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HAD A LOSS?

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Do you have a question about your homeowners insurance claim? Give us a call and we’d be happy to talk to you about your situation.

Will Homeowners Insurance Cover My Fire Insurance Claim?

Have you recently experienced fire damage to your home? You’re not alone! The National Fire Protection Association reports an average of 355,400 residential fires each year. Many people assume that their insurance policy will cover all forms of fire damage. In fact, fire insurance claim coverage varies on a policy to policy basis. The wording of your policy will dictate your specific entitlements.

Fire damage insurance claims can leave you feeling lost, stressed, and unsure of how to proceed with your insurance company. Luckily, a dedicated public adjuster can help simplify the process. A public adjuster is an individual who analyzes the damage to your home and then helps you understand the entitlements of your policy. A public adjuster represents you and protects your interests – NOT the interests of the insurance company. Discover the difference by hiring a public adjuster for your fire damage insurance claim!

DON’T WAIT TO FILE YOUR CLAIM!

Most fire damage claims are ‘partial losses’. Your property is considered a partial loss if it was not completely destroyed in the fire. We strongly recommend working with a public adjuster for your partial loss fire damage insurance claim. This is because partial losses create a complicated recovery process. 

You have the right to see your property returned to a ‘uniform and consistent appearance’. This can be difficult to achieve after a partial loss where parts of your home are undamaged. For example, imagine that part of your flooring is damaged and the original flooring material is no longer available. Your insurance provider may suggest replacing only the damaged portion of the flooring with a close match. For many homeowners, this won’t be a satisfactory solution and that can lead to delays and lengthy negotiations. As your public adjusters, we will work with your insurance provider to consider the replacement of the entire floor with similar material.

After a fire damage event, you may encounter hidden damage from smoke, ash, or water that was used to stop the fire. The powerful fire hoses used by emergency responders can quickly penetrate drywall and other underlying structures. If these materials aren’t properly dried, it is very likely that they will develop mold. At Avner Gat Inc., we’ve managed hundreds of fire damage claims. Our experience gives us the ability to quickly identify possible sources of hidden damage so they can be repaired quickly. We’ll work with your insurance provider to obtain a thorough and complete inspection of your property. This inspection should include an evaluation of:

  • Roofing
  • Structural
  • Metals/Frames
  • Windows
  • Plumbing
  • Heating and Ventilation Systems
  • Interior Walls
  • Air quality
  • Cabinets
  • Flooring
  • Electrical System

WHAT DO I NEED TO FILE A FIRE DAMAGE INSURANCE CLAIM?

When speaking with your insurance provider, be ready to provide the details of the fire incident, including the date of loss, location of damage, and condition of the home. The fire insurance claims process is lengthy and may require you to press your provider for a quick response. Even if you remain in constant contact, you may still need to take on some initial expenses yourself. Initial expenses you may incur immediately after a fire can consist of boarding up the structure and the cost of a hotel or temporary relocation if your home or business is unsafe.

We know that you need to focus on the health and safety of your family during this time. Hiring a public adjuster for your fire damage insurance claim will help simplify this complicated process. We’ll advocate for you to receive a full and fair payment, and we’ll be there to manage the documentation and negotiations.

DO YOU OWN A CONDO OR APARTMENT COMPLEX THAT HAS SUFFERED FIRE DAMAGE?

Fire insurance claims can be a logistics nightmare for condo owners.  If you are a condo owner, the homeowners association might be splitting responsibilities and coverage. In this situation, a full review of your policy will show you what is covered. Similarly, if you own an apartment complex that was damaged by a fire, you may have certain contractual obligations to your tenants. The public adjusters at Avner Gat have spent over 25 years working with the top insurance companies, and we can help you negotiate with your insurance provider.

HOW LONG DO YOU HAVE TO FILE AN INSURANCE CLAIM AFTER A FIRE DAMAGE INCIDENT?

While all insurance policies are different, most insurance companies require that prompt notice is given to the company. That means that if you have a loss you must notify your insurance company or agent right away. Furthermore, you should file your claim as quickly as possible to avoid a breach of your insurance policy, which may justify your claim being denied.

It’s important not to throw anything away before you’ve spoken with your insurance company’s adjuster. Even if your belongings are unsalvageable, presenting them to the insurance company’s adjuster helps bolster your claim. In some cases, disposing of items prematurely can provide the grounds to deny certain aspects of your claim.

WHY SHOULD YOU HIRE A PUBLIC ADJUSTER FOR YOUR FIRE DAMAGE CLAIM?

Public adjusters are independent adjusters hired by individuals to represent them in their dealings with their insurance company. Our main objective is to get you paid every dollar you are owed under your policy. Our service is no upfront cost to you as we work on a contingency basis only and our fees are based solely on a percentage of the claim payments we bring you. Therefore, we are motivated to bring you the maximum amount available under your policy in the shortest amount of time.

Our team will analyze your claim and work hard to advocate for you. If some (or all) of your claim is denied, we will request a complete explanation of the denial.

WHAT ARE THE BENEFITS OF HIRING A PUBLIC ADJUSTER FOR FIRE DAMAGE CLAIMS?

We save you time – We will manage your claim and minimize the time you spend dealing with adjustment issues, which include meeting with the insurance company, their contractors, and various other vendors.

We even the playing field – As a result of years of claim experience, the public adjusters at Avner Gat, Inc. can help you read and interpret policies to determine your maximum entitlement.

Faster resolution – We can quickly organize documentation to support the amount of your loss. We will present the evidence to your insurance company and can usually help you resolve your claim faster than if you were handling the claim yourself.