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Reconstruction on a house with fire damage
Reconstruction on a house with fire damage
Fire Damage

Naples Fire Damage Claims Adjuster

Fires are one of the most catastrophic events to affect your home. Besides causing some, or all, of your structure to go up in flames, they create an overwhelming amount of smoke, heat, and soot, which can lead to severe injury or even death. Even the water used to put out the fire can significantly damage your property. Lastly, the air conditioning and electrical systems will most likely be impacted and need to be replaced entirely if your building catches on fire. 

As you can see, experiencing loss from a fire can be devastating, but navigating the insurance claims process can be highly stressful and confusing. That’s why having an expert like a fire damage claims adjuster in your corner is essential. 

If you don’t have an experienced public adjuster like Pinnacle Claim Services by your side, you may be unable to recover the total benefits you need to repair your home and get your life back to normal. With your Naples public adjuster’s help, you can receive answers to the top questions you’ll have while we guide you through every step of the fire damage claims process. 

We provide free damage inspections, free policy reviews, and free claims evaluations. To learn more about how exactly Pinnacle Claim Services can help you, call us at (239) 310-4808 or contact us online.

Preparing Your Fire Damage Insurance Claim 

Your fire damage claims adjuster is there to help you in the event of a fire, but you still need to remember some necessary steps when filing an insurance claim: 

  • Don’t touch or disrupt the scene 
  • Take as many photos and videos of the initial damage as you can
  • Have the property professionally secured and boarded up
  • Ensure that your insurance covers hotel and storage fees 
  • Create an itemized list of every damaged item before discarding it 
  • Save and submit receipts of all expenses 

By following these steps, you can have a much smoother, more efficient claims process and increase your chances of receiving a larger settlement.

Does Insurance Cover Fire Damage? 

If you own property in Florida, chances are you’ve asked this question before. After all, nobody wants to lose their property and end up in a dire financial situation. 

Here is an overview of insurance options in the state of Florida, particularly: homeowners, renters insurance, and landlord insurance, and whether they cover fire damage. 

Does Homeowners Insurance Cover Fire Damage? 

Yes, homeowners insurance usually covers fire damage to your home and belongings. If you experience loss from fire, you can expect your policy to help pay for the repair or replacement of your lost or damaged property. 

Few assets are more valuable than a house, and homeowners insurance is designed to protect you and your house in case an unfortunate situation, such as a fire, occurs. According to the National Fire Protection Association, there are about 346,800 residential fires every year. Many result in significant or total destruction of the home.

You should always be prepared, including understanding your homeowner’s insurance policy details and knowing how much protection your policy may provide. 

It’s important to note that your homeowner’s insurance policy may not cover every type of fire damage. For example, if you start a fire at your home by doing something negligent, your policy may not pay for the damage. You need to read your policy in depth and contact your insurance provider to learn what risks your insurance coverage excludes. 

Does Renters Insurance Cover Fire Damage? 

Renters insurance does cover fire damage, but unlike homeowners insurance, it doesn’t cover the physical structure of the building, just your belongings. So, if a fire damages your walls, cabinets, and countertops, you shouldn’t expect your renter’s insurance to cover it. Your landlord is responsible for insuring the unit with a commercial property insurance policy. 

But that doesn’t mean you’re completely clear of any responsibility. If you cause a fire, even through negligence, your landlord might turn to you and seek compensation for the damages. In this situation, you might be able to file a personal liability claim through your renters’ insurance. 

In case you’re wondering, liability insurance covers property damage and bodily injury you cause to someone else. Suppose you unintentionally but negligently start a fire that damages the rental property or injures another individual. In that case, your renter’s insurance policy might be able to help cover the repairs and legal fees. 

Just like homeowners insurance, renters insurance may not cover intentional fire damage.  Otherwise, it’s not likely your policy will pay for any of the damage. 

Does Landlord Insurance Cover Fire Damage? 

It depends. While landlord insurance may cover certain types of unintentional damage caused by tenants, such as accidental fires, it may not cover intentional damages, such as vandalism of the interior or stolen property. It also won’t cover damage from everyday wear and tear. 

That’s why landlords require a security deposit. And although Florida doesn’t require renters insurance, some landlords have this requirement for their tenants. That way, if the tenant is personally responsible for damages, the policy will cover the repairs. 

