Discover If You Always Need Fire Claim Lawyer

You don’t always need a fire claim lawyer, but you should strongly consider one if your insurer delays, underpays, or denies your claim. A lawyer can handle the insurer, prove coverage and value, and protect deadlines while you focus on recovery. This article explains when to hire counsel, what they do, and warning signs your claim needs legal help.

Ray Hrdlicka – Host – Attorneys.Media

“Well, it sounds like, almost in every single case of a fire-loss issue, that they should hire an attorney. Because one, it’s an emotional moment at the time. You know, it’s going to be an emotional period of time for the homeowner. But because of the lack of knowledge of the situation, it almost sounds like it’s a ‘no-brainer’ that they should always hire an attorney.”

Spencer Freeman – Fire-Loss Attorney – Pierce County, WA

“Well, actually I’m going to say ‘no’. Actually, in every single case they should hire a public adjuster. A public adjuster is somebody who is licensed by the State of Washington to adjust insurance claims. But they do it on behalf of the homeowners. The insurance companies…they’ve got a whole team of adjusters on their side. Adjusters that understand the policy, understands how to interpret the policy, understand what the regulations require, and understand valuation of both construction or the repair, cleaning, or replacement of contents in a home. A public adjuster has that same set of knowledge and tool set, but they do it on behalf of the policy holder.

So, if my house burned down, I wouldn’t hire an attorney at first, I’d hire a public adjuster. They’re going to put the claim together for you, and then they’re going to approach and try to negotiate that claim with the insurance company. I would only go to the expense of hiring an attorney, if the negotiations between the public adjuster and the insurance company fail.”