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Natural disasters and other loss

Natural disasters like wildfires, windstorms, and mass-flooding devastate entire communities. We ensure that our clients’ voices are heard and that Insurance Companies respond to their claims fairly.

A residential loss caused by a natural disaster can be divided into four coverage areas:

  1. Mass evacuation

    If you have this coverage, the costs associated with having to evacuate and find a safe place to stay during an Order of Evacuation should be reimbursed; issues can arise when trying to navigate what costs are eligible, the length of the coverage period, and the fine line between Mass Evacuation and Additional Living Expenses.

  2. Additional Living Expense

    This will be policy-specific, but should generally cover the new and additional costs associated with being forced to stay out of your home after the Order of Evacuation terminates due to physical damage to the Home; issues can arise about knowing what to claim, navigating payment schedules and minimizing financial stress.

  3. Personal Contents

    This will depend on your policy, but should generally provide a fair portion of the funds required to replace or repair your damaged or destroyed personal possessions; issues can arise with regard to items left off the list, undervaluation, and over-depreciation.

  4. Structure/dwelling

    This varies from policy-to-policy, but should generally cover the cost of rebuilding a comparable structure to the home you had prior to the loss; a multitude of issues can arise when your vision for the repairs do not match the Insurance Company’s suggestions.

Our goal is to negotiate claims with Insurance Companies in the quickest and fairest way possible. If necessary, we represent homeowners’ interest at Appraisal and Dispute Resolution appearances, and we can pursue a civil claim where settlement is not possible.

Virani Law is fully operational and we continue to help families across Canada during Covid-19.
Free Consultations are available over the phone or through video conferencing. Stay safe.