When you purchase your home and become a homeowner, you hope that nothing will happen and you try to protect your family as best as possible. Many of us have heard of people dealing with storm damage but never thought that you would be the one telling the story. The truth is, as homeowners anything can happen to your home at any time!
Out of all the types of damages there are, filing a fire and smoke claim in Florida is one of the most challenging. There is so much damage that can incur and so many items that need to get accounted for. Not only that but the paperwork and the communication between you and the insurance company can be exhausting. Believe it or not, there are a few things you can do to make your fire damage claim process a little easier, we’ve listed a few tips below!
Collect Evidence! You’ll Need Proof!
After a fire in your home, it can be hard having to go back and look at all the damages, but you’ll have to. In order for your claim to be handled properly, you’ll need to show proof that your home has been damaged by fire. Nine times of ten, items in the home were damaged and you’ll need to document this as well. It’s important to keep in mind that fire and smoke can cause many issues throughout the home, so you’ll want to make sure it’s safe to enter. Once everyone has been confirmed safe and out of harm’s way by the fire and medical professionals, you’ll want to get to work. Anything you think might be helpful to note, write it down, your public adjuster will be able to determine what will be useful for the insurance company.
Determine What is Lost
Though it can be hard to determine, and depending on the extent of the fire, the damages may be big or small. If the fire has ruined everything then your public adjuster will help you determine the best way to go about determining a way to include everything. However, you’ll want to scan your home to see what items can be salvaged and items are completely lost. It’s important to note that even if an item seems okay, there may still be some contamination. Damages caused by fire and smoke can often affect HVAC systems, and walls so it’s important to be super vigilant.
Track Your Expenses
Once fire damage occurs and you find yourself in recovery mode, you’ll want to start tracking what you spend and what you spend it on. Expenses that go towards the damages caused by the fire or smoke may be included in your insurance policy. For example, if the damages are significant enough to your home and you have to temporarily relocate, these living expenses may be covered by the insurance company. It may seem like a tedious task, but when it’s time to contact your public adjuster, you’ll have a surplus of useful details and notes.
Find a Public Adjuster that You Can Trust
Last but certainly not least, you’ll want to make sure you contact the public adjusters here at Tri-County Public Adjusters. Once you’ve collected your proof, determined your losses, and began to track your expenses you have exactly what you need to help us help you! Being in a situation where a fire has damaged a portion of your home is stressful. You are going to go through a wave of emotions and it’s important to make sure you have an expert on your side that you can trust! Our team of adjusters has years of experience with fire damage claims and we know what it takes to get results with insurance companies. Don’t handle this claim alone and don’t leave it hands of the inexperienced.
We’re Ready to Help!
If you need more information about how a public adjuster can assist you with your fire and smoke claim in Florida, check out our website. The Tri-County Public Adjuster team can help you with any aspect of the insurance claim process. Our team is trained in insurance policy reading and are meticulous when it comes to the claim. Whatever you need assistance with, we can help. To get a free claim assessment, reach out to us today at (786) 367-2432. Dealing with a fire is hard, but with extra help, the situation will be easier to handle.