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Does Home Insurance Cover Arson?

Losing your home to a fire, or seeing your home and belongings damaged in a fire, is a devastating experience. This ordeal can only be made worse to learn that the cause was an unsavory individual.

You may not have thought of this before now, but will your home insurance even cover a case of arson? Unfortunately, this isn’t the case, but there are things that you can do in the event that this happens to you.

At Your Insurance Attorney, we have experience helping victims with insurance for fire damages in Miami and Coconut Grove. We’d like to share with you more info about fire damage and what to do if it’s a result of arson. When you need a property damage lawyer Miami locals trust, we can be there to help.

What is Arson and How Can You Handle It?

When your home catches fire, and firefighters respond, they will investigate to find the cause of the fire. If it’s discovered that the cause of the fire was an individual intentionally setting fire to your home, this is called arson. Unfortunately, arson is not covered by homeowner’s insurance.

This is to deter homeowners from setting fire to their own homes in order to abuse their insurance companies, but it can in turn leave victims of malicious arson feeling abandoned. Fortunately, it is possible to seek reparation through the justice system.

The Court can order the offender to pay you for damages, but there is no actual guarantee that you’ll be compensated. For more information, you would reach out to your local police department regarding the arson case. They’ll be able to help you seek reparation through the Court justice system.

Handling Insurance for Fire Damage

Homeowner’s insurance will cover fire damages that are accidental and unintentional in nature. In these cases, your insurance company will need to compensate you for the damage to the structure, your belongings, and living expenses until your home is restored.

That said, if the fire department cannot find the cause of the fire, your insurance company may blame it on arson and refuse to compensate you even when there’s no suspect. In either case, you may want to consider relying on a property damage lawyer Miami residents trust to help ensure you get the compensation you deserve.

Insurance companies are ultimately looking out for themselves, but a professional property damage attorney will be looking out for you.

Property Damage Lawyer Miami

If you’ve recently become the victim of accidental fire damage, don’t let your insurance company try to bully you out of the compensation you deserve. Insurance for fire damage is meant to cover all expenses regarding what has been lost and for temporary living conditions.

If you believe you’re being bullied out of the compensation you deserve, contact us to receive help from a property damage lawyer that will look out for you in Miami and Coconut Grove. We at Your Insurance Attorney put our clients first and will fight to ensure that you’re taken care of.

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