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THE PRACTICE 

HOME INSURANCE CLAIMS

While insurance companies pay out benefits the majority of the time, they may not pay the full benefits you are entitled to—and sometimes, will not pay any benefits at all.

A home is a major purchase, one of the biggest many will ever make, and homeowners hope nothing will ever happen to their investment. Whether it’s water damage or fire, you may need to make a claim on your home insurance at some point.

The legal team at Rotondo Law are experts on home insurance claims. We work with our clients to ensure that they receive the full amount they are entitled to. 

Rotondo Law’s legal team recommends taking a full inventory of the items you own before contacting us, as well as documenting the damage done to your home. We also recommend keeping records of your calls to the police and fire department; that way, we have evidence to present on your behalf.

With Rotondo Law on your side when you make a home insurance claim, you can relax knowing that you’ll receive the benefits that will assist in rebuilding what you have lost.

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Can I Sue if a Fire Hydrant Is Out of Service?

According to Rotondo Law, the leading personal injury lawyer in Toronto, if the fire hydrant outside of your home or business is damaged and a fire occurs, you may potentially have a case against the municipality. Depending on the circumstances of the fire and the damage to your home or business, your insurance company can go after the municipality for damages. There has to be a causal relationship between the damage caused to your home and the inoperable fire hydrant.

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Put simply, if the damage would have been less severe had the fire hydrant been working, you have a case. Even then, you can only sue for the differential. Similarly, if the landlord of your apartment building or the location of your business has not kept up safety standards, you can also file a case against them, regardless of whether or not the nearest fire hydrant was working. If the fire hydrant closest to your home is out of order for an extended period of time, do not hesitate to call continually until it is repaired. The chances of a fire occurring are slim, but as a home or business owner, you want to know that the fire department will have access to a working fire hydrant should the unthinkable happen.

If your home was extensively damaged in a fire due to an out-of-order fire hydrant, call on Rotondo Law. We will closely look at your case and determine if further damage to your home could have been prevented had the fire hydrant been in proper working order. And best of all, we offer a free, no-obligation initial consultation. Should you decide to hire us, we will see your case through to completion—and remember, we don’t get paid until you do!

A working fire hydrant in close proximity to your home or business is a basic safety feature that everyone should have. If your house or business has suffered extensive damage that could have been prevented if the closest fire hydrant had not been out of service, call Rotondo Law, the top personal injury lawyer in the Greater Toronto Area.

Sources:
Murthy, R., “Are out of service fire hydrants a legal liability for the city?” CityNews Toronto web site, April 8 2014; http://www.citynews.ca/2014/04/08/are-out-of-order-fire-hydrants-a-legal-liability-for-the-city/. Rogers, K., “City responds to out of service fire hydrants,” CityNews Toronto, April 8, 2014; http://www.citynews.ca/2014/04/08/city-responds-to-out-of-service-fire-hydrants