As the Hermits Peak/Calf Canyon Fire makes its way through Northern New Mexico, it leaves a trail of devastating property damage in its wake. In fact, at the time of this writing, reports indicate that at least 172 homes have been lost. While you are likely in shock as the victim of this fire, it is important that you file a homeowners insurance claim as soon as possible. The sooner you file your claim, the sooner the insurance company may provide the compensation you deserve.
What Losses Can You Recover Through a Homeowners Claim?
Most homeowners insurance policies cover fire-related damage, and the odds are that your policy provides such coverage as well. A comprehensive homeowners policy generally covers:
Damage to the home itself: Whether the Hermits Peak/Calf Canyon Fire only damages part of your home or it causes the complete loss of your house, you may receive full coverage for damage to your home and property. This generally includes full or partial coverage for landscaping, too.
Damage to personal property: Items within your home and on your property, like appliances, electronics, furniture, jewelry, and other items of value, may be covered by your homeowners’ policy.
Detached structures on your property: If you have a travel trailer you store on your property, a detached shed, a portable building, or other structures on your property, they may fall within your fire damage coverage.
If you have questions about specific items that you’ve lost in the Hermits Peak/Calf Canyon Fire, our team is ready to answer your questions.
How Can an Attorney Help With a Fire-Related Claim in New Mexico?
An attorney can handle every step of the homeowners’ claims process. You may be under immense stress at this time, and an attorney can protect you from the additional stress of an insurance claim.
A lawyer can:
Review your homeowners’ insurance policy
Assess the damages you’ve suffered because of the Hermits Peak/Calf Canyon Fire
Identify all losses that should be covered through your insurance policy
File your claim
Facilitate any necessary visit from an insurance adjuster
Negotiate an insurance settlement
Overcome any challenges that arise during the claims process
Insurance companies may be facing massive payouts related to this fire. Companies may try to reduce their financial liability by denying claims, undervaluing damages, and avoiding payouts through other bad-faith tactics.
An experienced attorney will stand firm in the face of insurance companies' shady actions. While your attorney fights for the coverage you deserve, you can focus on your loved ones and on putting your life back together.
Call Salam & Associates Today for Help with Your Homeowners Claim
The homeowners' claim process can be complex, and our firm has experience dealing with insurance companies of all sizes. We will ensure that the insurance company gives your claim the attention you deserve, and we'll negotiate for the recovery you're entitled to.
Call Salam & Associates today at 866-640-8998 for a FREE consultation. You may also contact us online at www.salampc.com or [email protected].