The aftermath of a fire is disastrous and overwhelming, but what can be even more overwhelming is working through the fire insurance claim process. To help you through this process, here are some tips and advice for dealing with a fire damage insurance claim.
Assessing The Damage
Regardless of how it started, there’s bound to be damage. If a fire were to entirely consume your home, that would be categorized as a total loss fire claim by your insurance company. A total loss fire claim means that you will receive compensation from your insurance company equivalent to your policy restraints.
Fire damage is covered by every home insurance, business insurance, and commercial insurance policy. Although fire insurance claims seem forthright, they are seldom as blunt as they appear.
Value Calculation Of Your Possessions
Homeowners may find themselves struggling to make accurate calculations of the value of their possessions in the middle of a fire damage insurance claim. Your insurance company will need information on how much money will be needed to replace items. If you are not able to find precise records, then your insurance company could significantly decrease the value of your claim.
A public insurance adjuster, like Atlantic Coast Public Adjusters, will be able to help you with all facets of handling a fire damage insurance claim. A public adjuster is an experienced and licensed professional with a track record of winning higher insurance settlements for clients.
Filing A Fire Damage Insurance Claim
When going about filing a fire damage insurance claim, it’s typical for insurance companies to be resistant at each stage of the process. That’s why you should use the help of a public claims adjuster to guide you through the process as they are on your side.
You will want to get in touch with your insurance company ASAP to start the claim – begin documenting everything. Take pictures of all of the fire and smoke damage within your home. You will want to file proof of loss forms and hold on to every single one of your receipts from HVAC technicians and restoration professionals.
Tips For Filing A Fire Damage Insurance Claim
Understandable, you’ll be under a considerable amount of stress after experiencing a house fire. But here are a few things to keep in mind when contacting your insurance company:
- Keep all of your receipts living expenses. You may need to stay in a hotel for a while and eat out every night until your home is restored, so keep all of those expense receipts.
- File a claim as soon as possible.
- Check your bank statements for past receipts.
- Comprehend depreciation costs.
- Hire a public adjuster.
- Document all fire damage — even things you will be throwing out.
How A Public Adjuster Can Help
Battling your insurance company for a fair payout can be exhausting. A Public adjuster can help in the following ways:
- They will investigate your claim to make sure you receive compensation for the fire damage;
- Analyze the damage and determine the value of the overall loss;
- Understand your intricate insurance policy;
- Help in preparing claims;
- Personally advise you from the beginning to end through the process of your fire damage claim.
Finding A Public Adjuster Near You
Reaching out to a public adjuster can ensure that you get the most out of the fire damage claims process, and help avoid your insurance company taking advantage of you.
Do you have more questions surrounding fire damage claims or public adjusters? Check out our blog, follow us on Facebook, or call Florida’s most trusted public adjuster, Atlantic Coast Public Adjusters, at (877) 561-2524.