Tragedy struck in DeLand as one person succumbed to injuries sustained in a house fire on Saturday night. According to authorities, crews from the DeLand Fire Department and Volusia County Fire Rescue rushed to the scene on the 700 block of West Beresford Avenue around 10:30 p.m.
Upon arrival, firefighters encountered heavy smoke engulfing the single-story residence. Despite one individual already being outside the burning home, responders immediately initiated a search. They successfully located another person within the smoke-filled interior. Sadly, despite efforts to save them, the victim later passed away at a local hospital, as reported by the fire department.
Amidst the chaos, firefighters managed to rescue a dog from the inferno, administering oxygen to the animal. Additionally, the Red Cross has been notified to extend assistance to the displaced family.
Preliminary investigations suggest that the fire originated from the kitchen and was likely accidental in nature. Photos shared by the DeLand Fire Department depict the aftermath, particularly the scorched kitchen area. The State Fire Marshal is actively probing into the incident, seeking to unravel the circumstances leading to the tragic blaze.
Initial confusion regarding the timing of the incident was clarified by officials, confirming that the fire occurred on Saturday evening, not Friday night as initially reported.
Understanding Florida’s Homeowner’s Insurance Requirements
Florida does not mandate homeowners to carry insurance by law, but many mortgage lenders require it as part of their lending conditions. Standard policies typically cover the structure of your home, personal belongings, and liability in case someone is injured on your property. It is crucial to understand what your specific policy covers and any exclusions that might affect your claim.
Immediate Steps to Take Following a Fire:
Immediately after a fire, ensure the safety of all individuals and pets, and then contact your insurance company to report the claim. It’s essential to document the damage as thoroughly as possible:
- Photograph and list all damaged property: This includes structural damage to the home and damage to personal belongings.
- Retain damaged items: Don’t throw away any damaged goods until the insurance adjuster has surveyed them.
- Keep receipts of any expenses related to the fire: This could include costs for temporary housing, which may be covered under your policy’s “loss of use” clause.
Special Considerations for Fatalities, Injuries, and Pets
If someone was killed or injured in the fire: Claims involving injuries or fatalities are particularly sensitive and complex. Compensation might be claimed for medical expenses, funeral costs, or other damages resulting from the incident. These claims require careful handling to ensure all due benefits are received.
If a pet died in the fire: While the loss of a pet is devastating, most standard homeowner’s insurance policies do not cover pets’ death. However, some policies may cover costs related to damage caused by pets during the fire or veterinary expenses if the pet was injured. It’s important to review your policy details to understand the coverage.
Making a Claim for Possessions
Homeowners can claim damages to their possessions under the personal property section of their policy. There are generally two types of coverage:
- Actual cash value: This covers the cost to replace your belongings minus depreciation.
- Replacement cost coverage: This pays the cost of replacing your items with new ones at current market prices.
It’s vital to have an up-to-date home inventory list, which can significantly streamline the process of filing a claim for possessions. Include descriptions, approximate purchase dates, and costs of items.
The Importance of Legal Assistance in Homeowner’s Insurance Claims
Handling an insurance claim while recovering from a fire’s aftermath can be overwhelming. Engaging an attorney can alleviate much of the burden, ensuring that your claim is filed correctly and efficiently. Lawyers can help by:
- Interpreting your policy: Attorneys can read through the complex language of insurance policies to clarify what is covered.
- Negotiating with insurance companies: Experienced lawyers negotiate with insurers to ensure fair treatment and prevent unjust denials or underpayments of claims.
- Advocating on your behalf: If disputes arise, a lawyer can advocate for your best interests, whether in negotiations or in court.
Choose Anthony-Smith Law for Your Homeowner’s Insurance Claims
At Anthony-Smith Law, we understand the complexities of homeowner’s insurance claims in Orlando, FL. We provide expert legal counsel to help you navigate through this challenging time with as little stress as possible. While we do charge for some services, initial consultations are always free, allowing us to assess your case and advise you on the best course of action without any upfront cost.
For personalized legal assistance after a house fire, contact Anthony-Smith Law at 321-900-HELP (321-900-4357). Our experienced team is here to help you rebuild your life and home with confidence and support.
