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YOUR CLAIM - OUR PRIORITY!
THE TOP PUBLIC INSURANCE ADJUSTERS
We are a team of experienced adjusters that work hard to help you get properly compensated after you’ve suffered a loss. We represent YOU and protect your interests – NOT the interests of the insurance company.
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What’s covered or not in a Fire Damage Claim?
It can be hard to say what is and is not covered in a Fire Damage Claim, so many of these things are negotiated on a contract by contract basis with your insurer and can vary wildly based on your ownership situation (home owner, rental, condo, etc.). If you are a condo owner, the homeowner’s association might be splitting responsibilities and coverages. The only way to really know who is responsible for what and what is covered is to review the contract itself. If a fire occurs in your home or business, get yourself and everyone else out to safety and call 911. Don't forget your pets! After the fire has been extinguished make all reasonable and necessary repairs to protect the property from further damage. Keep track of all expenses with the supporting documentation. Initial expenses you may incur immediately after a fire may consist of boarding up the structure and the cost of a hotel or temporary relocation if your home or business is unsafe. Read more about this subject in our a blog page.
How long do you have to file an insurance claim after a fire damage incident?
While all contracts are different, most insurance companies require that a prompt notice be given to the company. That means that if you have a loss you must notify your insurance company or agent right away. File your claim as quickly as possible to avoid a breach of your insurance policy, which may justify your claim being denied.
How can one prevent a Fire?
Fire damage is one of the scariest things that can happen to you and your family. Make sure you have a working smoke detector in every room and test them regularly. Having a fire extinguisher on hand is also recommended as it will be your first line of defense. Most importantly, make sure you and your loved ones have an evacuation plan regardless of where the fire is occurring in the house. Here are a few tips to prevent a fire from happening in your home/business.
Be very careful when you cook and keep an eye on your stove at all times. It is recommended that you never leave the kitchen while cooking. Keep flammable items such as dish towels, paper towels, and pot holders away from the stove.
Never use faulty equipment. Look out for frayed or torn cords and wires. For this reason, you never want to run a cord under furniture or rugs. Wires get hot and the insulation on wires can also tear in places that you can't see. This can start a fire when brushed up against flammable material.
Inspect and clean all household heating utilities annually, including fireplaces, portable and stationary heaters. Keep them away from anything flammable, such as curtains, bed sheets, and clothing. Also, always unplug them when you leave the house.
Never smoke in your home, and use deep ashtrays in your balconies and back yard. One of the leading causes of house fires is someone falling asleep with a cigarette in their hand.
Candles are beautiful, but can also be a liability. If you must light candles, then keep them within eyesight. If you can’t keep a close eye on your candles while they are burning, consider purchasing battery operated candles.
Here are 3 benefits of hiring us
Your Time – We will manage your claim and minimize the time you will have to spend dealing with adjustment issues, which including meeting with the insurance company, their contractors and various other vendors.
We Even the Playing Field – We have years of claim experience and know how to read and interpret policies to determine what you are actually entitled to recover.
Faster Resolution – We know what documentation is needed to support the amount of your loss and how it should be presented to the insurance company which usually results in you getting paid quicker.