My question involves insurance law for the state of: Maryland
The most simplified version of my situation: A contractor, licensed and bonded, was working in the unoccupied unit directly below me. The worker left solvent soaked rags in a plastic bag with some other trash. Some ? days after, the rags burst into flames and burnt out the entire unit. Through the vents, walls?, floors?, cracks? white smoke permeated my unit and everything in it. The walls and surfaces were wiped down and 4 powerful HEPA fans were left on for more than 24 hours, with little if any improvement in air quality, and all contents still stink.
The contractor, the owners of the unoccupied unit, the condo, and I are each insured. My coverage is pretty standard, with a $1000 deductible for each displacement and contents.
Informal estimates I've been told are that I will be displaced for 2-3 months minimum, and the walls, floor, and ceiling should probably be replaced. The content includes several irreplacable items that will require specialized cleaning. I am a fiber artist, and my finished objects, looms, yarns, and fabrics may or may not be salvageable.
In addition, I have been receiving fairly intensive treatment for PTSD for the past 2 years, and this incident has exacerbated many of the PTSD symptoms and I've had to increase my medications. By not being able to pursue my life interests while I am displaced, my health is also impaired.
I just want to be made whole. What should I, can I, do? Thank you.