When you think about fire damage to a property, you may imagine blackened buildings and charred remains of structures and furniture. That’s undoubtedly an example of fire damage, but there are other, more insidious ways that fire can cause losses.
Even a relatively small fire limited to a single room can produce high amounts of soot, ash, and smoke, which may cause less visible damage. If your building has a sprinkler system, the water that puts out the fire can also damage belongings.
People often assume that the insurance company adjuster will know about these types of damage, and they do. But when they look at a claim and peruse the attached pictures, they may not see any evidence of smoke or water damage.
That doesn’t mean it isn’t there, but the insurance adjuster isn’t going to pay for damage without proof. As a result, they might make you an offer based only on the direct damage they see from the fire—the charred boards and rubble.
To complicate matters, most homeowners, business owners, or renters are not experts on what the different types of damage look like or what they should photograph to prove they have further damage. They may expect the insurance company’s adjuster to accurately assess their damage and make a fair offer.
Unfortunately, this often leads to an undervalued claim offer and residual damage that isn’t addressed.
By engaging a public claims adjuster, you can get an accurate evaluation of your actual damages with the documentation needed to convince the insurance company.
Your smoke damage claims adjuster is not an employee of the insurance company tasked with reducing payouts. They work for you and will carefully study the scene of the fire, looking for signs of smoke, soot, ash, and water damage.
Additionally, they will examine your appliances, HVAC system, and electrical system, which may also sustain damage in a fire.
Here are some tips to make the process easier for both you and the adjuster while preserving evidence of your damages:
Studying the scene and identifying damage is only the first stage in a successful claim, but at Pinnacle Claim Services, our adjusters will help you every step of the way:
The answer can vary depending on the specific insurance contract, and your fire damage claims adjuster will help you understand the details of your policy
In general, insurance companies won’t cover damage caused by owner neglect. In other words, they may reject your claim because they believe your neglect caused the fire.
Many fire insurance policies have safety guidelines they expect policyholders to follow; if there is evidence that you ignored these guidelines, that could be one reason the company rejects your claim. Usually, the guidelines are common-sense fire safety tips, such as:
What if you followed all the safety guidelines, but you still suffered a home fire? Your public claims adjuster will help you document that you took precautions and show that the fire was simply an unavoidable accident.
For example, they might take pictures of all your smoke alarms or show that there were no obvious fire hazards in the room where the fire started.
Yes and no. Technically, renter’s insurance policies usually cover fire damage, but only for the items you own inside the rental unit.
Damage to the walls or structure itself is not covered. However, your landlord’s commercial insurance may cover losses like damage to the cabinets, countertops, or walls.
When documenting damage to your belongings, your claims adjuster will carefully examine the scene and ask about which items you own versus which came with the apartment. We can document damage for your landlord’s commercial insurance policy as well as your renter’s insurance.
As with homeowner’s policies, it can be more challenging to find visible signs of smoke, soot, or water damage, but our claims adjusters know what to look for and the best way to demonstrate these types of damage.
As a business owner, you may worry about what happens if your business location suffers a fire. In some situations, a small business could face financial ruin if a fire destroyed all its inventory or its only location. There are also other concerns to keep in mind when considering the three types of insurance that may apply to your business:
If you’ve recently suffered a fire in your home, rental property, or commercial property, dealing with the insurance company or worrying that your claim will be rejected can be stressful. At the same time, you may be busy with logistical concerns, such as trying to get back to work or find a place to stay.
The last thing you need is an undervalued claim or a claim denial from your insurance company.
Please contact Pinnacle Claim Services of Deerfield Beach for a free inspection and insurance policy review. We’ll meticulously inspect the scene and document all instances of damage for your claim, then go over the details of what your policy covers, taking the time to answer your questions.
If you want to move forward with our help, we’ll aid you in preparing and submitting your claim and then negotiate with the insurance company on your behalf. So call us today at 954-
All of our claims adjusters are knowledgeable, educated, and highly trained in fire damage inspection. We’re always ready to ensure the insurance company pays the total value of your claim.
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When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.
Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.
There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.
Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!
Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.
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