Fire and smoke damage is considered a “common peril” by most homeowners insurance policies, and is a standard part of typical policy packages. With fires and smoke being so common, it can be incredibly important to have a Public Adjuster on your side to help you deal with your insurance provider. Without a Public Adjuster, your claims for fire and smoke damage could experience many speed bumps on the road to a successful payout. A good Public Adjuster can be the difference maker in ensuring that you take all the necessary actions along the way to a proper payout.
At Claims Pro Residential & Commercial Public Adjusters, we work for you, the policy holder. By working with us, we can help you fully understand your policy, properly assess the damages, and negotiate with your insurance company to ensure you get the settlement you are entitled to.
With fire and smoke damage (or any insurance claim), it is important to begin the process immediately. Be sure to have a certified copy of your insurance policy on hand along with a complete copy of the fire report. From there, it is time to assess the extent of damage. Should your property need to be completely rebuilt, a total loss fire damage claim is required. When fire damage occurs, but a rebuild is not necessary, then a partial loss fire damage claim must be filed. Our Public Adjusters can help make an accurate assessment of damage, as your insurance provider will likely short you on your payout. For example, in many fire damage cases, fire and smoke damage can lead to water damage after the fact. Water damage in non-visible areas can be especially harmful, as it goes unnoticed for so long. With this in mind, it is not uncommon for partial loss fire damage claims to become a total loss fire damage claim. Our Adjusters will help determine if this is the case.
It is also necessary to note the type of fire damage, as this can be incredibly important depending on your policy type and the local laws of your state. The type of fire or smoke damage is usually dependent on the source of the fire. Some examples include damages from wildfires, lightning, electrical malfunctions, or residential property fire damage. There are countless types of fire damage, and our Public Adjusters can help determine the type and how it pertains to your policy and claim.
Unlike the independent adjusters from your insurance company, we work for the policyholder, to protect your interests and get you the largest insurance settlement possible. To save yourself time and increase the payout of your fire and smoke damage claim, call us today for our professional Public Adjuster’s assistance.