Fires represent a truly devastating occurrence for your home or office. Not only do they have the potential to engulf your entire structure in flames, but they also unleash a wave of smoke, scorching heat, and grimy soot that can result in serious damage to the building.
Even a fire contained in one room or area can affect other areas through secondary causes like smoke damage or water damage from the sprinkler system. Finally, your HVAC, electrical systems, and appliances are highly susceptible to damage and may necessitate repairs or replacement.
As a property owner, you invest in homeowner’s or business insurance, so you won’t have to bear the burden of paying for fire damage yourself. However, you might find the claims process more challenging than expected, and in some cases, your claim could be denied or undervalued.
These situations can be confusing, frustrating, and the last thing you need when trying to pick up the pieces after a fire. Fortunately, you do have options.
You are not limited to pursuing an inspection and insurance policy review from your insurance company’s claims adjuster. In fact, you can engage the help of a public claims adjuster to inspect the damage, create an estimate, and review your insurance policy.
Our highly trained public adjusters will also take pictures of the damage and review your claim to ensure it’s correctly documented.
When you hire a public claims adjuster, they will focus on helping you address your damage with high-quality repairs or a complete replacement if necessary. Instead of trying to save the insurance company money, they will seriously consider what the best options are for fixing your property.
If you would be better off replacing a washing machine than making minor repairs to the electrical system, your public adjuster will recognize that and recommend the best solution. An insurance company adjuster may only offer to pay for the least expensive repair, even if it means you may have future problems with the appliance.
A fire damage claims adjuster will also help you photograph and otherwise document your damage and how it occurred. Insurance company adjusters often reject claims because it isn’t clear that the damage was caused by a covered incident (in this case, a fire) but without telling you what kind of documentation they would need.
Your public adjuster knows how to provide evidence showing the way in which the fire caused your damage, reducing the chances that the insurance company will reject your claim. We can also help resubmit your claim with additional evidence if the insurance company already rejected it.
We know that dealing with a fire can be stressful, and it may be hard to think clearly at first, but the steps you take after dealing with the immediate issues can make it easier or harder to successfully file an insurance claim. Here are some tips to remember after a fire:
In most cases, yes, homeowner’s insurance covers fire damage. There are, however, a number of qualifications in any policy.
Your fire damage claims adjuster will review the details of your policy and answer any questions you have, but in general, here are some things to keep in mind:
Unlike a homeowner’s insurance policy, renter’s insurance is not meant to protect the property owner but the tenant. Presumably, the landlord has their own commercial insurance that covers fires and a variety of other damages.
For this reason, renter’s insurance won’t cover damage to the structure itself or features like counters, floors, carpets, etc.
However, renter’s insurance should cover damage to the items that you brought into the property, such as furniture, appliances, electronics, and more. Again, you will need to show that the fire directly caused the damage.
Another thing to know about renter’s insurance is that it often includes liability coverage. If the fire started due to your negligence, it’s possible your landlord might pursue a claim against you for damage to the structure (which is not covered by your renter’s insurance and may not be covered by the landlord’s insurance).
But your liability policy would cover your liability for damages you unintentionally but negligently caused to the property—or to other people who were injured in the fire. If you’re being sued for negligence following a fire, it’s a good idea to speak with a lawyer before you make any decisions.
Insurance is one of many necessary expenditures involved in running a business. There are three types of insurance you might consider:
Please contact Pinnacle Claim Services for a free damage inspection and insurance policy review. Call us today at (321) 384-9379.
Our adjusters are local and ready to respond promptly. They are also highly trained and constantly continue their education in insurance and fire and smoke damage detection.
We can help you with reviewing your claim, accurately assessing your damage, and negotiating the largest payment possible. If the fire has impacted your finances and you’re concerned about upfront costs, please remember that you won’t owe us anything until we successfully settle your claim.
Living in South Florida, we are no strangers to natural disasters.
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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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