What to Look for When Making A Fire Claim
Dealing with a house fire is an extremely traumatic experience, which is why you need a public insurance claim advocate to help you with fire claims. Whether your entire home was destroyed or you’re dealing with partial damage, it’s crucial to understand how fire claims work. If the fire didn’t completely damage your home, this is known as a “partial loss” since only a portion of the home is destroyed. Some of the things covered under these types of claims include hidden damage like water leaks, smoke, ash, mold, and air quality problems. Make sure you document everything after a house fire and take plenty of photographs showing the damage since you may need this to substantiate your insurance claim. An insurance claim advocate can help you through the process and make sure that you receive the right amount of compensation from your insurance company.
In addition to the insurance adjuster’s inspection, you’ll need to use a licensed inspector to make fire damage claims. This inspector will look at all of the major components of your home to verify which areas have been damaged, and which ones need repair. The roof will be inspected to look for burning embers and determine the scope of the damage. The inspector will also take a closer look at the siding, stucco, or concrete to look for cracks, melting, and other forms of fire-related damage. Window frames can melt or become discolored after a fire. Make sure the inspector looks at every window and door to determine whether or not it needs to be replaced. Examine the plumbing and HVAC in your home to confirm there is no damage. All ductwork should be checked as well as pipes and your HVAC unit. Most importantly, the inspector will check the framing and interior walls of your home. With the right information, you can process fire claims quickly so you can go back to a normal life.