Why You Need an Adjuster to Help When You Experience Fire & Smoke Damage
For most commercial property owners and homeowners, fire damage is not something one thinks is going to happen to them. To quote NFPA (National Fire Protection Association) Research for the statistics:
“United States fire departments responded to an estimated 1,318,500 fires in 2018. These fires resulted in 3,655 civilian fire fatalities; 15,200 civilian fire injuries; and an estimated $25.6 billion in direct property loss (this figure includes $12.4 billion in losses from major California wildfires). On average, there was a civilian fire death every 2 hours and 24 minutes and a civilian fire injury every 35 minutes in 2018. Home fires caused 2,720, or 74 percent, of the civilian fire deaths. Fires accounted for four percent of the 36,746,500 total calls. Eight percent of the calls were false alarms; 64 percent of the calls were for medical aid such as emergency medical services (EMS) or rescues.”
The fire adjusters at Adjusterman will apply our years of practical, real-world adjusting experience to professionally navigate and negotiate throughout the whole fire insurance claim process. We will not rest until you get your fire claim paid for in an honest and fair manner. Getting a public adjuster as early as possible in the fair claims process is extremely important, as doing so helps prevent mistakes with restoration contractors and the insurance company that could lead to you getting unfair or dishonest treatment, and having nothing you can do about it. Don’t believe us? Read what Consumer Reports has to say about the importance of getting a public adjuster when you file your fire insurance claim.
What To Do After Smoke or Fire Damage
The first step after fire-related damage is to make sure that everyone is safe and the fire department is putting out the fire. After that, you will want to get in touch with your insurance company, who will then assess the damage and eventually provide an estimate for damages.
What you end up getting paid depends on the type of coverage you have. “Replacement cost” coverage will most likely cover the cost of replacing your home and repairs, and “actual cash value” coverage will pay you the cost of your home and damaged items inside. To make sure this whole process goes smoothly, however, it’s usually a good idea to get a second opinion to the insurance company’s adjuster, as they sometimes may provide an estimate that is significantly less than what your building and assets are worth. In such instances, call Adjusterman to get a more partial adjustment for your building. You may find out you are owed significantly more than the original estimate suggested.
To make sure you get what you are deserved, follow these tips:
- Document all losses
- Hire a public adjuster
- Show your adjuster all damages
- Document all contact you have with your insurance company
- Make copies of every document, no matter how seemingly insignificant
- Verify what your policy covers
- Review your insurance policy
What a Public Adjuster Can Do for You
When you are looking at your damaged building and are wondering how you are going to pay for repairs or replacement, don’t settle for less than you’re entitled to. A public adjuster is particularly helpful when you have a large claim, as the final adjustment may be dramatically greater than what the insurance agency’s adjuster estimated it would be. Studies show that people who work with public adjusters can get over four times as much money out of their claims than people who try doing it themselves.
Adjusters do more than just file your claim for you — we also:
- Take a record of all the damages to your building and other property and belongings
- Closely examine what is covered by your insurance policy
- Negotiate with the insurance company for better results
- Produce an accurate estimate for what replacing your belongings will cost
- Compile all the necessary documents, photographs, etc. in preparing your fire insurance claim
- Renegotiate when there are discrepancies in their estimates
Don’t let the stress of negotiating with the insurance company on your own get you down. Hire a public adjuster with a reputation for honesty and reliability to make sure you get the best possible outcome when it comes to your fire insurance claim.
Adjusterman will provide you with advice and help manage and submit your claim to the insurance carrier for you, so you can focus on the things that really matter: the safety and security of your family or employees. Adjusterman will work hard to ensure you get the full and fair results you deserve. Fire insurance claims can be complicated and challenging. If you are in Florida, contact Adjusterman today and schedule your free claim evaluation today!