Whether you are insured, under-insured or even uninsured, you have options. You are not devoid of legal rights, and we are here to help guide you. If you lost your home to a wildfire, we extend our most heart-felt condolences to you and your family at this time. If there is anything we can do to help, even if it's letting you know what's going on in the community, what lawsuits have been filed, or what your options are - whether you want legal representation or not - we offer our assistance and anything we can do for you through a free, no-cost and no-obligation consultation.
If you are insured, you will need to file an Insurance Claim. An experienced wildfire attorney can help you file an insurance claim so it doesn't get denied or delayed and so you don't unknowingly make any mistakes in the paperwork. You likely lost all the information pertaining to your home in the fire, and attorneys have a way in negotiating with insurance companies to ensure they don't take advantage of you. Your insurance company does not have your best interest in mind. Low-ball offers, if at all, is what you will likely receive.
An attorney will negotiate and maximize your settlement so you can rebuild your property. An attorney can also help secure replacement funds for lost personal property; along with compensation for injuries, such as burn, smoke or ash, and ensure you are reimbursed for any out-of-pocket medical expenses.
If your insurance company refuses to pay the cost of rebuilding, you may need to take them to court to enforce the rebuilding of your home. Insurance companies have lawyers that represent them, so you should be represented in the event you need to pursue legal actions.
At the very minimum, you need to find out what may or may not happen throughout the process, so you will know whether you'll need to secure legal representation now, or in the future... and how much time you have. Most states only allow you to file within 12 months, but you'll need to ask a lawyer.
If your insurance company refuses to pay the cost to rebuild, or if you are under-insured or without any insurance, you still have options!
An attorney will help by explaining your options. If you don't have the money to repair/rebuild your home yourself, and you still have a mortgage, you need to know your legal options.
Whether you decide to secure legal representation now, or in case you might need to in the future, you need to know your rights so you can consider them.
There is what is referred to as a "statute of limitations," which means you only have "so much" time to act if you are going to file a lawsuit or join a class action. Most states it's 12 months, but you need to check with an attorney to know what your options are and how long you have to decide.
At the very least, you will be more aware of your options, what suits have already been filed by others in your community, and what class actions you may want to consider joining if you talk with an attorney. You can walk away knowing more than you know right now, which might have an impact on your decision.
Even if "right now" you are not interested in filing a lawsuit or joining a class action, you may change your mind after understanding what other people are doing and what your options are.
At least you will know where you stand so you can mull it over and think it through. You will also be advised how much time you have to consider your options, as filing or joining a lawsuit has a limit called "statute of limitations" that only gives you 12 months (on average) to act, so you need to ask an attorney how much time you have-so you don't run out of time in making your decision.
No matter your circumstances, it is highly recommended to meet with an experienced fire damage and injury attorney to know your legal rights and the options you have to choose from. We are here to provide no-cost consultations so we can provide you with free legal advice without obligation. We just want you to be informed so you can make the right decision for you... and it would be a privilege to help you and your family restore and rebuild your lives again.
Realizing how difficult this must be for you, we extend our most heart-felt condolences to you and your family at this time.
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