We have all heard stories of families returning to their homes after brush fires and finding their homes still standing, while most of their neighbors' homes have burned. While the family whose house is still standing may consider themselves the lucky ones, in many ways they are the least lucky. Smoke damage can destroy a home or significantly reduce its value. Initial offers or estimates of damage by the homeowners insurance company or adjuster can fall far short of repairing the damage done to the home.

RA Law Group, APC represent homeowners in all types of property damage and fire claims. Our firm provides a free initial consultation to discuss your claim for fire and smoke or other types of property damage.

While an insurance company might offer to wash down your walls and deodorize your home after a fire, the real damage will usually be far more extensive. Smoke is highly acidic and toxic and can damage every part of your home from the wall studs to the wiring. It is usually much easier to tear down the home and rebuild it rather than to do a proper repair. However, insurance companies usually provide lowball estimates and half-way repairs rather than offer to rebuild your home.

If you have sustained significant fire or smoke damage to your home, don't sit back and accept an insurance adjuster's assessment of the damage and the cost of repairs. Take the time to seek an independent assessment. Our lawyers will guide you through the process of getting full replacement coverage for fire and smoke damage to your home.

The line of least resistance in an insurance claim is to sit back and wait for an adjuster to assess your damages. However, the adjustor works for the insurance company, not for you. After accepting an adjustors' offer of $50,000 for a home damage claim, you may find out that actual repairs cost you more than $200,000. Before you accept an insurance company's estimate, you should get an independent assessment of the damages and the costs of making full and proper repairs.
In most cases, we can arrange for and supervise the group of experts needed for your particular claim. Our attorneys work closely with experts from a variety of fields, including:

• Engineers
• Architects
• Contractors
• Personal property appraisers
• Public Insurance Adjustors
• Geologists

Obtaining an independent estimate from an expert can show a vastly different scope and amount of repair than an insurance adjustor's estimate. While the independent experts are assessing the damage, you can feel confident knowing that you have experienced attorneys on your side. Contact our attorneys today.