Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 25, 2013

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Insurance Question from Butlerville, OH

Asked on 03/25/2013

i had a dryer fire and ins. did not pay. i fixed myself. Noew 6 mo. later new ins. disclosed fire ) There was a major accidental fire.Ruled by them My first ins I had 22 yrs. It was definately the motor of dryer alot ot contents but no real s Ttructural damages. It was cheaper to paint clean than to sue.If I had money for both I would have sued. still have 6 wks. The Damage that was in the ceiling is where the fire dept. tore through the ceiling. A fire now in my attic and caused 80,000.00 damages. Everything was moving along I did disclose the prior fire .They took all salvagables to be cleaned. Now they contacted me and want me to deal with thier lawyers .Do i need lawyeror should i cont. to work with them,they det. faulty fireplace

Answer given on March 28, 2013

It’s not clear as the fire department involvement-is it the first fire or the 2nd. Also the time frame between the two fires is unclear.If the first fire had anything to do with the 2nd fire, you could have problems with the insurance company as to what damage occurred when. If the first fire caused the 2nd fire, there again could be issues with the insurance company.It is unusal for an insurance company to say to speak with their legal department. The adjuster should communicate if they are covering the claim or not and then explain why or why not. If this has not occurred you should ask to speak to a supervisor so they can explain what they are intending to do. Since fire damage is covered by the homeowner policy there should be no issue of whether there is coverage or not unless they are determining that the first fire is the actual cause of the second. Get clarification before making any further decisions.


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