House with smoke coming out of windows


Arnett & Arnett Dec. 27, 2021

Fire incidents often result in significant damages or losses to individuals, families, homeowners, and businesses. The fire, smoke, corrosive substances, and burning residue from the fire can cause minor to severe injuries to victims and destroy your property and valuables. Your property or business may also suffer water damages from an effort to extinguish the inferno. Subsequently, your property and valuables may suffer additional damages due to continued exposure to the elements.

If you have been injured or suffered property damages from a fire incident, it is crucial that you consult with an experienced Arizona insurance claims attorney to understand what you can claim after the damages. At Arnett & Arnett, PC, we are committed to offering comprehensive legal guidance and reliable advocacy to clients in their insurance claims. As your legal counsel, we will investigate the surrounding facts of your unique situation, enlighten you about what can be recovered, and determine how best to proceed with your insurance claims.

Arnett & Arnett, PC proudly serves fire damage victims across Chandler, Tucson, Flagstaff, Phoenix, and surrounding areas throughout Arizona.

Arizona Standard Fire Policy

According to Arizona statute, “no policy of fire insurance covering property located in this state shall be made, issued or delivered unless it conforms as to all provisions and the sequence thereof with the basic policy” designated as the Arizona standard fire policy. Additionally, the Arizona standard fire policy may exclude coverage for loss by fire or other perils insured against if the loss is caused directly or indirectly by terrorism and involves certain risks.

Identify Everything That Was Damaged

In order to recover fair compensation for your losses following a fire incident, it is important that you identify and document every item that was damaged. Here are some crucial steps to take:

  • Secure the safety of your loved ones or employees.

  • Call the fire department to report the incident.

  • Secure your property against further damages.

  • Identify safety measures before going back into the building.

  • Make a detailed checklist of all damaged items.

  • Search for important items and documents.

  • Document your losses (everything that was damaged or destroyed).

  • Notify the insurance provider.

  • Get multiple repair estimates.

  • Hire an attorney to help file insurance claims.

An experienced attorney can help file your insurance claims and negotiate a fair settlement with the insurance company.

File a Claim

Filing a fire damage claim is the next step to recover damages after a fire incident. Before you proceed, it is important that you understand the intricacies of the fire insurance claims process. Follow the steps below to file your fire damage insurance claim:

  • Hire an attorney to guide you through the claims process.

  • Read and understand what was covered in your insurance policy.

  • Gather relevant information and necessary documentation for your claims to be approved.

  • Ask your insurance provider for immediate or temporary assistance if your house isn’t livable.

  • Document the entire claims process from start to finish.

  • Continue paying your insurance premiums.

  • Get an expert opinion on the magnitude of the damage.

The insurance carrier may present you with a settlement offer based on your damage evaluation. Do not rush into accepting such an offer without consulting with an attorney. A skilled attorney can help review the insurer’s settlement offer, identify hidden damages that may cause potential issues, and help seek the maximum possible compensation from your insurance claim.

How Legal Counsel Can Help

Getting injured or losing your property and valuables to fire damage can be difficult and unsettling. Such an unfortunate incident can have a significant impact on your physical, mental, and financial health. Under such a tremendous amount of confusion and pressure, you still need to take preemptive actions to minimize the damage and recover your losses. A skilled insurance claims attorney can fight to protect your legal rights and help recover the fair financial compensation you deserve.

At Arnett & Arnett, PC, we have the skills, diligence, and resources to help you recover damages after suffering an injury, property damage, or loss from a fire incident. As your legal counsel, we will evaluate your unique situation and enlighten you about the possible damages that you may recover. Using our extensive legal understanding, our team will handle your case professionally and diligently while mitigating the impact of the fire damage on your life. We will dedicate every available resource to pursue your fire damage claim and help recover the financial justice that you deserve.

If you have suffered an injury or property damages from a fire incident, contact Arnett & Arnett, PC today to schedule a simple case assessment. We’re proud to serve clients across Chandler, Tucson, Flagstaff, Phoenix, and surrounding areas throughout Arizona.