Chapel Hill Fire Damage Lawyer

You have no control over the fact that a fire damaged your business property and caused people to get hurt. Alternatively, you can file an insurance claim and request compensation to help you financially recover. Before you do, partner with a Chapel Hill fire damage lawyer to discuss your legal options. 

The Whitley Law Firm has more than eight decades of combined legal experience on staff. Let our Chapel Hill commercial property damage lawyer review your case and help you figure out what to do from here. Contact us today to get started.

How an Insurance Company Will Treat Your Chapel Hill Fire Damage Claim

You have an insurance policy that financially protects your business against fire damage. The policy includes details about the full extent of your coverage. Regardless, your insurer is likely to do whatever it takes to avoid covering your losses. 

For example, your insurance company could argue that your policy only covers property damage directly related to the fire. If people get hurt due to falling objects or other hazards that came up during your emergency, your insurer may claim it is not responsible for them. Thus, you may have to work hard to prove you deserve the compensation you are requesting. 

Instead of letting an insurer get away with disputing your claim, request help from a Chapel Hill personal injury lawyer. The Whitley Law Firm offers instant access to a fire damage lawyer in Chapel Hill who proudly serves our community. Get in touch with us today. 

Types of Business Insurance

Business insurance comes in many forms, and you may have supplemental coverage for fires. Your insurer will carefully evaluate your coverage as part of its efforts to dispute your claim. Common types of insurance coverage for businesses include:

• Property: Even if you have this coverage and your property is damaged in a fire, your insurer may still try to force you to pay for fire repairs out of your own pocket. 
• Fire Damage: By purchasing this coverage, you are financially protected if a fire damages your property or others nearby. 
• Disaster: If your fire is the result of a natural disaster, this coverage entitles you to money you can use to recover from the incident. 

There are times when your insurance policy will not cover the costs of treating brain injuries and other injuries that happened during your fire. At these times, consult with a Chapel Hill catastrophic injury lawyer. With help from your attorney, you can file an insurance claim that helps you get enough compensation to cover your injury expenses and other fire losses. 

Chapel Hill Fire Damage Lawyer Near Me (800) 785-5000

Insurance Policy Limitations and Exclusions

Your Chapel Hill fire damage attorney takes an in-depth look at your insurance policy. They will search for limitations and exclusions that could hurt your chances of getting compensation. Examples of these include:

• The damage was deliberate. Your insurer could claim you or one of your employees caused the fire. 
• There was pre-existing damage. If your insurance company believes you are requesting compensation based on damage that was already in place before the fire, it could deny your claim. 
• The damage was incidental. When a falling object or water damages your property or results in injuries, your insurer may say these losses were incidental and choose not to cover them. 

Your lawyer will provide you with a guide to filing insurance claims. They will explain what an insurance claim entails, making sure you submit one promptly after your fire. Along with this, your lawyer will gather proof to support your claim. 

When to Submit a Claim

With a personal injury, there is a three-year statute of limitations for filing a claim, according to North Carolina General Statutes (G.S.) § 1-52. If people get injured in your fire and you are dealing with property damage, do not wait to request compensation. Otherwise, if you wait too long, you could give up your right to get money. 

To file your claim, contact your insurance provider. At this time, your insurer will collect information and explain the next steps in the claims process. The company will assign an adjuster, and this individual will investigate your claim.

It helps to have photos, videos, and other proof related to your fire. If you have an abundance of evidence, it will be difficult for your insurer to contest your claim. Your proof could also speed up the claims process, since your insurance provider may have no other choice but to give you the compensation you want. 

Get Help From a Chapel Hill Fire Damage Lawyer

Fire damage is expensive, and it will have a big impact on your company’s bottom line now and in the future. If a fire damages your property and leads to injuries, you may not be responsible for the costs of dealing with these issues. Work with a personal injury lawyer in Chapel Hill to pursue the maximum amount of compensation as part of an insurance claim. 

At the Whitley Law Firm, personal injury litigation is what we do best. We will give your fire damage insurance claim our undivided attention and put you in a great position to secure compensation as quickly as possible. Contact us today to schedule a free case evaluation.