Fires are devastating and smoke can cause damage to electronics and interior ceilings and walls. An insurance carrier will often downplay the cost of repair and sometimes accuse homeowners of Arson. We have successfully litigated arson cases and fire damage cases.

A burglar or thief can financially destroy you. Often times your home or business gets damaged during a break in. The carrier will often put you through a lot of trouble with a contents inventory or request receipts that you do not have. It is important to take photos now of all personal property before the theft occurs and keep your receipts.

Toilets, sinks and appliances often times overflow and you will need to replace the underground rusted drain pipes. Trenching the floors is expensive and covered under most policies if water damage occurred.  Pipe bursts can flood the home and cause mold and severe water damage.