Florida 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 Florida 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 (866) 508-5084 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: Florida 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 Florida 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 (866) 508-5084 or fill out our contact form. One of our Florida public adjusters will speak with you and help you explore your options.