Insight from the Miami Accident Lawyers at The Perazzo Law Firm
When a fire breaks out, most people worry about the safety of lives and property inside the affected building. But what happens when your vehicle is damaged by a fire that starts on a roof—especially if it’s parked beneath the structure? That’s exactly the kind of legal question we explore following a recent event in Northwest Miami-Dade.
The Incident: Roof Fire in NW Miami-Dade
According to a recent report by WSVN, over 10 Miami-Dade Fire Rescue units responded to a residential roof fire along the 1400 block of Northwest 89th Street on a Tuesday morning. When they arrived, smoke was billowing from the roof. Crews ventilated the structure and successfully prevented the fire from spreading further.
While no injuries were reported, a fire of this magnitude raises serious concerns—especially for neighbors or visitors who may have had vehicles parked near or beneath the structure.
So what are your rights if your car is damaged by a fire that starts on someone else’s property?
Legal Questions to Consider
If your car is parked under or near a burning building, and it suffers smoke, flame, or water damage, there are a few things that determine whether you can seek compensation:
1. Who Is at Fault?
Determining the cause of the fire is key. As of now, the Miami-Dade fire officials report that the cause is still under investigation. If the fire was caused by negligence, such as faulty electrical wiring, unattended cooking, or a known issue the homeowner failed to repair, you may have a claim.
2. Homeowner’s Insurance Coverage
If the fire was accidental but not due to negligence, you may still be able to recover damages through the homeowner’s liability insurance. These policies often cover damages to third-party property—like your car—especially if it was parked legally and the damage was not your fault.
3. Comprehensive Auto Insurance
If you have comprehensive coverage on your auto policy, it should cover fire damage regardless of who’s at fault. However, pursuing compensation through your own insurance could mean paying a deductible and potentially facing higher premiums later.
Proving Your Case: What You’ll Need
To make a strong legal claim for vehicle fire damage, especially in a case like this:
- Take photos of the damage immediately
- Request a copy of the fire department’s incident report
- Gather witness statements or video if available
- Secure a copy of your car insurance policy
- Contact an attorney to help file a claim against the property owner, if applicable
How a Miami Accident Lawyer Can Help
At The Perazzo Law Firm, our Miami car accident lawyers know that not every accident involves a moving vehicle. When property hazards, like a sudden fire, result in damage to your vehicle, it’s essential to explore all legal options.
We’ll investigate:
- What caused the fire
- Whether negligence was involved
- If the homeowner or property manager failed to maintain safe conditions
- How insurance companies are trying to undervalue or deny your claim
Don’t Pay for Someone Else’s Mistake
If your vehicle was damaged by fire, smoke, or falling debris in a situation like the NW Miami-Dade roof fire, you may be entitled to compensation—even if no one was injured.
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Miami Accident Lawyer at the Perazzo Law Firm
Your trusted legal ally when disaster strikes—no matter how unexpected.
