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We are a team of experienced public 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. Discover the difference of a public adjuster for fire damage insurance claims!



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Why Should You Hire a Public Adjuster for Fire Damage Claims?

Experiencing fire damage in your home? Fire damage insurance claims can leave you feeling lost, stressed, and unsure how to proceed with the insurance company. Luckily,  dedicated public adjusters can help simplify the process. A public adjuster is an individual who evaluates the damage to your home. They help you understand the entitlements of your policy. Still not sure the service is right for you? Check out our blog article on determining when you should hire a public adjuster for fire damage while you decide! 

What You Should Know about Fire Damage Claims

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. In this situation, a full review of the policy will show you what is covered. If a fire occurs in your home or business, get yourself and everyone else out to safety and call 911. Also, 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. You should 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.

Did You Know?

In 2016, CAL FIRE reported 1,750 fires that burned 18,354 acres.
Call us today to get tips and advise how to keep your home safe!


3 benefits of hiring a public adjuster for fire damage insurance claims

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.

Even the Playing Field – As a result of years of claim experience, the public adjusters at Avner Gat 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 the insurance company. Don't underestimate the benefit of a public adjuster for fire damage!

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