Property, Fire & Wildfire Insurance Claims

Let us answer your property insurance questions…

When your home or property has been damaged by fire, wildfire, smoke, or another insured event, dealing with the insurance company can be overwhelming. You may be faced with significant damage, uncertainty about your coverage, and questions about how much your insurer should pay.

At Davie & Associates we can assist property owners who are experiencing difficulties with their insurers following a property loss, including disputes over coverage, the value of a claim, rebuilding costs, and delays in resolving claims.

If you are having difficulty with a property insurance claim, contact our law office to discuss your situation with our team.

Property Insurance Claims Explained

Property insurance is intended to provide financial protection when your property suffers damage or loss covered by your insurance policy. However, determining what is covered and how much should be paid can become complicated, particularly following a major fire or wildfire.

A property owner may be dealing with contractors, restoration companies, adjusters, engineers, assessors, and insurance representatives at the same time. At the same time, you may be unable to live in your home or use your business property.

When disagreements arise with an insurer, it is important to understand your policy and your rights. A property insurance lawyer can help you assess the issues surrounding your claim and determine what options may be available.

Common Problems with Fire & Wildfire Insurance Claims

Following a fire or wildfire, property owners may encounter a number of problems when dealing with their insurance company. These can include:

• Disputed coverage
• Inadequate settlement offers
• Rebuilding costs
• Contents claims
• Smoke contamination
• Additional living expenses
• Delays in resolving claims

A fire can cause much more than structural damage. Smoke, soot, water used to extinguish the fire, and other effects can result in extensive damage throughout a property.

Wildfires can create additional challenges. A property may suffer direct fire damage, smoke contamination, damage to landscaping or outbuildings, or other losses. In some circumstances, evacuation and the inability to occupy the property can also create significant expenses.

Determining the full extent of a loss and the amount required to restore or rebuild a property can be complicated. Insurance claims following a fire or wildfire may therefore involve significant disagreements over the scope and value of the loss.

When Your Insurance Company Disputes Your Claim

Insurance companies have a responsibility to assess claims in accordance with the applicable insurance policy. However, disagreements can arise over coverage, the cause or extent of damage, the cost of repairs or rebuilding, or the value of personal property.

You may also encounter difficulties if your insurer is taking a long time to investigate or resolve your claim.

It can be particularly difficult to address these issues while you are dealing with the aftermath of a fire or wildfire. Obtaining legal advice can help you understand your insurance policy, the issues affecting your claim, and the options available to you.

Getting a Fair Resolution for Your Property Insurance Claim

A significant property loss can have serious financial and personal consequences. If you believe your insurer has denied coverage unfairly, offered an inadequate settlement, disputed the value of your losses, or delayed resolving your claim, you do not necessarily have to accept the insurer’s position.

At Davie & Associates, we specifically handle property insurance claims. Our focus is on helping property owners address disputes with their insurance companies and pursue a fair resolution of their claims.

Whether you are dealing with damage from a fire, wildfire, smoke contamination, or another insured property loss, our team can help you understand the legal issues surrounding your claim. If you have questions about a property insurance claim in British Columbia, contact our property insurance claims team today.