Need To File A Fire and Smoke Damage Insurance Claim?
Dealing with recovering from a fire is stressful enough without having to take on an insurance company. Fire and smoke insurance claims include damages caused by smoke, soot, heat, the water used to extinguish the fire and the fire itself. In the case of a severe fire, all of these damages can combine to make your residence or business uninhabitable and unusable.
Our first objective in preparing your insurance claim is to evaluate the scope of loss and damage as well as to analyze your insurance policy to see how it applies to your specific situation.
Things To Consider When Filing A Fire and Smoke Insurance Claim
After you experience a fire, you must determine to what degree your home or business property is affected. Is your structural foundation damaged? Are the items within the home or business recoverable or are they a total loss?
One of the most common and potentially costly mistakes we see policyholders make is to sign an authorization form from a “disaster restoration” firm without a clear understanding.
Often, these firms aim to repair the items within your home or business. The cost will then be subtracted from the policy limits. This can then cause an issue if the funds are later needed to replace items that are at a total loss.
Should You Use A Public Adjuster For Your Fire and Smoke Damage Insurance Claim?
A Florida State licensed Public Insurance Adjuster represents you, the one making the claim for your Fire and Smoke Damage against the insurance company.
Florida Statutes provide for and regulate Public Adjusters to represent the insured, not the insurance company. You should use a Public Adjuster to have someone on your side that understands the full scope of the insurance contract and the claim process.
Getting Started With Your Fire and Smoke Damage Insurance Claim
Your very first step should be to contact a Loss Adjuster at Nerren Claims Consultants. The reason for this is to see if there are any immediate steps you need to take for your Fire and Smoke damage experience.
As always with any insurance claim, documentation of the event and damage caused by the event is very important. It may be necessary in some cases to begin the cleanup and repair process before you have a chance to meet with the insurance company’s adjuster. You should photograph and document the damage before any cleanup begins as the insurance company will want to see evidence of all damage. Not doing so could result in a reduced or denied insurance claim!
Nerren Claims Consultants is here to assist you with making it through the ordeal of dealing with your Fire and Smoke Damage Insurance Claim!