Fire Damage Restoration Claims

Confronting a fire incident, including the need for fire damage restoration, is undeniably one of the most distressing encounters an individual can undergo. Regardless of the preventive measures we adopt, it remains an unforeseen and terrifying event that catches us off guard.

Outlined here are merely a handful of the commitments your insurance provider is bound to honor in accordance with your insurance agreement. It is their duty to restore your circumstances completely, not just partially, back to the state it was prior to the fire – an exact reinstatement, not a mere approximation.

Even in the case of a lightly scorched kitchen, where only a small section of the cabinet bears damage from a stovetop fire, you satisfy the stipulations of your insurance policy for filing a claim and ultimately having your kitchen restored through fire restoration. The premium charges detailed in your policy explicitly outline various categories of losses. Investing in insurance coverage ensures that you, as the policyholder, are positioned to have your damages reinstated and your home returned to its pre-loss state.

It’s important to keep in mind that even if a fire arises from incidents like forgotten French fries on the stove, a child accidentally tipping over a candle, or holiday lights causing an electrical fire, these events are all considered acts of nature (often referred to as “acts of God”), and no one is held accountable.

At CARE Public Adjusters, we stand ready to assist you in navigating interactions with your insurance provider and their representatives, aiding in the meticulous documentation of your personal belongings, arranging alternate accommodations if necessary, and facilitating the process of fire restoration.

Our commitment to helping you stems from the unique and sensitive requirements that arise for victims of fire claims.

Given that fires produce dense, black smoke that can rapidly spread from one room to another within moments, the paramount directive is to promptly alert everyone in the household to evacuate. While your insurance carrier can replace your home and possessions, it’s crucial to recognize that no amount of compensation or material items can replace the loss of a loved one due to injury or fatality.

Reasons insurance companies deny fire claims:

• Insufficient evidence to support payments
• Unpaid policy premiums
• The property is underinsured
• Lack of documentation provided
• Improper Plumbing
• Arson (intentionally set fire)
• Fraud or Illegal activity
• Unpermitted work to the property
• Damage values have been inflated
• Not taking preventative measures
• Policy exclusions limit coverage

During this critical period, CARE Public Adjusters will stand as your advocate, representing your interests as a homeowner. We are dedicated to ensuring that your insurance provider remains attuned to your unique requirements. Our assistance encompasses facilitating a temporary relocation to an alternative residence, securing your property in its current state, expediting the arrival of an insurance representative to assess the extent of damage, and initiating the claims process promptly. Our ultimate objective is to hasten your return to your home as swiftly as possible.