is a investigation of cause and origin after a fire by my landlords ins. company accurate 15 days after the fire and they already deconstructed house

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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: Sep 23, 2012

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Insurance Question from Danforth, MN

Asked on 09/23/2012

is a investigation of cause and origin after a fire by my landlords ins. company accurate 15 days after the fire and they already deconstructed house we had a house fire on may 11 2012 i filed my claim on may 14th they were closed the fire chiefs cause and origin was determined to be an electrical fire due to a faulty light fixture (landlord was aware) 15 days later his insurance company did their own cause and origin investigation the morning after the fire the landlord has a restoration company in the house and they took down the celling walls and celling trusses in the affected areas. now my insurance co. is denying my claim based on the landlords's investigation 15 days after they compromised the fire effected areas

Answer given on September 26, 2012

In a fire investigation when there are two insurance companies involved, there can be issues that arise during that investigation.You need to contact your adjuster to try to determine why they are denying the claim. It is doubtful that they are denying simply because the landlord’s insurance company has done a later investigation. Especially since the fire chief had originally determined that the cause was electrical.The damage to your personal property should be covered since the cause of loss was actually due to a fire, which is a covered loss under your insurance policy. If your insurance company feels there was negligence by the landlord they can subrogate against him and his insurance company, but it should not deny your claim, since it was not your negligence. If your adjuster does not explain the standing of the company, you should ask to speak to a supervisor to get a better understanding as to why they are denying the claim.

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