My insurance has not started my rebuild of my garage which caught on fire please help me

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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: May 21, 2014

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Insurance Question from Chino, CA

Asked on 05/21/2014

My insurance has not started my rebuild of my garage which caught on fire please help me It has been 2 1/2 weeks since the fire the garage and all contents are gone. They got it out before it went into the house but they said we can not live there because it burned all the wires and they turned off the gas. They told us the day of te fire that it might be a makita charger and now every time we ask they just say there waiting for makita in the mean time we can not go in the garage o do inventory or see if any toos are useable my husband needs them for work. Please help me I have five kids and can't give them a answer. Thank you, Shannon [email protected]

Answer given on June 24, 2014

Even though the cause of the fire is still unknown, the insurance company should be working with you regarding the damaged property that was in the garage. You should talk to the adjuster about a partial payment for the damaged tools pending the final results of the cause of the fire. They should be willing to give you an advance so your husband can work. Also, if the house is not livable due to the lack of gas and electricity, the insurance company should provide you with funds to live elsewhere for the time being. That is covered under the additional living expense portion of the homeowner policy. Ask the adjuster for money to live in a hotel while things get sorted out.If your adjuster does not return your calls, ask for a supervisor and advise them of what is going on and that you need money for additional living expenses in a hotel. They should be able to help you and/or get the adjuster to contact you.

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