North Carolina Fire Damage Lawyer


Pella Windows Class Action Case

$25.7 Million

We have recovered a $25.7 million settlement on behalf of our client on a Pella windows class action case.

Chinese Drywall Settlement Case

$24 Million

We have recovered $24 million on the largest individual Chinese drywall settlement case.

Marriott Vacation Club Class Action

$13.3 Million

We have recovered a $13.3 million settlement for Deceptive Trade Practices at Marriott Vacation Club.

Fires can rapidly damage commercial buildings and homes, ruin personal property with smoke damage, and destroy sentimental items. They spread quickly and can affect every part of the building. Personal loss and property damage can leave residential and commercial building owners confused about filing an insurance fire claim. The process is not easy. Insurance companies are businesses and offer little or no compassion for your losses.

At Rhine Law Firm, P.C., our lawyers are determined to help clients achieve their goals–including when clients seek representation to recoup losses after a fire has devastated their home or commercial building. We’re prepared to go up against insurance companies’ bad faith tactics, including claim denials and underpayment. We also offer personalized legal support throughout the entire claims process with a deep understanding of fire damage insurance policies and North Carolina regulations. A property damage lawyer can help you receive the compensation you deserve to rebuild your life.

Types of Fire Damage Claims We Handle

House Fire

If you make a fire claim against your North Carolina homeowners’ insurance policy, you are required to offer strong and verifiable evidence with your claim. Residential fire insurance policies should cover not only the home structure and your personal belongings but also provide temporary housing after the blaze. Other claims include the following:

Commercial Fire Damage

Commercial fire damage policies should cover the business property, equipment, and inventory, as well as lost income depending on the policy.

Wildfire Damage

Wildfire damage poses unique challenges. While most policies include wildfire damage, properties in wildfire-prone areas may not be able to obtain coverage or must pay higher premiums.

Smoke and Soot Damage

Smoke and soot from a fire damage property and cause serious health hazards. The insurance adjuster frequently misses this type of damage when they visit the property.

The Fire Damage Claims Process

Insurance companies often go to extreme lengths to blame the fire on the owner of the property. Our team of experienced North Carolina fire damage lawyers will leverage our knowledge and resources to objectively analyze your fire damage claim to help you understand your options. Never agree to a fire damage settlement before consulting an attorney. Once you sign such a settlement, you have no further recourse.

Filing the Claim

At Rhine Law Firm, we provide step-by-step assistance in the filing and submission of your insurance claim. It is also critical to file the claim as soon as possible so that crucial evidence does not vanish or deteriorate.

We know how to negotiate aggressively with insurance companies so that you can receive a fair and reasonable settlement. While most fire damage claims are settled, we will represent you in court if the insurance company denies or underpays the claim.

Common Challenges and How We Overcome Them

Insurance companies make money by paying out as little as possible in claims. Even though you are current with insurance payments–not paying the bill on time is a legitimate reason for insurer denial–your insurance company will likely seek reasons to deny or minimize your claim. We are familiar with these strategies and know how to overcome them, including the following:

  • Claim denials: Insufficient insurance is one of the most common reasons for denial. The insurer may also dispute the value of your property. If the insurer acted in bad faith when denying your claim, we can help you file a bad-faith lawsuit against the carrier.
  • Underpayment: Insurance companies use various tactics to undervalue claims. Insurers may prey on a fire victim’s financial difficulties by making a lowball offer, hoping they will accept it. We can recommend an independent assessor to inspect the property and offer a second opinion of its value.
  • Documentation Issues: Proving your fire damage claim requires extensive documentation. We can help collect evidence of the fire’s cause and quantify the residential or business insurance losses.
  • Policy Exclusions: Your insurer may claim that your policy excludes the type of fire damage that occurred. The language in policy exclusions is often complex and designed to keep policyholders from receiving fair compensation. If the policy’s language is ambiguous, the policy should favor the policyholder, not the insurer.

Schedule a Free Consultation with Rhine Law Firm

If you suffered fire damage and your insurance company denies or undervalues your claim, contact an experienced North Carolina Fire Damage Lawyer for a free, no-obligation consultation. We can assist you in interpreting your policy and facilitate the recovery you need to rebuild your life. Call or visit our office in Wilmington.

“Joel Rhine and his staff did everything possible to help us in a very dark period of our lives.”

“I couldn’t have asked for a better firm to handle my injury claim. If you do not have confidence with your attorney, you need to contact Rhine Law Firm immediately.”

“Rhine Law Firm went out of their way to make sure that my mother-in-law obtains everything she is entitled to in an injury case.”

“It was a long, arduous process and we cannot thank Joel and the rest of the team at Rhine Law Firm enough.”

“Joel will make sure you are well taken care of. He will fight for you and what you deserve and go to all measures to make sure you get it.”

Our Promise to You

  • National Practice with a Local Presence

  • Hundreds of Millions of Dollars Won

  • Over 30 Years of Experience

  • Experienced, Thorough & Dedicated Attorneys

  • Spanish-Speaking Services Available

  • Evening & Weekend Appointments Available Upon Request

Get the Legal Help You Need

Working with our firm means your needs will be met and your questions answered by someone who knows your name and the details of your case — every time you call.

Contact Rhine Law Firm, P.C., at (910) 772-9960 for a free initial consultation. Evening and weekend appointments upon request. Office hours 8:30 a.m. to 5 p.m. Evening and weekend appointments also available. We also offer Spanish interpretation and translation services.

Contact our Firm

Schedule Your Free Initial Consultation