Tag: Fire

Five Tips During The Fire Damage Insurance Claim Process

Five Tips During The Fire Damage Insurance Claim Process

Fire Damage to your home can be expensive and a stressful time in your life. During this time, the fire insurance claim process may seem like a relief at first but it can soon become a nightmare. Filing a claim for fire and smoke damage can be a stressful and confusing process. You’ll find varying opinions of Do’s and Don’ts on the Internet which can add to confusion of what is best to do. Homeowners often make mistakes in filling their claims, which can result in their claims being denied by the insurance company. This article discusses five tips to ensure you file your fire damage claim successfully.

Fire claims are inherently complex. Simple mistakes during the claim process can result in incorrect settlements or unjust denials. This subsequently leaves property owners in a troubling situation as they might not have the funds to restore their properties to pre-loss conditions. Here are five fire insurance claim tips that will make insurance filing process easier:

– Request a certified copy of your insurance policy and study it to see what will be required of you during the claim process and what will be covered. Being proactive rather than reactive is important with the fire claim process.
– Hire an independent general contractor and restoration company. Do not authorize any restoration or rebuild work until the insurance company and you have come to an agreement as to the scope, or value, of the smoke and fire damage.
– Get two or three independent fire damage estimates from qualified general contractors as to the cost to rebuild your property to it pre-loss condition.
– Keep a detailed diary of all progress with the claim. Take photographs and videos of all damages and temporary repairs.
– Call an experienced fire claim adjuster, a public adjuster, if you need claim help. Fire claims should progress at an acceptable rate and most should settle within 90 days.

Public insurance adjusters are independent claim adjusters who provide claim help. They document and negotiate fire claims with insurance companies. Public insurance adjusters work for claimants only and do not ever represent an insurance company.

When it comes to hiring professional fire insurance claim help from a public adjuster, you should always choose an adjuster with experience and a verified track record. A reputable fire claim adjuster will handle all your claim details, communication with your insurance company and help you secure the largest possible settlement. This allows you the freedom of not having to deal with the complexities of the fire insurance claim process. Hire a public insurance adjuster and get the largest settlement amount for your fire claim.

The author is working as a freelance writer. He has written many articles and blogs on various topics related to fire insurance claim help.

Getting Professional Fire Insurance Claim Help Is a Good Idea

Getting Professional Fire Insurance Claim Help Is a Good Idea

Fire and smoke damage to any type of property- a home or a business- can be one of the most stressful events in one’s life. It’s rarely an easy process and keeping family and work obligations are only the start of a very time-consuming and complex process. Handling the documentation alone during the fire claim process can become a full time job in addition to figuring out if you’re being properly compensated for all your damages.
Many people just give up and give in to their insurance companies, leaving thousands of unpaid dollars in the hands of the insurance company. Fire insurance claim help from private adjusters – a public adjuster to be specific- is available to avoid all these pitfalls after your property has been damaged by smoke and fire.
Hiring an experienced public adjuster to document and manage your fire insurance claim will give you the peace of mind to know that your claim is being handled by an expert who knows exactly how to document and settle your claim for the maximum amount. Having professional help also enables you to focus on pre-existing personal and professional obligations and restoring normalcy to your life.

These adjusters can be found online and are sometimes referred to as fire damage insurance claim adjusters. These claim experts manage all the day-to-day communications related to the claim, site meetings, damage documentations and estimation, and negotiations with the insurance company. Having an experienced and skilled adjuster on your side will ensure the best settlement in the most efficient timeframe.

It’s important to at least consult with a public adjuster ASAP and entertain getting professional fire insurance claim help if:

– The insurance company has denied your fire claim.
– The fire has been under investigation for an extended period of time.
– The origin of the fire has been ruled suspicious.
– You are being treated like a suspect as opposed to a victim.
– You have been required to do an Examination Under Oath (EUO).
– You received a settlement which you feel is low.
– You’ve received a partial settlement contingent upon other factors.

Handling a fire claim without professional help can result in common mistakes that could likely result in complications such as delays or disputes with the insurance company. Hiring an experienced public adjuster who handles claims for a living is a smart decision and will likely save you time, money and stress.

You should interview several firms before hiring a fire insurance public adjuster. 10-12 years of verifiable fire claim adjusting experience should be a requirement. While searching online can be valuable and efficient, you must verify any potential candidate’s experience, credentials and referrals thoroughly.

While searching the Internet you will find that some private fire claim adjusters offer complimentary claim assessments. These claim reviews could provide you valuable insight into if your insurance company is treating you fairly or not.

Getting fire insurance claim help earlier on in the claim process is better than waiting until there are major issues with your claim. Do your research and thoroughly interview candidates. Finding the right public adjuster will save you time, money and stress.

The author is working as a freelance writer. He has written many articles and blogs on various topics related to fire insurance claim help.