How Fire Insurance Adjusters Help with Fire Damage Estimates & Restoration Costs?

When you have a catastrophe occur and you need to file a claim with your insurance company, it is a stressful time. If the incident happened to your business, what will happen to your income while it is shut down? If it happened to your home, where will you live?  Overall, how long will it take to restore normalcy, and how much will it cost?

When you have fire damage your property, there are a number of concerns that may not occur to you right away, such as:

1. Did the damage spread beyond the visible areas?
2. Was more damage caused than your property is worth (or more than your insurance covers)?
3. Will your insurance pay for replacing the items within your home?
4. How much will it all cost?

For these reasons and many more, it is important to have a Fire Insurance Adjustor on your side when you are dealing with your insurance company.  In this article, we will discuss how a fire insurance adjuster can help you.

Your insurance company will send an adjuster to survey the damage. Never forget that this is an individual who works for the insurance company and has their interests, not yours, at the forefront of their consideration.

Damage from a fire isn’t limited to what was destroyed by the flames. When a fire is put out, there is water damage from extinguishing the fire, and smoke and soot can ruin other items in your home. If you have an HVAC system, smoke and soot can spread to entirely unrelated areas of your home through the vents and ducts.

Just because a fire took place in your kitchen doesn’t mean that there is no damage to your living room. Carpets, curtains, drywall, and furniture can all be affected by smoke and soot.  Thus, one of the considerations of the repair cost is treating this secondary damage from a fire.

A “total loss” in a property claim is rather like a total loss on an automobile in the way that either there was too much damage to repair or the total cost of the repair was more than the property was worth.

Your insurance company might pay to repair or rebuild your home, or they may pay out a lump sum in your total loss settlement. One of the things a Fire Insurance Adjuster will take into account when preparing your claim is “loss of use,” or how much it is costing you to make accommodations when your home or business is unusable.

Yes, and no. If there was a total loss to the point where there is nothing left but the foundation, then hopefully you have documented all the items of significant value in your home. Having receipts for large purchases and appraisals for items such as jewelry and art help in submitting your claim, as does having regular videos of the interior of your home showing your possessions.

There is also a difference between replacement value and actual cash value. Most insurance companies will default to actual cash value, which means that they will pay for the cost of your items, minus depreciation. If you bought an expensive TV for a few thousand dollars three years ago, they may only pay you a few hundred dollars.

Replacement value hinges upon you replacing the items you have lost. You buy a new TV, submit the receipts to insurance, and they reimburse you. Fire Insurance Adjusters will help you with this and other parts of your insurance claim.

There is no one solution to the cost of damage from a fire because each one is different. One of the primary things Fire Insurance Adjusters will do is help with the estimates of the damage and how much it will cost to repair so that you get the most out of your plan.

Including cleanup, disposal, and repairs and restoration from water, smoke, and soot damage, the bill adds up quickly. A small fire in a small home may cause $20,000-$50,000 worth of damage. A fire that burns a few rooms in a slightly larger home may be between $30,000-$70,000. A large fire that consumes the majority of a small home, or several rooms in a large house is typically over $75,000 and a total loss is dependent on the amount of coverage in the home insurance policy.

Having a Fire Insurance Adjuster on your side throughout the claim process will maximize your benefit after a catastrophic loss.

Elevate Your Claim Resolution with Continental Public Adjusters

Continental Public Adjusters is your go-to solution for property claims across the diverse landscape of Florida. With a wealth of experience, our dedicated team is here to help you maximize your insurance policy benefits.

Whether you're facing a new property claim or the frustrating scenario of a denied, delayed, or underpaid claim, an experienced public adjuster is your key to success.

Here are five compelling reasons why choosing Continental Public Adjusters is a wise decision:

• Your Fierce Advocate: Our unwavering commitment is to secure the highest compensation possible for your loss.
• Thorough Analysis: We leave no stone unturned in our investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
• Precise Estimation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
• Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
• Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can foresee potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.
  
  

Start your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your reliable partner.

Reach out to us today at (800) 989-4769 or email at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.