Was Your Insurance Claim Denied, Underpaid, or Mishandled?
fire damage claims
A fire can devastate your home or business in minutes, leaving behind extensive damage, lost valuables, and a long road to recovery. Beyond the emotional and financial toll, many policyholders face unexpected challenges when filing fire damage insurance claims. Insurance companies may delay, underpay, or even deny legitimate claims, leaving homeowners and business owners struggling to rebuild.
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Common Fire Insurance Claim Issues
Disputes over the cause of the fire – Insurers may claim the fire was due to negligence or an uncovered peril.
Low settlement offers – Insurance companies often undervalue property damage, forcing policyholders to cover rebuilding costs.
Smoke damage disputes – Smoke and soot can cause severe damage, but insurers may downplay or deny compensation for these losses.
Delays in claim processing – Long wait times for inspections and payments can make recovery even more difficult.
Why You Need a Hail Damage Insurance Attorney
Insurance companies often use tactics to minimize claim payouts, leaving policyholders struggling to cover repair costs. At Danahy & Dunnavant, P.A., we provide the legal expertise and aggressive representation needed to ensure that your claim is handled fairly. Our legal team has successfully recovered millions in insurance payouts for homeowners and business owners across Florida. Let us put our experience to work for you.
COMMON ISSUES WE HANDLE
Filing a Fire Damage
Insurance Claim
Document the Damage
Create a detailed inventory of damaged or destroyed items, including descriptions, values, and purchase dates if possible.
Contact Your Insurance
Contact your insurance company as soon as possible to report the fire and your intention to file a claim.
Cooperate with the Adjuster
Submit all requested documentation to the adjuster, including your completed claim form, inventory of damaged items, photos, videos, and any other supporting evidence.
Review and Settle the Claim
Review settlement. Once you agree on a settlement, sign the necessary paperwork and receive your payment.
serving the state of florida since 1924
With over 40 years of dedicated practice, our firm has established itself as a leader in insurance ligitation. Ask us about some of the accolades and achievements that highlight our expertise.
“I have never seen someone work so hard for their clients.”
Courtney Bumgarner
Paralegal, Danahy and Dunnavant
Your Questions About Fire Damage Claims
What should I do immediately after a fire to start my insurance claim?
After a fire, prioritize safety and contact emergency services. Once it's safe, document the damage by taking photos and videos. Notify your insurance company as soon as possible and request a copy of your policy. Keep records of all expenses related to temporary housing, repairs, and lost items.
Why do insurance companies deny fire damage claims?
Insurers may deny fire damage claims by arguing that the fire resulted from negligence, arson, or an uncovered cause. They may also claim that damages are exaggerated or pre-existing. If your claim is denied unfairly, our legal team can help you fight for the compensation you deserve.
How long does the fire damage insurance claim process take?
The timeline for a fire damage claim depends on the extent of the damage, the insurer’s investigation, and whether any disputes arise. While some claims are resolved within weeks, complex cases involving extensive damage or claim denials may take months.
Will my insurance cover smoke and water damage from the fire?
Most fire insurance policies cover not only fire damage but also related smoke and water damage caused by firefighting efforts. However, insurers may attempt to minimize payouts. If your settlement offer is too low, our attorneys can help ensure you receive full compensation.
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Tampa, FL 33606
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