Wildfires leave devastation in their wake, and the aftermath often includes the daunting task of filing an insurance claim. While this process can feel overwhelming, there are steps you can take to protect your rights and ensure your claim is handled fairly. Here’s what to keep in mind:
- Know When to Seek Help
Wildfire claims are rarely straightforward, and the stakes are high. Consulting with an experienced attorney early in the process ensures your rights are protected and that every aspect of your claim is carefully addressed. A lawyer can act as your advocate, help navigate disputes, and provide the guidance you need to maximize your recovery.
- Document Everything
Once it’s safe to return to your property, gather as much evidence as possible. Take photos and videos of the damage, and keep receipts for any temporary repairs or living expenses. A lawyer can help identify what documentation is most critical for your claim and connect you with experts—such as appraisers or structural engineers—who can evaluate the full extent of the damage. These expert evaluations are often vital for building a strong claim.
- Obtain and Analyze Your Full Policy
Many homeowners assume the declarations page, which lists coverage limits, is the entirety of their policy. However, your full insurance policy is a lengthy contract with detailed terms, conditions, and exclusions. Requesting and understanding this document is crucial. A lawyer can help you obtain your complete policy, review its provisions, and clarify how your coverage applies to your unique situation.
- Seek Legal Advice Before Filing Your Claim
Filing a claim might seem straightforward, but the timing, wording, and structure of your claim can significantly affect its outcome. An attorney experienced in wildfire claims can guide you through the process, ensuring no coverage is overlooked and helping you avoid common pitfalls.
- If You Don’t Have a Lawyer, Be Extra Cautious During Inspections
When insurance adjusters inspect your property, remember they represent the insurance company’s interests—not yours. Be honest and straightforward, but avoid speculating about the causes of damage or the value of your losses. Without legal representation, take careful notes, ask questions, and don’t feel pressured to accept an initial assessment without proper review.
- Maintain Detailed Records
Keep meticulous records of all communications with your insurance company, including emails, letters, and notes from phone calls. Document the names of representatives you speak with, what was discussed, and any deadlines provided. A thorough paper trail can be crucial if disputes arise.
You Don’t Have to Face This Alone
Navigating an insurance claim after a wildfire can be an intimidating process. However, with the right preparation and support, you can reduce stress and uncertainty while focusing on rebuilding your life. Whether you need help understanding your policy, documenting your losses, or challenging a lowball offer, professional guidance can make all the difference.
At Kabateck LLP, we’re committed to standing with those affected by wildfires and ensuring they receive the compensation they deserve. For more information or assistance with your claim, contact us today.