Orlando Fire Claims Attorney
Losing a home to a fire is a large emotional and financial toll for any homeowner. While they may never be able to replace the cherished heirlooms and memories that their home held as their family grew, homeowners can take solace in the fact that not all is to ruin. Through their insurance company, homeowners can pursue the necessary funds to repair the fire damage and rebuild their homes. However, due to the expense of fire claims, insurers must be wary about accepting every claim that is submitted to them without carefully reviewing the facts. Some fire claims are caused by uncovered perils, while other claims greatly exaggerate the cost of the damage. In even more rare instances, though more common than most would expect, foul play is the cause of the fire, which was started as a means to collect insurance money. Here at the law offices of HD Law Partners, our Orlando fire claims attorneys protect insurers from overpaying claims and falling victim to arson caused by the homeowner themselves.
The High Cost of Fire Damage
Fires and lightning account for the single-largest type of homeowners insurance claim cost, according to the Insurance Information Institute. The average fire and lightning claim costs more than $68,000. Fires are much more rare than other types of damages, such as freezing pipes and water damage, but due to the high cost of fire claims, they still account for between 25 to 35 percent of all home damage losses, depending on the specific year. These represent very large expenses for insurers. As such, all fire and lighting claims must be thoroughly investigated to ensure that overpayment or unnecessary payments do not occur.
Top Causes of Home Fires
There are nearly 360,000 home fires every year throughout the nation, according to the National Fire Protection Association. Over 2,600 civilians die in home fires annually, many of which are young children and infants. Preventable deaths and home destruction is all too common, as many U.S. homes are woefully unequipped with smoke detectors. Direct property damage adds up to $7.7 billion dollars—a sum that is largely covered by insurance companies. Yet, many fires are caused by uncovered perils and homeowner arson. Some of the top causes of home fires include the following:
- Smoking;
- Cooking;
- Candles;
- Outdoor grilling;
- Electric heaters;
- Faulty wiring;
- Wood stoves, fireplaces, and uncleaned chimneys;
- Lighting strikes;
- Wildfire;
- Arson;
- Homeowner arson;
- Fireworks;
- Holiday decorations
- Children playing with fire; and
- Home appliances such as clothes dryers and washing machines.
You Can Rely on Our Trusted Orlando Fire Claim Attorneys to Protect Your Business
Not all fires are caused how homeowners claim they are caused, and not all fire damage is as high as homeowners claim it is either. As an insurer, you know this, and rely on experienced attorneys to prove this in litigation. You can trust that the Orlando fire claim attorneys at HD Law Partners can get the job done, and protect you from exaggerated, unfounded, and fraudulent fire claims. To schedule a free consultation with one of our attorneys, call us at 813-964-7878 today.
