Becoming a homeowner comes with a lot of excitement and sense of accomplishment, but it can also come with a multitude of concerns. Having a home means having to worry about the forces of nature, such as thunderstorms, snow, and hail, and the damage these elements can cause. One thing many people never expect, however, is the possibility of arson. When someone’s home is intentionally set on fire by another individual, it can cause extensive damage to the home, in some cases even destroying the home. Unfortunately, these attacks are often random and unpredictable. That is why it is important for homeowners to be able to rely on their homeowner’s insurance to help them deal with the devastation of a house fire should one happen.
Most homeowners’ insurance policies cover arson committed by someone other than the occupants of the home. If your home was harmed or destroyed because of an act of arson and your insurance company is denying you the payment you are due, the Dallas insurance attorneys of Smith Kendall, PLLC, may be able to help. To speak with an attorney today, contact us at 214-361-6124.
If someone else sets fire to your home and you were not aware of any intent to set fire to the home prior to the incident, you should be able to receive the full extent of compensation offered by your coverage. Some may ask whether or not the presence of debris on the property or flammable materials affects coverage, and the answer is no. While it is wise to keep these items away from public view, a homeowner should not be denied coverage due to an arsonist using their own property to start a fire.
However, most policies do limit the amount you may be compensated for when it comes to certain expensive items in your home, unless there is specific coverage for those items (such as jewelry, furs, etc.) One way homeowners can make sure that items in their home are accounted for is to keep photographic evidence of belongings in storage off site from the home and keep receipts for expensive items in a fire-proof container. This provides a claims adjuster with the necessary proof of lost or damaged items that may be covered.
Dealing with arson can be an extremely difficult time for a homeowner, and if your insurance company is refusing to cooperate with your claim, it can make matters worse. If your home was damaged because of an arsonist, a Dallas insurance lawyer of Smith Kendall, PLLC, may be able to help you obtain the payment you are likely due. To speak with an attorney today, contact us at 214-361-6124.