Fire Damage Insurance Claim

Fire Damage Claims

Fire claims are particularly complex for the insured, and usually expensive for the insurance companies

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Tips for Your Fire Insurance Claim Settlement:

Insurance companies dealing with a fire insurance claim frequently use tactics to delay settlements or deny a fire insurance claim altogether. Follow these steps to ensure that your claim progresses in the most effective way possible:

Request a certified copy of your insurance policy and copy of the fire report immediately
Compile your own detailed inventory of personal property
Control all of your personal property and do not allow a restoration company to remove your property for either restoration or disposal until you know all of your rights and options
Obtain independent damage estimates to determine the true cost of rebuilding your property
Document every point of contact with your insurance company adjuster
Wait to start the rebuilding process until you know all of your rights and options for settlement
Use caution when submitting any information to the insurance adjuster, including any documentation that could waive your rights or jeopardize your claim
Demand an explanation if your claim has not been settled within 60 days of filing
Seek to uncover any and all benefits afforded by your insurance policy. An experienced public adjuster can help immensely in this process, potentially uncovering up to an extra 35 percent above your policy limit.

Qualified Fire Damage Representatives

As insurance claim professionals since 2011, Master Adjusters & Consultants has reviewed thousands of claims and have found that both insurance adjusters, policyholders, and contractors have unknowingly and will often miss hidden damages caused by fire. The fact is that in almost all instances, it is better to have a qualified, fire damage representative review your fire damage claims. Consider speaking with (and using!) a qualified fire damage claim expert who will be looking out for your best interests. After all, it’s free to simply speak with someone to get a feel for where you stand.

It’s critical that you avoid:

Missing important deadlines, not understanding the terms of your insurance policy, making errors when completing the forms, or relying just on the appraisal put forth by your insurance company, may result in a smaller settlement, even a denied claim.

Work with a public claim adjuster from the start:

to help discover and thoroughly appraise all the fire losses,
file the insurance claim properly and on time,
and negotiate with the insurance company.

You will secure the best chances for a successful fire claim settlement.

It will also leave you more time to deal with the other important aspects of your situation post-fire, and bring relief and peace of mind, knowing your claim is handled by qualified professionals.

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