Why is my insurer blaming the installer for my Boston house fire burns?

Q: Why is my insurer blaming the installer for my Boston house fire burns?

The worst mistake is believing the insurer when it says, "This is really the installer's problem, not ours." From the insurance company's perspective, that story helps them. If they can point at the electrician, contractor, landlord, or product installer, they buy time, pressure you into using Medicare for treatment, and push you toward a rushed year-end settlement before the statute of limitations gets close. They also want you to think you must pick only one target: the manufacturer or the seller or the installer. That is not how Massachusetts product-injury cases usually work. In reality, a serious burn case from faulty wiring, a defective breaker, or another dangerous product can involve multiple claims against multiple parties. In Massachusetts, product cases are usually brought through breach of warranty and negligence, not classic "strict liability" wording. That means the manufacturer, store or supplier, and installer or contractor may all be on the hook if the product was defective, sold in a dangerous condition, or installed improperly. For an injury case, the basic Massachusetts deadline is usually 3 years from the fire or from when the injury should reasonably have been discovered. Waiting while insurers argue can burn up that time. Do not let them take the evidence. In a Boston fire case, key proof can disappear fast: the breaker panel, outlet, wiring, appliance, or device the Fire Department cause-and-origin report photos of the scene and your burns names of anyone who installed, serviced, or sold the product If your bills are hitting Medicare, that does not let the insurer off the hook. Medicare may seek reimbursement later from any settlement. Massachusetts also has no cap on pain and suffering damages in most personal injury cases, so "we'll just cover the medical bills" is often a lowball trap, not the full value of a permanent burn or nerve injury.

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Accepted Answer

The worst mistake is believing the insurer when it says, &#34;This is really the installer's problem, not ours.&#34; From the insurance company's perspective, that story helps them. If they can point at the electrician, contractor, landlord, or product installer, they buy time, pressure you into using Medicare for treatment, and push you toward a rushed year-end settlement before the statute of limitations gets close. They also want you to think you must pick only one target: the manufacturer or the seller or the installer. That is not how Massachusetts product-injury cases usually work. In reality, a serious burn case from faulty wiring, a defective breaker, or another dangerous product can involve multiple claims against multiple parties. In Massachusetts, product cases are usually brought through breach of warranty and negligence, not classic &#34;strict liability&#34; wording. That means the manufacturer, store or supplier, and installer or contractor may all be on the hook if the product was defective, sold in a dangerous condition, or installed improperly. For an injury case, the basic Massachusetts deadline is usually 3 years from the fire or from when the injury should reasonably have been discovered. Waiting while insurers argue can burn up that time. Do not let them take the evidence. In a Boston fire case, key proof can disappear fast: the breaker panel, outlet, wiring, appliance, or device the Fire Department cause-and-origin report photos of the scene and your burns names of anyone who installed, serviced, or sold the product If your bills are hitting Medicare, that does not let the insurer off the hook. Medicare may seek reimbursement later from any settlement. Massachusetts also has no cap on pain and suffering damages in most personal injury cases, so &#34;we'll just cover the medical bills&#34; is often a lowball trap, not the full value of a permanent burn or nerve injury.