeowner’s insurance policy will cover medical bills and other costs if someone who wasn’t a member of your household was injured or if the fire spread to someone else’s home.

    There are limits. Insurance policies usually have a cap on the amount they’ll cover, leaving you responsible for making up the difference.

    In some cases, you can buy guaranteed or extended fire coverage to ensure you have enough to fully restore your home.

    Putting your legal case together after a fire isn’t simple. It takes careful documentation and investigation by experts to determine the cause. Once a cause is determined, insurance companies may look for ways to deny coverage.

    When you feel an insurance company isn’t treating you in good faith, an experienced house fire lawyer in Ohio can help you push back on delays, denials and inadequate awards.

    At HNB Law, we’ve secured millions for homeowners across Ohio.

    We’ll provide the support you need after suffering a devastating fire. Start by getting us to evaluate your case for free.

    Get My Free Case Review 

    How To Build an Insurance Claim for Fire Damage

    Besides having a strong homeowner’s insurance policy, there are several steps you can take to improve the chances you’ll win compensation after a fire.

    Your personal safety comes first. Get to a safe location and call emergency services as soon as a fire breaks out.

    If you can, gather photos and other evidence showing the condition of your home before the fire. After the fire, take pictures and notes about what was damaged.

    Carefully read your insurance policy. (And get your homeowner’s insurance lawyer to study your policy.) It may have exceptions, such as arson.

    File your claim as soon as possible. Often there are time limits to pursuing an insurance payout.

    Include all documents that show proof of loss. Your attorney will know what you need.

    Contact a qualified adjuster to examine the damage. They can produce a detailed report, so you aren’t surprised later by even more damage expenses.

    Above all, be honest. If you misrepresent your damage an insurance company could deny your claim.

    Insurance companies will look for ways to pay as little as possible. First offers are usually far too low to make you whole. Don’t take what’s given without consulting a fire damage lawyer who puts your priorities first, not the insurance company’s.

    Protecting clients is what we do at HNB. We stake our reputation on making homeowner’s insurance companies pay what they promised.

    If you’re facing a dispute over a fire insurance claim, let us help you through this ordeal and get you and your family back in your home and back to normal.

    Call HNB Today