Migliaccio & Rathod LLP is investigating whether Oregon homeowners affected by wildfires received the full debris removal benefits available under their homeowners insurance policies.
Following a covered wildfire, homeowners may face substantial expenses for demolishing damaged structures, hauling away burned materials, and preparing their properties for reconstruction. Some homeowners insurance policies provide an additional debris removal allowance when covered rebuilding and cleanup costs together exhaust the ordinary dwelling coverage limit.
Migliaccio & Rathod is investigating whether insurers failed to pay qualifying additional debris removal benefits or incorrectly treated all cleanup expenses as included within the basic dwelling limit, potentially leaving homeowners with unreimbursed costs.
Homeowners May Have Experienced:
- Paying substantial expenses to remove debris following a wildfire;
- Having debris removal costs deducted entirely from the dwelling coverage limit;
- Being denied additional debris removal coverage after exhausting dwelling benefits;
- Receiving less than the additional cleanup allowance promised by their policy;
- Having qualifying demolition or disposal expenses excluded from a settlement; or
- Paying out-of-pocket cleanup costs that may have been covered.
Potential Claims May Include:
- Failure to provide additional contractual debris removal benefits;
- Incorrect calculation of homeowners insurance coverage;
- Breach of insurance contract;
- Improper denial or underpayment of covered cleanup expenses; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You owned a home insured in Oregon;
- Your property suffered a covered wildfire loss;
- Your insurer paid or calculated benefits up to the dwelling coverage limit;
- You incurred qualifying demolition, hauling, or debris removal expenses;
- Your policy included additional debris removal coverage that may not have been paid; or
- You have the policy, cleanup receipts, rebuilding estimates, and claim payment records.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.