
Every year in North Carolina, people sustain significant losses due to fire damage. In the wake of these losses, people must determine their legal rights, and possibly their legal responsibilities.
Hopefully the person sustaining the loss will have insurance to cover the loss. In the context of a house and its contents, this is most frequently a "homeowner's" policy of insurance. In North Carolina, fire policies are governed, in part, by General Statute 58-44-16. This statue sets forth several obligations of the insurer and the insured, including the notice which the insured must give to the insurer, the rights of mortgagees, and the appraisal...