An insurance company denied a fire claim in Columbia South Carolina after the claimant’s estranged family member set fire to it. The claimant was offered $0 for the damages and soon thereafter contacted our Tampa public adjuster firm for help with her fire claim.
The homeowner’s soon-to-be ex-husband admittedly started the fire which caused approximately $200,000 in fire and smoke damage to the home and contents. The claim was considered a total loss. The suspect was arrested and jailed but the problems with the insurance claim quickly set in. The insurance company was able to deny the claim based upon a technicality in the policy language pertaining to resident relatives. Although the soon-to-be ex-husband did not live at the home full time, he did on occasion and the home was filled with many of his personal items.
Our team of public adjusters from Tampa got to work in Columbia recreating estimates to ensure the fire damage valuations were correct. Verifying the chain of events during the claim process was also an intensive yet integral part of the claim strategy and increased the probability for success. Our claim specialists and fire damage adjusters felt strongly that the denial was unjust. After two years, with the help of our consultants and a property attorney we’ve worked with in the past, the fire claim was settled and paid in full.
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