Have Legal Questions? Ask a Lawyer Now.
You need to report the matter to both your car insurance company and your homeowners insurance company. Between the two insurance companies, they should handle all of your losses, including the damage to the vehicle and the damage to your home.
You haven't mentioned anything that makes me think that the insurance companies may not fulfill their obligation. However, if the claims are proceeding and you become concerned about being fully compensated, you might then think about retaining an attorney to assist with the insurance companies. Absent that though, you shouldn't need any assistance.
Please let me know if anything requires clarification.
Also, several customers have asked how they may direct a question to me in particular. If you specifically want me to assist you in your legal matter, just put "FOR JOSEPH" in the subject line and I will gladly pick up the question as soon as I am on-line.
Ford has had to address quite a few class action lawsuits over the Explorer. However, I believe that they have settled most suits and I am not personally aware of any active class action cases. My thought would be to deal with the insurance companies first to see if they can address all of your concerns first. As to that, the homeowners insurance may handle the entire claim as the incident occurred at your home.
If you decide that things are not progressing as you expect, you might look into the class action idea a bit more. You could do a quick Google search for "ford explorer class action lawsuit" and I'm sure you'll get plenty of responses. If you search a bit, you may find an active lawsuit that fits your needs.