Will Homeowners Insurance Cover My Fire Insurance Claim?

Have you recently experienced fire damage to your home? Many people assume that their insurance policy will cover firer damage. Fire insurance claims coverage varies on a contract to contract basis. The wording of your policy will dictate your specific entitlements. It’s important not to throw anything away before you’ve spoken with a public adjuster and your insurance company. 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.

Don’t wait to file your claim!

If you’re considering hiring a public adjuster, we suggest contacting them before you contact your insurance company. When speaking with your insurance provider, be ready to provide the details of the fire incident, including the date of loss, location of damage, list of damaged belongings, 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.

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 water damage incident?

While all contracts are different, most insurance companies require that a 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.

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.

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.

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