Fire and Water Insurance Claim FAQs — Chicago & Illinois

If you’re struggling with a fire or water damage insurance claim in Chicago or anywhere in Illinois, attorney David Hernandez can help. With extensive experience handling complex property damage cases, Attorney Hernandez fights to make sure homeowners, business owners, and property managers receive the full and fair compensation they deserve after a loss.

David Hernandez represents clients in all types of fire and water insurance disputes, including:

• Residential and commercial fire damage claims
   
• Commercial water loss and flooding claims
   
• Personal property damage claims
   
• Insurance investigations after a fire or water loss
   
• Examinations Under Oath (EUO)
   
• Claims involving Special Investigation Units (SIU)
   
• Insurance bad faith and claim denials
   
• Large and complex insurance claims
   

When your insurance company delays, underpays, or denies your claim, David Hernandez is ready to protect your rights and hold them accountable.

Contact our office today to schedule a consultation and get the experienced legal help you need for your fire or water damage insurance claim.

Office Location:
3478 S. Archer Avenue
Chicago, IL

1. What areas do you serve for fire and water claims?

We represent clients throughout Illinois, including Chicago, Cook, DuPage, Will, Kendall, Lake,

and McHenry counties. We handle claims across the entire state of Illinois, assisting with fire, water and other  claims.

3. When should I hire an attorney for my fire or water

claim?

Involve a fire insurance attorney Chicago or fire and water insurance lawyer as early as

possible. Early legal representation ensures:

● Accurate documentation of structural and personal property damaged during fire

● Protection from undervaluation, delayed payments, or claim denial

● Guidance through insurance investigation after fire, examination under the oath,

and help with claim with special investigation unit

● Full representation for residential, commercial, and large-scale losses (large

insurance claims help)

Early involvement increases your chances of recovering the full value of your fire claim.

4. Do you provide damage estimates for insurance

claims?

Yes. Our experienced estimators will prepare detailed assessments.

 Accurate   estimates prevent insurers from undervaluing your losses.

5. What types of fire or water claims do you handle?

We handle a wide range of complex claims, including:

● Restaurants, banquet halls, and churches (fire in my restaurant, fire in the church,

fire in the banquette hall)

● Multi-unit residential buildings (fire in multi unit building) and warehouses (fire in

my warehouse)

● Commercial facilities (fire claim in commercial facility)

● Single-family homes (fire in my house help with insurance claim)

● Business income interruption and insurance commercial water loss claims

● Third-party liability claims caused by contractor negligence (attorney for

commercial fire claim)

Our experience ensures that all claims, including large insurance claims help, are

properly evaluated and documented.

6. Can you assist with single-family homes?

Yes. We help homeowners recover compensation for fire in my house help with

insurance claim and personal property damaged during fire. Even smaller residential

fires can involve complex insurance matters, making early legal representation critical.

7. Do you handle fire claims in restaurants, churches, and

other commercial properties?

Absolutely. We represent owners and operators of restaurants, churches, multi-unit

buildings, warehouses, and commercial facilities. Every aspect of the claim, from

property damage to business interruption, is thoroughly documented to maximize

recovery.

8. Can you help tenants after a fire?

Yes. Tenants may be entitled to compensation for personal property damaged during fire,

relocation costs, and lost income where applicable. Our attorneys ensure tenants receive

proper consideration in the claims process.

9. Do you handle business income interruption claims

after fire or water loss?

Yes. Business income loss is often complex. Our attorneys assess lost revenue and

ongoing operational expenses for commercial fire claim and insurance commercial water

loss, ensuring your compensation reflects the full economic impact.

10. Do I have to use the insurance-preferred contractor  for fire restoration?

No. You are not required to use the insurer-recommended contractor. Never sign

contracts or authorize repairs immediately after a fire. Collect the contractor’s

information and consult your fire insurance attorney Chicago before authorizing work.

11. Why is documenting damage after fire or water loss important?

Proper documentation strengthens your claim:

● Take detailed photos and videos of all damage

● Keep careful notes of conversations with contractors and insurance adjusters

● Track affected items and personal property damaged during fire

Thorough documentation is critical for help with fire loss in Chicago and help with fire

insurance loss.

12. What should I do if my insurance company refuses to pay?

If your claim is denied or undervalued, contact an insurance claim attorney near me

immediately. Our firm can:

● Investigate potential insurance bad faith

● Challenge delays or denials (help with delay insurance claim)

● Pursue litigation if necessary

Try to not  negotiate directly with insurers without legal guidance.

13. Can you help with fire or water damage caused by  contractors?

Yes. Third-party liability claims, including contractor negligence, can be complex. We

handle commercial fire claims and insurance commercial water loss caused by

contractors to ensure responsible parties are held accountable.

14. Can you help recover money for personal property or

business equipment?

Yes. Every claim is assessed individually:

● Personal property damaged during fire may be repaired or replaced

● Business equipment often requires replacement due to safety, contamination, or

operational concerns

We ensure all losses are properly documented and compensated.

15. Why are fire claims so complicated?

Fire claim often involves overlapping issues:

● Structural and personal property damage

● Business income interruption

● Health hazards, soot contamination, and fire restoration

● Insurance investigation after fire, examination under the oath, and help with claim

with special investigation unit

16. Do you handle claims for health facilities and daycares?

Yes. We represent clinics, rehabilitation centers, and daycares in complex commercial

fire claim and insurance commercial water loss cases.

17. Can you assist if the insurance adjuster does not answer or the claim is delayed?

Yes. We intervene to prevent insurance bad faith and ensure timely processing for help

with delay insurance claim, fire claim Chicago, or commercial fire claim.

18. What should I do if my claim is assigned to the Special Investigation Unit?

Contact our firm immediately. SIU investigations require careful legal guidance to protect

your rights during insurance investigation after fire.

19. What is an Examination Under Oath?

An examination under the oath is a formal, recorded interview required by insurers. Our

attorneys prepare clients thoroughly and provide guidance throughout the process to

safeguard your rights.

20. I do not have money for an attorney. Can you still help?

Yes. We primarily work on a contingency basis, meaning you pay nothing unless we

recover money. This ensures homeowners and business owners have access to fire

insurance attorney Chicago and attorney for commercial fire claim services.

21. Why choose our firm?

● Over 20 years of experience in fire claim Chicago, commercial fire claim, and

insurance commercial water loss cases

● Insight from a former insurance company insider

● Proven results for fire in my restaurant, fire in the church, fire in my warehouse,

fire in multi unit building, and fire in my house help with insurance claim

● Expertise in examination under the oath, SIU investigations, insurance bad faith,

and help with delay insurance claim

22. How do I contact your firm?

If you need assistance with help with fire loss in Chicago, fire in my house help with

insurance claim, commercial fire claim, or personal property damaged during fire, contact

our firm today for a free consultation.

Call now to protect your rights and secure the compensation you deserve.

773-295-8500