Fire and Lightning Damage Claims in Florida
Standard insurance policies cover lightning-related damages, especially when these incidents result in a fire. Our legal team will review the facts of your case and help you assess your damages. Let KS Law Group, PLLC walk you through the entire process of filing a fire-related or lightning-related damages claim in Florida. Call our office for an inspection of your property, and to discuss your questions about your insurance coverage.
Dealing with Fire Damage in Florida
Fire damage can result from a wide range of causes. The most common causes include cooking equipment, heating equipment, holiday decorations, electrical failure, overburdened electrical wires, and electrical and lighting equipment malfunctions. They could also result from fireworks, lightning, or unattended fireplaces or candles.
Regardless of the cause, a fire could destroy your property in the blink of an eye. No matter what size or the cause, a growing fire can create devastating damages to your property quickly and possibly on a large scale. For this reason, fire damage is one of the most dangerous and costly types of insurance claims.
Homeowner insurance policies typically provide fire damage coverage for the house structure, personal property, and additional living expenses if your house becomes uninhabitable and you have to move out — just temporarily or otherwise — because of the fire damage.
Even if you don’t own the property, or the property is a rental property, your renters’ insurance or other insurance policy might cover personal property loss or damages resulting from a fire.
As common as fire damage is, however, it’s not always easy to maneuver through a fire damages claim alone. It could be particularly difficult if you encounter any of these issues during the claims process:
- Delays in receiving any applicable insurance payments.
- Your claim is wrongfully denied.
- The insurance company states that you have policy exclusions limiting coverage.
- Disagreements arise over adjuster and contractor estimates.
- Possible insufficient insurance coverage.
- A settlement offer is made for an extremely low amount making it impossible to begin any repairs or replacements.
- Bad faith conduct by the insurance company.
KS Law Group, PLLC will help you ensure a smooth fire damage claims process. Our experienced attorneys and staff will walk you through your policy’s offered coverages, help you document the damages prior to repairs, assist you with providing replacement costs for damaged personal property, and we can also file the claim for you if the damages have yet to be reported to your insurance company.
KS Law Group, PLLC will provide legal support to you throughout the entire claims process, from start to finish, to get you the necessary recovery from your insurance policy as soon as possible. Speak with one of our insurance lawyers today.
Dealing with Lightning Damage in Florida
Florida is known for its unpredictable weather as hurricanes and thunderstorms are the norm. Sometimes these storms even strike on a warm sunny day when the sun is out. Florida is not only known for its hurricanes but the state is also known for its lightning strikes, earning the title as the Lightning Capital of the United States.
It’s no surprise, therefore, that lightning damage is typically covered by standard insurance policies. The most common types of lightning damages include:
- Structural damage to your roof, walls, or windows.
- Broken appliances and equipment caused by power surges.
- Burnt or faulty wiring due to the burst of electricity from the lightning bolt.
Lightning can not only start a fire but can also strike mature trees located around your property. Severed tree branches could fall onto your house or establishment and harm the building’s structural integrity. These branches could even puncture a hole through the roof, causing water intrusion into your property.
Allow KS Law Group to guide you through the lightning damages claims process if your property was struck by lightning or if your property obtained damages as the result of a lightning strike from a storm. Contact us today so we can ensure you are in a good position to file a successful claim with your insurance provider.
Why Choose KS Law Group, PLLC for Fire and Lightning Damage Claims
KS Law Group, PLLC is a Florida-based insurance law firm that specializes in first-party insurance matters.
If your home or business was destroyed during a fire, or if your property sustained lightning damage, you can count on our legal team to safely navigate you through the insurance claim process. Our lawyers will review the facts of your incident, analyze your damages, and discuss our findings with you firsthand.
In addition to our experienced attorneys and legal staff, we have a network of reputable fire and lighting remediation companies that can assist with emergency property damage repairs and replacements.
More importantly, KS Law Group, PLLC has strong ties with Florida-based appraisers, contractors, and engineers who are available to inspect your property upon request. They will accurately identify the sustained damages to your property, their primary causes, and the most suitable type of repairs or replacement needed to restore your property to its pre-loss condition.
Our legal team works together with this wide network of experts to push your case forward. KS Law Group, PLLC is here to assist you and walk you through the claims process from the beginning until the end.
Inform us about your fire or lightning damage concerns. You might qualify for a free property inspection in addition to a free in-person or telephone consultation with our office.
Schedule a Free Consultation
KS Law Group, PLLC is a contingency-based law firm that assists Florida insureds with recovering the insurance benefits they deserve from fire-related and lightning-related damage claims in Florida.
