Close Menu
Biloxi & Gulfport Personal Injury Attorney
"No Recovery
No Fee"
Free Initial Consultation 228-374-9787

Top 5 Tips for Filing an Insurance Claim After a Biloxi Fire

BldgFire

Though only a trailer currently stands at the -Cedar Lake location of a Biloxi, MS fire station, construction will soon start on a new $3 million facility on the adjacent lot, according to a June 2017 report from ABC affiliate WLOX. Area residents are pleased about the development, as fire and medical emergency call response times are expected to improve considerably. In addition, locals are thrilled about a potential drop in home insurance rates due to the increased coverage: Insurers use information like increased fire protection to justify lower deductibles and premiums. Still, even as new fire stations are built to safeguard the community, accidents still happen and homeowners must file a fire insurance claim to recoup their losses. If you’ve recently experienced a fire, here are a few tips on what to do after you’ve safely secured your property.

  1. Prepare the Required Forms: You need to get the ball rolling right away on your claim, so call your agent or go online to start the process. Most insurers will require you to submit a proof of loss form, where you itemize all of your personal belongings that were damaged or destroyed.
  2. Request an Advance: Often, it’s possible to get an advance against the total amount your insurance company will be issuing when the claims process is complete. These funds can be used to replace the necessities you lost in the fire right away, rather than waiting for issuance of the full claim amount.
  3. Track Your Expenditures: You’re entitled to reimbursement of your living expenses while displaced from your home, if applicable. You can recover the difference between the amount you actually spend and the amount you would have spent if the fire never occurred. Track such costs as a hotel, meals out at restaurants, transportation, and other expenses.
  4. Stop on Top of Your Claim: An insurance company may drag their feet on processing your claim, which may amount to bad faith conduct contrary to Mississippi law. Stay in contact with the insurer’s representative, asking for updates and when you can expect a check.
  5. Respond to Insurance Disputes: If your insurance company denies your claim or only allows partial payment, you do have rights. Get the specific reasons behind the denial in writing so you can formulate an appropriate response, and hire a lawyer to assist you in dealing with the insurer.

Biloxi Attorneys Fighting for Homeowners Rights in an Insurance Disputes 

You pay your premiums on time and comply with all requirements when filing a claim under your homeowners’ insurance policy, so it can be frustrating when the insurer denies coverage – or only covers a portion of your losses. It’s understandable that insurance companies are keeping an eye on their bottom line, but any bad faith conduct in insurance disputes is unlawful. The attorneys at the Law Offices of Judy Guice in Biloxi, MS have extensive experience representing policyholders in insurance disputes, and they can help you obtain the payout you deserve for your claim. Please contact our law offices today to schedule a free initial consultation.

Resource:

wlox.com/story/35656804/fire-protection-will-soon-increase-in-biloxi

750 Martin Luther King Jr. Blvd
Biloxi, Mississippi 39530
Directions
228.374.9787

Free Background Information Available upon request.
Attorney Advertising. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
Sitemap

MileMark Media - Practice Growth Solutions

© 2016 - 2017 The Law Offices of Judy Guice. All rights reserved.
This law firm website is managed by MileMark Media.

Contact Form Tab