A house fire is one of the most traumatic events you can experience as a homeowner. When shelter and the livelihood of your family are at stake, our team of public adjusters is there to lift the burden and work on your behalf to get you the most beneficial claim settlement to get your life back together.
As you consider how to deal with an insurance adjuster after a house fire, a call to our team of professional public adjusters can be life-changing.
Pieces of your life have just been lost in a blaze. Your family is without a home. What does your homeowners insurance policy cover? Do you know where to start? How will you know for sure you will get enough to provide for your family? Whether it is partial or extensive fire damage, the time and stress in dealing with your insurance company can take you away from focusing on your family’s immediate safety and well-being. We are there when you need it the most.
We are your trusted advocates and resource in the insurance claims process. We thoroughly document the damage to your home and its contents. We identify the hidden damages that may cause later problems, which may have been missed by your insurance company’s adjuster. We provide a full proof of loss to help maximize the amount you are entitled to recover from your claim. And we negotiate that claim on your behalf to ensure just that.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
How can I minimize the emotional toll on my family?
How large of an advance should I expect?
What is a “scope of loss?”
How can the adjuster represent both me and the insurance company?
Can my agent really help me with preparing my claim?
Why is a claim strategy so important?
Understand all of the stake players (board up contractor, contents remediation company, insurance agent, insurance adjuster, public adjuster) and their respective interests. Get educated.
Successful evaluation of damages hinges upon a well-coordinated effort between estimators, inventory specialists, and consultants. Do you have the right experts lined up? Should you only rely the insurance company’s cadre of experts?
Can smoke damage be cleaned completely from soft goods? Hard goods? Structural elements?
What if someone in my family has severe allergies or compromised health?
What about mold caused by the water damage? Is that damage covered?
What if I incur costs to dry everything out to prevent mold, are those costs covered?
What is pressurized smoke?
What is the difference between letting the cleaning company remove the contents to estimate the damage and hold them versus removing and cleaning them? Should I let the cleaning company take and clean everything?
Can the contract for emergency board up authorize the contractor to do more work than I need done immediately?
How long am I really going to be out of my house?
Do I have to use my advance to buy furniture for the rental home? Why can’t I just rent the stuff?
How much of my time will this take?
Property Damage Losses Homeowners Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
I want you to know that I’m a typical American home-owner, never had a loss in over 50 years of premium paying, and what a terrific blessing it was to hook up with your organization! Helpless in despair, really not thinking clearly, AIPNW came my way and I resisted contracting with your firm for a time, believing I could go “head to head” with a huge insurance cartel…silly, unarmed guy! Please, use my recommendation to encourage the haughty to consider how truly “David versus Goliath” the claim settlement process is. In such possibly nasty negotiations, the endless cataloguing of every item I owned, how could I have thought I could do it better than you people who take a modest slice to accomplish so much for the ill-equipped?
In the months that followed, it became clear that you are indeed knowledgeable about insurance processes. In addition, you have a keen sense of strategy, and highly effective people skills. You patiently shared your strengths with us and for that we are deeply grateful. We’ve often commented to friends, “When we have our taxes done, we hire a professional”. Now we are in a situation that we have never before experienced, so we are hiring a professional to guide us in our claim… Beyond your expertise, you gave us your friendship. You were always there for us, let us in a window of your own family life and “held our hands” when that was that was most needed.
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