Experienced. Reliable. Capable. We Look Out for You.

  • No Hidden Fees Involved
  • No Obligation to Continue Beyond the Case Review
  • Get All Your Legal Questions Answered
click here for a free consultation

Notable Case Results

  • $ $97,284,817

    Class Action
    Mortgage Broker Rest Break
  • $ 8,820,000

    Brain Injury
  • $ 8,250,000

    Wrongful Death/Personal Injury
  • $ 23,500,000

    Bank of America
    Mortgage Broker Wage Class Action



$ 8,820,000

Brain Injury Settlement

$ 8,250,000

Wrongful Death/Personal Injury

$ 23,500,000

Bank of America Mortgage Broker Wage Class Action

Touch below for a free injury consultation.

click here for a

free consultation

no fees until you get paid

What to Do if Fire Damage Claim is Denied

Fires cause severe property and financial losses to businesses, which is why you need fire insurance. However, fire damage claims can get complicated and frustrating. Insurance companies can lower your compensation or reject your claim completely, leaving you with out-of-pocket expenses.

There are various reasons insurance companies deny your claim. Below are some of the most common:

  • Questionable claims or false statements
  • Insufficient documentation of the damage
  • Insufficient evidence
  • Missed premium payments
  • Exclusion clauses in your policy

Regardless of the reason, you have the right to re-appeal and demand a second look into your claim. An experienced property damage insurance attorney can help you build a stronger case and assist you through the appeal process.

Here’s a 3-step guide to filing an appeal for a denied fire damage claim.

  1. Review the denial letter

Your insurance provider will send a letter explaining why they rejected your claim. Compare the reasons they listed with the inclusions of your policy. This can be difficult due to the jargon used in the contract, which is why you need the help of an insurance lawyer.

Check if your policy coverage is enough to cover the loss. If it isn’t, there’s no reason for you to file an appeal.

If you confirm that the insurer’s dismissal of your claim is unreasonable, contact your agent or an insurance adjuster to raise your concern. Document every conversation you have with your insurance company, including the date, time, name of the person you spoke with, and what was agreed upon. 

  1. Strengthen your case

The burden proof is on you, so you have to have a strong, solid case to prove your loss from the fire. You can hire a public adjuster to help you explain the loss in detail and identify the clause in your policy clearly stating that the damage should be covered. Include the following details to strengthen your case:

  • Documentation and proof of the damage (e.g., photos)
  • Detailed evidence of the loss (e.g., financial statements)
  • Efforts to have your case reviewed (e.g., communication log with the insurer)
  • Rebuttal to the insurance company’s denial (e.g., policy information showing the loss should be covered)

If your claim remains unnoticed, climb the command ladder. Try to arrange a meeting or conversation with the insurer’s supervisor, manager, all the way to the director. The process may be laborious and time-consuming, but it will be worth it when you finally receive the compensation, especially if the fire damage was large-scale. 

  1. File a complaint

Your last resort is filing a complaint against the insurance company. This will automatically trigger a review of your denied claim. The insurance commissioner will handle your case and will evaluate your complaint and actions taken to get a second look into your claim.

If you do file a complaint, your insurance company might demand you to attend an Examination Under Oath. This legal process requires the legal counsel and representation of an insurance lawyer.

Aggressive Insurance Attorney in Los Angeles

Haffner Lawyers has a team of experienced insurance attorneys who will assist you throughout the process of your appeal. We take an aggressive approach in all our cases, making sure you have a strong case to support your claim. Our lawyers work to make sure you receive the compensation you deserve, enough to help your business recover from the fire.

For a consultation with a property damage insurance lawyer in Los Angeles, give us a call at 213-514-5681.

(This is an attorney advertisement by Joshua Haffner)

Click below to share this article:

nav close icon




$ 97,284,817

Class Action / Rest Break


Bad Faith

$ 8,820,000

Brain Injury


Medical Malpractice


Wrongful Death / Accident


Construction Defect
view all

INJURED ? CALL 213-514-5681



  • The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Sending time sensitive material to the firm via this message, will not be the responsibility of the firm. Proceed if you've read this disclaimer.
1 Step 1
Type your name here & click nextyour full name
Phoneyour full name
Commentsmore details
0 /
Some Title
Nameyour full name
Some Title
Commentsmore details
0 /
Some Title
powered by FormCraft
All Fields Required