Fire Insurance Claim Attorney in Chicago
Fighting For Fire Victims Against Insurance Companies
At the Kenny Law Firm, we understand that nothing can be more terrifying
than losing your home,
business, and personal property to a fire, especially when a valid insurance claim
is denied by your insurance company.
You paid costly insurance premiums so that your homeowners or property
insurance company would be there for you and your family in times like
these. You expected after paying premiums that, claims for compensation
and benefits would be available to you. You depended on this. But unfortunately,
insurance companies sometimes fail to honor the obligations they have
agreed to provide in their insurance contracts. The reality is that many
people fully insured under their homeowners' policies struggle to get
the money and benefits they are entitled to recover after filing a claim.
Our law firm has over 20 years of experience dealing with insurance companies and understands
the tactics they employ to avoid payment. Our Chicago fire insurance claim
lawyers are committed to helping people like you recover the money and
benefits that you are entitled to recover in an
You may have legal recourse even though money or benefits have been denied
by your insurance company and they have closed their file.
Has your valid insurance claim been denied by your insurance company? Call
Kenny Law Firm today at (312) 647-2483
or contact us online
to schedule a free consultation with our Chicago fire insurance claim attorney.
What To Do After a Fire in Illinois
If you are on-site when a fire breaks out, the most important thing to
do is to get to safety. Call your local fire department to extinguish
the blaze and make sure everyone is physically safe.
If you are unable to return to your home following a fire, you may be able
to request an advance on your insurance policy. In many situations, you
will be able to get a prompt check that can help pay for essentials and
temporary housing while you plan your next steps and prepare to complete
Once everyone is safe and relatively settled, take the time as soon as
possible to create a detailed list of everything you lost in the fire. This should include every piece of property that was damaged or lost
in the damaged structure, as well as the approximate value and location
of each asset. This will help form the foundation for your claim and help
your Public Adjuster inventory the damage to the building and your contents.
When Should I Make a Fire Home Insurance Claim?
Homeowners’ insurance policies typically require that policyholders
file fire claims as soon as reasonably possible. You may have already started the process of asking for an advance, but
if not, be prompt in contacting your insurance company to let them know
What Happens After You File a Claim?
Let’s assume you timely file your claim.
Your insurance company, even though the claim has not been denied, will
likely launch an investigation into the cause of the fire, the extent
of the damage, and the value of the claim. These investigations typically involve sworn statements and sometimes
even examinations under oath of the policyholder. Without a legal professional
with experience handling these types of claims advocating for your interests,
and managing the flow of information, your insurance company may overreach
and twist your statements into a pretext that will, later on, be used
to deny you the money and benefits you are entitled to receive from your
Insurance Companies Refusing To Pay
Sometimes the refusal to pay does not occur until after all repairs have
been completed on your home. The only thing left to do, at this point,
is to have your insurance company make the final payment. This payment
is frequently referred to as the “depreciation holdback.”
The excuse frequently given by the insurance company for not paying this
amount is that the repairs were not timely completed. Your contractor,
if not paid in full, will likely record a mechanics lien and cloud the
legal title of your home or building, affecting your ability to sell or
even refinance the property unless or until the mechanics' lien is paid
and released. Essentially the insurance company gets away without paying
what it had agreed to pay for the loss under the terms and conditions
of your insurance policy, leaving you with a large lien on the title of
your home. Our Chicago fire insurance claim attorney has experience recovering
from insurance companies under these circumstances.
Are You Being Blamed For The Loss of Your Home?
Sometimes insurance companies have been known to even blame the homeowner
for the loss of the home and may even hire special investigators to find
reasons to justify the blame. Kenny Law Firm has access to resources which
allow us to perform separate assessments, which can be used in negotiations
and settlements with the insurance company, should a dispute like this arise.
Contact Our Fire Insurance Claim Lawyer Today
If you believe your insurance company has wrongfully delayed, denied, or
undervalued your claim, our firm may be able to help you take the next
step. We know how fire claims are processed in the state of Illinois and
can assist you in disputes with your insurance company. Reach out to our
fire insurance claim lawyer in Chicago today.
Contact Kenny Law Firm today to discuss your options with our fire insurance claim attorney in Chicago.