So, whether fire damage is covered by renters insurance or landlord insurance depends on many factors, including whether the damage was intentional or not. 

What Type of Insurance Protects a Business Against Fire Damage? 

Several types of insurance can protect businesses against fire damage, including commercial property insurance, general liability insurance, and business owner’s property. 

  • Commercial property insurance protects businesses against fire, vandalism, and other damage. It’s typically affordable and provides a good amount of flexibility. For example, you can manage the cost of your premiums by selecting how you prefer to be reimbursed after a loss. 
  • However, you need to bear in mind that fire doesn’t only destroy your property. It can also damage a customer’s or other party’s property or even cause injury, leaving you liable for damages. In the worst-case scenario, it can bring your business to a complete halt – in addition to harming others. That’s why there’s general liability insurance
  • A combination of general liability insurance and commercial property insurance, a business owner’s policy (BOP) is a smart choice for many small businesses because it typically provides coverage at a discount. However, not all businesses qualify for this coverage, and any interested business owners would have to speak with an insurance agent to find out if they’re eligible. 

Pinnacle Claim Services: Naples Public Adjusters You Can Depend On 

Insurance premiums can be extremely pricey. And you might pay even more if your property gets damaged in a fire or other unforeseen event and your insurance company doesn’t fairly compensate you for your fire damage claim. 

Fortunately, Pinnacle Claim Services is here to help you. While you may have only completed a few insurance claims in your lifetime — or none — our certified Naples public adjusters have completed hundreds and possibly thousands. 

Experiencing property loss from a fire can be stressful, but you can rest assured that our experienced public adjusters are strongly committed to improving your wellbeing and will fight to help get you the money you deserve. 

You can benefit from our services at no upfront cost and take advantage of the following services at no charge: 

  • Free policy review
  • Free damage inspection 
  • Free claim evaluation 

To get a free consultation and review, call us at (239) 310-4808 or fill out our contact form. One of our Naples public adjusters will speak with you and help you explore your options.

FREE 3 STEP PROCESS

Living in South Florida, we are no strangers to natural disasters.

LET US PERFORM A FULL REVIEW OF YOUR INSURANCE POLICY TO MAKE SURE YOU HAVE THE CORRECT COVERAGE!

1

Damage Inspection

Damage Inspection

2

Insurance Policy Review

Insurance Policy Review

3

Insurance Claim Review

Insurance Claim Review

General Questions

How can Pinnacle Claim Services, Inc. help me?

When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of 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!

Trust Pinnacle Claim Services, Inc: Your Local Top-Rated, Licensed & Insured Public Adjusters in Naples!

Matida YoungMatida Young
09:10 07 Apr 22
The company done an outstanding job in getting a settlement for me. Without Brad and staff workingDiligently I would of got nothing. Brad PittmanPull the necessary sources to help me which IWill never forget. That is fighting for his clients.I was treated with respect and informed of everyDetailed steps in which I received more than 100%Satisfaction. There is no doubt in my mind I wouldUsed there service again again. And highly recommend my friends.
Denise AdamsDenise Adams
12:23 28 Mar 22
Thanks to Euton and Lori for all the help with my claim. They kept me informed continously check in with me regarding the claim. This company was awesome and I would and have been recommending Pinnacle claims to others. Great job.
Michelle TullochMichelle Tulloch
18:33 24 Mar 22
I would like to say thank you to the outstanding team working at Pinnacle . From start to finish. Special thanks to Linda who held my hand, listened to me getting impatient, stressed and overwhelmed. It was always service with a smile. She followed up with issues involving my claim as she said she would. Had an issue with payout and I was not happy. Brad jumped in and helped to further resolve the issue with the Insurance Company. Pinnacle is about you getting your correct settlement. I will definitely recommend to family and friends. Thank you Pinnacle family. I was truly blessed to have your firm represent me .
Tabitta MichelTabitta Michel
19:35 08 Feb 22
Thank You Linda.I was lost I did not know what to do with the issues I had with my claims with another company. And you took the time to help me find some answer I truly appreciate that. I would recommend my family and friends to the Pinnacle. A friend had referred me he was right.
Marie JacquesMarie Jacques
17:45 18 Aug 21
Everyone was professional.We initially started with Brad whom is very patient and attentive to every word and he extended our expectation. Miss Linda always so kind and respectful, she made sure we understood the process and always communicated every step.
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About Us

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.

Firm License # W806323

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.