Legal Question in Insurance Law in California
Belonging's lost in fire
My two children and I was staying with "friends" for a short time untell we found a place of are own,we had all are belonging's stored in a shed at the side of there home, There was a electrical fire the started in the garage and took most of the roof of the home and burned the shed to the ground,leaving us with nothing to speek of.
They are covered for a good price, after being told by the insurance company to make a list of are lost itims and turn it in to them. witch I did, now there telling me,The "Friends" are saying we only lost a few cloth in the house, and the shed is not covered at all, the insurance man told me becouse my claim was so large and it dose come out/off of there claim is why the "friends" are denying my lost.
Who do I go after to pay us for are loss "The Friend" or the insurance company ? ? ?
2 Answers from Attorneys
Re: Belonging's lost in fire
First try and deal with the insurance company. There are exclusions in certain policies concerning unattached out buildings, like a shed, which may preclude coverage. However the insurance company claims agent should still provide you a written basis for the company's position. You may also have a claim against your friends if they could have prevented the fire with routine maintenance of the home and garage. You should probably contact either a lawyer or legal aid to get some help as this may be a bit complicated.
Re: Belonging's lost in fire
You should request a copy of the insurance policy from the insurance company so you can find out exactly what is covered and what isn't. If you filed a claim it should be considered seperate from your friends, in that the money paid should be their loss plus your loss, if your loss is covered. I would need additional information before I could recommend your next course of action. If you are interested in a free, no obligation consultation, you can contact my office. You can reach my office toll free at 877-546-9918, or by email at [email protected]. I look forward to speaking with you.
Sincerely,
John Hayes, Esq.
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