Fire caused by ignition of cooking grease or oil in a commercial kitchen. Under N.C.G.S. §58-63-15, Durham businesses have 3 years to pursue underpaid claims. 3-year SOL from date of loss — act quickly.
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Get Free Analysis →Under N.C.G.S. §58-63-15, Durham businesses generally have 3 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. 3-year SOL from date of loss — act quickly. Consult a licensed North Carolina attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for grease fire claims include: Failure to maintain hood cleaning logs (used to dispute coverage).. If your claim is denied, request the specific policy provision in writing. Under N.C.G.S. §58-63-15, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.