Category Archives: Fire Claims

Public Adjusters recover house and business fire claims for their clients, not the insurance company.

Public adjusters help you get a fair settlement for your fire claim

Fire brings devastating damages to a property. Many times a house affected by fire is completely destroyed. Dealing with your insurance company and filing the claim properly to assure the best settlement is not an easy feat. Insurance companies are for profit business, and will try to do everything to send you a smaller check. Here are a few tips to help you recuperate your losses:

  1. Don’t rely on the claim adjuster the insurance company sends you – the right solution is to hire a public adjuster. Fire damages are difficult to assess. There could be structural damages that are hidden at a first look, and the claim adjuster send by the insurance company doesn’t have any interest in bringing those damages up. You need an independent professional to evaluate the real damages – a public adjuster is the best solution.
  2. Start making your own damage assessment. No one knows better the value of your property and all the items inside, like furniture, appliances, art objects, clothes and others, than you do. So, try to estimate yourself how much you lost in the fire. This way, the public adjuster you hired and the claim adjuster send by the insurance company will have a reference point for your fire claim. If the fire claim settlement the insurance company proposes is much smaller than your estimate, you don’t have to agree to that. Ask your public adjuster to go ahead with the paper work and to contest the insurance company’s damage assessment.
  3. All the evidence you can get about the value of your property and goods are very important – if your pictures and receipts were destroyed in the fire, ask friends and relatives to give you all the pictures they have to document your property. You should also ask for copies of receipts to the vendors, at least for your most important assets that were destroyed in the fire. This evidence will help your public adjuster substantiate your fire losses in the claims process.
  4. Don’t let the insurance company tell you that the period of time when you had the right to file the fire claim expired – that’s not true, in most states you have three years to file a fire claim. Also, you should know that even if the insurance company already paid your fire claim, if you are not satisfied with the settlement, you could still hire a public adjuster. A review of the initial settlement is possible even after the policy owner cashed the fire claim check. If you feel that the insurance company did not properly reimbursed you for your damages , you can hire a public adjuster to review and contest the settlement.
  5. In case of a fire claim, the insurance company has to pay you enough money to allow you to bring your property to the original state – the one before the fire. Don’t settle for anything less.

    Hiring a public adjuster will increase your chances of a timely and fair settlement for you fire loss.

Why hire a public adjuster?

If your property was damaged, you have a lot of things to deal with. Suppose your house was damaged in a fire. You may need to find a temporary place to live, to get clothes and other necessities for your family, and many other things. Or, even worse, maybe a family member was hurt: you will spend time at the hospital, worried and sad. At times like this, you hope dealing with your insurance company will be an easy and expeditious process.

But filing a claim takes time and energy, especially if you don’t have a record or receipts of your possessions and their value.  Also, you may find out, that the amount the insurance is paying is much less then what it takes for you to rebuild your home and replace its furnishings.  Moreover, to your frustration, you may find the check delayed, and your family’s dream of getting back to normal, postponed.

At times like this, working with a public adjuster can be a god send.  Besides assuming the responsibilities of getting your claim filled and processed, the adjuster will have all the necessary expertise to assure you are not getting the short end of the stick, while also keeping on top of things for a timely payout.

But hiring an adjuster is not as easy as it may seem.  You want to hire a leading public adjuster, not just because you want your claim processed timely and efficiently, but also because your insurance may be antagonistic to someone inexperienced, who exaggerates the claims and doesn’t have the experience, thus making the whole process harder instead of easier, for everyone involved.

We made the process on how to hire an public adjuster easier for you.  By choosing an adjuster from our leading public adjusters directory, you know you are working with competent, experienced and qualified public adjusters, that will do their best to help you and your family get a fair and timely settlement.

Foolproof your property against claim denials from your insurance company

Ideally, before your home or business is damaged, you have had the chance to properly document the condition of your property. Most commonly, when insurance companies deny a claim, it is because the home or business owners failed to maintain accurate records to prove the condition of their property before the storm. For example, if you have installed a new roof 5 year ago that was guaranteed for 30 years, you will need to prove that your roof was in excellent condition and show proper documentation about its warrantee, or your insurance company depreciate the roof a lot more, as if it had a 10 years warranty and was in poor condition. In many cases, the insurance companies will reply with a claim denial for reasons like “pre-existing condition” or “failure to maintain”. What this means, is that they ‘believe’ your property was damaged before the event. The best way to avoid these scenarios is by thoroughly documenting the condition of your property ahead of time.

Most insurance companies will encourage you to take a home inventory. It is of course an excellent idea. It is easy enough to do, and will save a lot of hassle later on. However, they don’t really explain how to properly document the condition of the most expensive items in your home or business, like your windows and doors, your roof, kitchens and bathrooms, etc. Make sure you save recipes from any upgrades in a safe place. And take lots and lots of pictures.

Also, if your losses were substantial, don’t hesitate to talk to a professional loss consultant to avoid an insurance claim denial. Find a leading private property adjuster in our directory, and let them help you get the settlement you deserve.

Public Adjusters handle claims other than Fire?

Yes, Public Adjusters are licensed to handle all types of property loss claims against your insurance company, as well as any contingent expenses, like loss of use, business loss of income, and other expenses. A good Public Adjuster is an expert in all types of loss, including windstorm, explosion, snow, hail, smoke, water damage, damage to structures by motor vehicles, inland marine, business interruption, rentals, improvements and betterments, commission and profits, reporting forms and others.

Hire a leading Public Adjuster immediately

When hiring a leading Public Adjuster immediately after a loss, they can advise and assist you each step of the way, avoiding all the possible pitfalls. All policies require that you report the loss as soon as possible to the insurance company and take steps to preserve property from further damage, including theft. Failure to comply with these obligations may limit or completely void your coverage. A Leading Public Adjuster will help you do that and much more, helping you recover the maximum amount you are entitled to.