What to do After a House Fire With no Insurance
Living without insurance is a risky business. So when it comes time to figure out what to do after a house fire with no insurance, you might feel like you’re at a loss.
While you won’t be able to file a claim, there are some other ways you can get help and compensation. You can get your life back on track with the right information and resources.
If you don’t have insurance, you can’t really get your possessions replaced. But there are some other things you can do to ease the pain.
Here are some of the options available to help you reach the peace of mind you deserve. Getting help after a house fire with no insurance is a difficult game, but with our advice you can get your life going in the right direction.
Safety is Always First
The first thing you need to do is make sure that everyone is okay, including yourself.
When it comes time to deal with the damage to your home, you need to make sure you have an inspection done. This will ensure that your home is safe to enter.
Make sure you follow the proper steps to repair and restore your home and your safety. Know what to look for to make sure that the inspectors and repairmen haven’t missed anything.
Regardless of whether or not you have insurance, you need to make sure your home is completely safe before you can re-enter, even just to look. This can get costly, but it’s necessary for your life and your safety.
If you’ve suffered burns, make sure you get them treated and keep all of the documents, records, photographs, and other evidence. You might need them if you’re going to charge someone for negligence.
Once you’ve dealt with your health and safety, then you can figure out what your options are.
Was The Fire Someone Else’s Fault?
If the fire happened because of someone else’s negligence, you could be eligible to sue them for damages.
In this case from 2012, a family was renting a home when it caught on fire. They didn’t have renter’s insurance, but the fire department determined that there weren’t any functional smoke detectors on the property. Under the Ontario Fire Code, the landlord was fined for failing to provide working smoke detectors.
Depending on your specific situation, someone else might be negligent for the fire. Under premises liability, a landlord or homeowner is responsible to uphold their duty of care to their tenants or guests.
An unintentional tort claim is filed when someone is negligent and causes an accident. It’s not on purpose, but someone still needs to be responsible. If you think the fire was someone’s fault, talk to a personal injury lawyer about filing a tort claim.
However, if you’re under the impression that someone created the fire on purpose, you’re looking at a completely different section of the law and they can be held criminally liable.
See if You’re Eligible For Programs, Charities, or Benefits
If you didn’t have insurance, you could lose everything with no hope of getting it back. When that happens, it’s important to know who you can turn to.
The Canadian Red Cross provides some disaster relief programs. You might be able to get some help there. If they don’t have programs in your area, they have a ton of helpful resources to get you through this rough time.
Local shelters provide emergency places to stay if you don’t have anywhere to go. They are usually temporary, but always ask to see if you can get an extension.
Try an organization like Freecycle, which brings together people around the world who are looking to recycle used items. You can also check to see if you’re eligible for any benefit programs that could help.
How to Avoid a Disaster
Insurance might seem like an expense you’re not likely to need. But when disasters and accidents happen, we realize how important it really is.
Always make sure your policies are up to date. A couple who suffered during the Fort McMurray wildfires of 2016 learned that the hard way. After they evacuated their home, they called their insurance company to start a claim- only to learn that they had missed their last renewal and weren’t covered.
Fortunately, local community groups and organizations rallied together to help the couple and their son get back on their feet.
Nicholas Adams, who was renting an apartment in Ottawa, felt a similar situation when the apartment he was renting caught fire. He didn’t have renter’s insurance.
His landlord had property insurance, but his personal belongings weren’t covered because he didn’t have his own policy. Luckily, like the Fort McMurray couple, Adam and the other tenants in the building received support from the community to help them get on their feet.
Not everyone has the luxury of community support.
If you have insurance, make sure your policy is up to date and you have the right coverage. When you’re injured in a house fire, talk to an experienced personal injury lawyer for the right advice.
Conte & Associates Can Help Get Your Life Back on Track
Does this situation sound all too familiar to you? Have you been the victim of a house fire with no insurance?
If your house fire was caused by someone else’s actions, Conte & Associates can help you. We’ll make sure you get what you deserve.
Our offices in Whitby and Vaughan are open to hear your case.
Someone else’s negligence shouldn’t ruin your life. If you’ve suffered burns and injuries from the fire, we work with Ontario’s best medical experts and professionals to build you a strong case.
Don’t wait until it’s too late. Get in touch with us now for your free consultation.