These are some of the most frequent questions we get asked on multiple occasions that we feel may help you. If you have additional questions or don't see your questions, don't hesitate to reach out to us!
Lost time and money could be potential downfalls of handling your claim. Most people suffer an insured loss or maybe two in a lifetime. As such, they lack the experience to navigate the inherent complexities of a fire claim. Inaccurately estimating the full scope to repair will result in delays, a lower settlement and even a possible denial from the carrier. An experienced claims specialist knows how to navigate the fire claim process in ways that maximize the settlement and minimize the claim process.
A public adjuster is a professional claims handler and claim adjuster who advocates for the policyholder in appraising and negotiating a claimant’s fire insurance claim. State government agencies issue these respective licenses. Their licenses only permit them to assist policyholders, not insurance companies.
The typical homeowner's policy covers damage due to wind, fire and lightning. So if your home has been completely destroyed by a fire or if the roof has been burned, your insurance company will pay to have your home rebuilt or to have the roof replaced. It will also pay if flames and smoke have damaged any other part of your home. However, it's important to verify your policy limits of coverage to rebuild your house now versus what you could have if you established the policy many years ago and never up your limits.
In addition to paying for damage to the dwelling, homeowners' policies cover other structures on the premises, such as a garage or tool shed, as well as damage to your furniture, clothes, appliances, and other personal possessions up to the limits of your policy. Please ask your adjuster or agent for your policy limits.
Your insurance company might cover your housing expenses, depending on your plan. These "additional living expense coverage" or "loss of use coverage" options will pay for similar housing while repairs are being made to your home or if you permanently relocate. Typically, you need to seek reimbursement for expenses incurred. Also keep in mind that payments do not cover lost wages or earnings unless your property is a rental, in this case, refer to your adjuster or agent for policy limits.
Yes. In many cases, a police report is required when reporting a claim. In most case,s the fire department will file a report with the Fire Marshal's Office if they suspect foul play or an unknown reason that may have caused the fire.
A homeowner should not throw things away until an insurance company representative has been able to assess the damage and make a claim report. You throwing away items before the insurance has a chance to investigate, opens you to a potential void claim. Let us discard your items once it has been cleared to do so by your adjuster.
If you have comprehensive insurance, your vehicle will be covered for damage or destruction. Refer to your adjuster or agent.