October is Fire Prevention Month, along with being Halloween time. With all of the decorations and potential fire hazards, it’s actually the perfect month to be reminded of fire safety and potential Halloween hazards.
If you do end up with fire damage to your home, it’s important to know how to handle your insurance claim. Even if you don’t, this is a good time to check your policy and make sure you have the proper coverage.
Below are some tips for Halloween fire hazard preparation, homeowners insurance (in relation to fire damage), and what you can do if your insurance provider decides to deny your claim in bad faith.
Halloween Fire Hazards to Be Aware Of
With all of the fun decorations during Halloween come some potential fire safety hazards that you’ll need to watch for. In order to ensure the safety of your property over Halloween, take these tips into consideration:
- Make sure any cords used outdoors are meant to be used outside
- Don’t overload extension cords
- Check for frayed wires
- Turn off electronic Halloween decorations before going to bed or leaving the house. Maybe consider a timer
Does Homeowners Insurance Cover Fire Damage?
Generally, homeowners insurance covers fire damage. While this is often the case, you should still check your policy to better understand the extent of your coverage. If your home has undergone any changes, now is the time to update your policy and ensure your ongoing coverage.
Should a fire occur, you’ll want to gather evidence before filing your claim. This may include photos, videos, and a list of damages your property has sustained.
If you need assistance in filing your claim, reach out to Colucci Law Group. Our expert team of property insurance law professionals will help you to file your claim properly, and we’ll fight to make sure you get the full payout that you are owed.
What Should I Do in the Event of a Bad-Faith Claim Denial?
If your property is damaged due to a fire and you have filed your claim properly (and on time), your insurance provider should pay you what you are owed. If they decide to deny your claim in bad faith, reach out to Colucci Law Group for support.
Colucci Law Group consists of legal experts who provide clients with support to fight bad faith claim denials. We will provide you with an outstanding property insurance lawyer to represent you in a suit against your insurance provider. We are also able to file your claim for you and defend your rights, so you get the settlement that you deserve.
For more information about our property insurance legal services, reach out today. We’d be happy to help you to file your claim or represent you in a lawsuit against your insurance provider.
If you suspect that you are the victim of a bad-faith insurance claim denial, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Dunedin office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.