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Getting the Maximum

Getting the Maximum

One of the most common forms of property damage these days is fire, which causes a lot of different sorts of loss – besides the fire itself there will be smoke damage and probably water and chemical damage to your belongings.  Whatever the damage, it can be a very stressful process trying to keep and store what wasn’t harmed and to file an insurance claim that gets you the money settlement back that will replace what has been lost.  The following is a short list of what to do if a fire rages through your home or business:

  1. Make a list of everything you had before the fire and try to figure out how much each damaged item would cost to replace.  It’s good to have your own estimate before filing a claim.
  2. When filing fire insurance claims, look into hiring a fire claim adjuster.  Fire claim adjusters are professionals at working with your insurance company in getting back the money you need to get back on your feet.
  3. Keep receipts for your additional living expenses.  After a home fire, you will typically have to pay for dry cleaning, hotel living costs and restaurant eating.  These are things that people typically don’t include in their claim, but they should be taken into account – they can be expensive and they can be claimed.
  4. Don’t sign up with a “restoration” company who promises to deal with your insurance company for you.  It should be you and your public adjuster and not some restoration company working as a go-between when dealing with your insurance company.
  5. Don’t give up hope.  At first it might seem like you’ll never get your life back together, but the truth is that if handled with some of the steps above, you will soon be back in your restored home or business.  Some people say that they used family counseling services to help them deal with the emotional losses that don’t show up on a claim sheet.  Do whatever you need to keep your chin up.

I know that is a brief list (your public adjuster can help you come up with many more important steps) but hopefully this will help some.  Thanks for reading and let’s hope that you never have to think about the above steps because fire never touches your life. 

If you have any questions or comments about this, feel free to add those to the bottom of this blog.  Thanks in advance for whatever advice you can add.  We all need each other in times of crisis.