Unfortunately because fire losses can be so large, insurance companies try to minimize your damages by paying for partial repair when full replacement Is necessary.
Fire damages often result in some of the most difficult damages to repair and replace once the cleanup begins. Even when the fire’s blaze is contained before it can burn everything in its path, smoke damage will pick up where the flames left off. Then, the water or chemicals used to contain the fire and prevent it from spreading cause a third tier of destruction that can require lengthy and expensive cleanup services before the home or business owner can return to the property.
Fires occur suddenly and usually create havoc for the homeowner as they more than likely have to move out. Living expenses can start to pile up quickly. Cause origin investigations can sometimes drag on for weeks before the insurance company agrees to pay your claim.
With fire claims you have to act fast and jump on them to make sure you’re getting the appropriate amount for your loss.
Hiring your own experts is key to advocating for yourself. Insurance companies like to slash through estimates and only pay for what for bare-bones repairs. You are entitled to like kind and quality replacement including matching areas. Don’t accept anything less!
Smoke can infest beams behind the walls, insulation and other areas of the house that are not readily visible. The smell of smoke can permeate absolutely all surfaces in the home and all items in the home including clothes and furniture. Insurance companies will refuse to offer replacement for these items and insist that items can be cleaned, washed or dry ice blasted.
Be sure to protect the integrity of your home and potential resale value down the road by insisting that trusses be inspected by licensed engineers, and that all smoke damage be replaced and taken care of in the appropriate manner.
The Ross legal group represents homeowners and businesses who have been affected by fire to ensure all repairs are afforded to you to ensure full indemnity of your loss.
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We have fought for policyholder interests against hundreds of large insurance companies including these: