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Insurance Claim for Fire Damage

How to deal with an insurance adjuster after a house fire?

 

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How to Deal with an Insurance Adjuster After a House Fire?

File Your Claim Promptly
Your insurance policy requires you to report the loss “as soon as reasonably possible”.  You can obtain your claim number by calling your agent or your insurance company claims department.  If you delay notifying your insurance company, you may jeopardize your claim.

Request an Advance

You can request an advance against your insurance claim. Typically this is paid against the “Personal Property or Contents Coverage”. You were most likely forced to relocate and this advance will assist in paying for basic necessities.

Save the Receipts
Save receipts or use an electronic payment method to document all of your extra expenses.

Do Not Agree
Always avoid a conflict of interest!  Don’t agree to use repair or mitigation contractors your insurance company adjuster recommends.  You’re not required to use them. Insurance company referred contractors have an alliance not have your best interest.  They will always protect their insurance company relationship to secure future work.

Your Responsibilities After a House Fire

Secure Your Property
All insurance policies require you to take reasonable steps to minimize additional damage to your property.  This means that it is “your duty to mitigate damages”.  In other words, to the best of your ability, “do what it takes to keep the damage from getting worse”.  Example:  have a contractor board up windows and put a tarp on the roof.  Your insurance company will pay these costs when you make your claim. Other steps you might need to take to mitigate damages include the following…

Remove Personal Items
Be sure to get your money, jewelry, firearms etc…

Board up & Fence Up
To prevent vandalism, have a temporary chain-link fence installed around the property.  Board up the windows of your home or building to keep vandals out.

Pay Attention
Keep a close eye on your property.  Let the police department know that you would like them to drive by on occasion to make sure the vandals haven’t entered the home to steal personal property items.

Document Everything
Keep good notes!  Every time you communicate with your insurance agent or adjuster about your insurance claim, policy coverage etc…

Take Charge of the Fire Insurance Claim Process

Hire Your Own Insurance Adjuster
Fires are always overwhelming and will turn your life upside down.  This type of catastrophe will affect your job or business, your children…YOUR LIFE!  WE offer you an alternative to an unfavorable insurance claim experience.  We will keep your life on track.

Personal Property
Start preparing an inventory list of damaged personal property listing the the name of the item, quantity, manufacturer, age, and Replacement Cost Value (RCV) of all items.

Gather up Receipts
Start organizing, receipts, credit card records etc… to validate the information provided on the personal property spreadsheet.  This is imperative so that you will receive the proper settlement that you are owed.

*Keep Control
This is imperative!  This has to be managed!!!
Do not allow a restoration company to enter your home like tasmanian devils and start boxing up personal property items to take to their storage facility.  All items must be photographed and an inventory list has to be established.  The items also must be coded and properly documented.  Determination should also be made as to which items can be salvaged (cleaned) or non-salvageable items (discarded and replaced). This will be a big point of controversy without professional representation.

Your Fire Insurance Claim Must Be Protected

Fire and smoke damage is one of the most common causes of property damage, resulting in serious problems for homeowners, businesses and commercial property owners. In addition to damage from fire and smoke, there may also be problems related to the process of putting out the fire, such as water or chemicals inside the building, and potential damage to the building’s structure, electrical and heating-cooling systems.

Regardless of the cause of a fire (explosion/gas leak, lightning, electrical, grease, etc.), an owner needs to make quick decisions while still under a great deal of stress and confusion. Who should we to call? Where do we stay tonight? Which belongings escaped unharmed? What exactly did we have in the building? How can we start the clean-up process?

Abba Claims Consultants Public Adjusters are there to help you put your insurance to work for you. We have the experience and the knowledge to answer your immediate questions and help you through the complicated claims process. One of the first things we do is to evaluate all of the fire, smoke and water damage and take a good hard look at your policy.  Determining the “scope of loss” and analyzing your policy will help us best determine the best way to move forward with your claim to get you the maximum possible settlement.

When we evaluate fire damage, we look carefully at all the smoke damage related to the fire, including soot, raw heat and of course, all of the water or other extinguishing materials. You should be paid in full for all of the damage, not just part of it.  If your residence or business is not livable or workable, you may need to find new quarters while the damage is repaired.

Many people don’t realize that “additional living expenses” or “loss of use” like hotel accommodations, restaurant meals and dry cleaning can all be claimed and covered. We’ll help you sort out those issues, so you can get back to living your life.

The question of “repair or replace” comes up frequently after a fire.  Please be cautious if you are approached by “restoration” companies. They may try to get you to authorize unnecessary work, or ask you to sign an authorization form that will allow them to bill your insurance company directly. Before agreeing, think through your options and ask yourself: Do I want to give someone else the right to collect directly from my insurance company… especially for work that may not be needed?

Hopefully you will never find yourself staring at the fire damaged remnants of your home or business, but if you do, count on Abbas Fire Insurance Claims Adjusters to assist you in finding the experts who can help you get your property back to its pre-loss condition.

If you live in a multi-unit building and one of the other units is damaged by fire, you should call us. Your residence may have suffered damage from soot, smoke or heat that may not be apparent. Find out for sure whether or not you have a claim worth filing by calling us for a complimentary, no-obligation property evaluation.

WE HANDLE ALL TYPES OF PROPERTY DAMAGE INSURANCE CLAIMS
Licensed Texas & Florida Public Insurance Adjusters
Private Insurance Claim Consultants


Commercial Claims


Residential Claims

WHO WE’VE HELPED

Residential Fire Claim
Without the help of Ches Bostick and Abba Claims our insurance claims, from losing our house and all our belongings to a fire, would not have been properly paid by our insurance company. Ches made us feel important and valued. His customer service was excellent. – Sara Nevill

Commercial Hail Claim
Abba Claims took our claim from “no damage” according to our insurance company, to obtaining an insurance settlement of over $480,000.00. We would not be able to get a proper settlement and make the much-needed repairs without the impressive and effective assistance and guidance of Abba Claims Consultants. – Betty Reichel

Commercial Hail Claim
It is with much enthusiasm and great appreciation that I am writing to recommend the services of Abba Claims Consultants, LLC.  Our Association was able to successfully settle our claim.  Our amazing outcome is a result of the professional assistance and guidance we received from Abba Claims.  In addition, our success is due to the excellent detail and preparation of our claim.  From start to finish, Abba Claims was our trusted consultant, gave us updates, assisted in vetting vendors and met with the myself and the Board of Directors as needed.  Abba Claims has our trust and proved their commitment. For this reason, I am happy to recommend their services.  On any other claims, Abba Claims Consultants, LLC will be my first call. – Tara Lee Jolley, Sr. Manager, Oberg Properties, Guest Quarters of Academy Place

Residential Hail Claim
We experienced a terrible hail storm that caused major damage to our home. Our insurance company fought us at every turn until we finally got smart and hired ABBA. Ches, Darik and Malerie worked tirelessly to help us through a VERY difficult time. We are very grateful for their help and consider them family after all they have done. – Daniel Miller

WHY CHOOSE ABBA CLAIMS

We provide Public Adjusting Services to homeowners & business owners across the States of Texas, Florida, Oklahoma, Colorado, Georgia, South Carolina & North Carolina.

Ches Bostick Texas Public Insurance Adjuster License #1400001
Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555

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