After a Fire Loss, Dealing with Your Insurance Company

A retired claims adjuster and an expert witness in insurance coverage cases outline some definite do’s and don’ts for homeowners working through the insurance claims process.

Smoke damage on a kitchen ceiling.
(Image credit: Getty Images)

The proper smoke and carbon monoxide (CO) alarms can mean the difference between having a home to live in – or even having a life to live at all, considering 80% of deaths from home fires that occur between 11 p.m. and 7 a.m.

Luckily, “Anna” and “Danny” were not one of those statistics, because they had a CO detector that went off early in the morning of Dec. 28, 2021.

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H. Dennis Beaver, Esq.
Attorney at Law, Author of "You and the Law"

After attending Loyola University School of Law, H. Dennis Beaver joined California's Kern County District Attorney's Office, where he established a Consumer Fraud section. He is in the general practice of law and writes a syndicated newspaper column, "You and the Law." Through his column he offers readers in need of down-to-earth advice his help free of charge. "I know it sounds corny, but I just love to be able to use my education and experience to help, simply to help. When a reader contacts me, it is a gift."