Fire. All work done falling apart

by D. W.
(Terrace, B.C., Canada)

Hi there,


I had an electrical house fire 3 years ago on one corner of my home. The work they did to replace it already falling apart because of shoddy work, and the bedroom still smells like a fire happened in it. The electrical they did was also not very well done and when I sent a letter to the broker I was threatened by the contractor, because they had to replace the corner foundation to replace the walls. They said they would charge me all kinds of money for it. I did not pick these contractors the insurance broker hired a restoration company which inturn hired all the contractors. There is still smoke stains showing on my siding and gutters.

I was told I wouldn't get any money for all the things I had to put money out for like hotels, meals for 6 weeks unless I signed the paperwork. So again I was forced to sign off to pay the bills.

Is there anything I can do about this now?

Insurance Claim Follow up


Hello,
That sure sounds like a bad situation. Not knowing all the details, it would seem that you need to get legal counsel. With three years elapsing since the fire and probably more than two since the claim was settled, it seems like an awful long time to wait. But there is probably more to the story.

Hopefully you kept records of dates and details of correspondence.

You mentioned contacting your broker. Did you also contact the claims adjuster and claims department of the insurance company? Some brokers view claims as not part of their job and leave that process between the insurer and the client. Others actively advocate for their clients.

You could contact the insurance company and raise your concerns. But you will very likely need to get legal advice on this.

Hope that helps.

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Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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