Fire Insurance Adjusters: Estimating Fire Damage & Restoration Costs
Fire damage insurance claims are complicated. They’re also costly.
A small mistake on your claim could lead to denial or reduced payment. That can mean less money than what is needed to make adequate repairs after a fire.
Remember: insurance is a for-profit business and not a charity. An insurance company’s goal is to pay as little as legally possible for a fire insurance claim. Insurers often look for any excuse to reduce fire damage estimates and claim settlement payments.
You can avoid all this hassle by hiring a ClaimsMate public adjuster.
How ClaimsMate’s Fire Insurance Adjusters Help
A ClaimsMate fire insurance adjuster works on behalf of you, the policyholder. Your public adjuster represents your best interests against the interests of the insurance company.
Your insurance company has its own adjuster. Your insurance company’s adjuster has a different goal. Your insurance company’s adjuster is a salaried employee of your insurance company, or works as an independent adjuster on their behalf. Typically, that adjuster’s goal is to minimize payment or even deny your claim entirely, generating more money for your insurer.
By hiring your own public adjuster, you can fight back against greedy insurance companies.
ClaimsMate fire claims adjusters have firsthand experience dealing with fire damage insurance claims. Our public adjusters have combined decades of experience in estimating fire damage costs and securing higher compensation for clients.
Here’s how a fire insurance adjuster helps:
- Expert Fire Damage Claims Assistance from Start to Finish: Most property owners have limited experience with fire damage insurance claims. They don’t know how claims work – and that’s okay! Unfortunately, insurance companies take advantage and may try to trick you. When you hire a ClaimsMate public adjuster, you get expert assistance on your side.
- Avoid Common Pitfalls: A single error can throw your fire insurance claim into chaos. More serious errors can cause your claim to be reduced or denied. Our public adjusters know the tactics insurance companies use – and they help clients avoid these tricks.
- Maximize Payout: A good public adjuster can raise insurance payout 270% above the initial offer from your insurance company. That means more money in your pocket when you need it most.
- Hassle-free Claims: Fire damage insurance claims are stressful. You may need to move out of your house. You might have limited experience dealing with insurance claims. A ClaimsMate public adjuster takes away this stress.
- Competitive & Transparent Fees: We disclose all fees upfront. Like other public adjusters, ClaimsMate charges a flat percentage rate of your final payout.
- Only Pay If Successful: You only pay the public adjuster once you accept your final insurance payout. Until you accept that payout, you don’t pay your adjuster.
Read more about how experienced fire insurance adjusters help with inspecting and estimating damages after a fire.
Fire Insurance Claim Examples
Some of the sample situations where ClaimsMate public adjusters can help include:
- Commercial Fire Damage Insurance Claims: Fire damage can devastate a business or commercial property, causing extensive damage to the property, inventory, and equipment. You buy business insurance to cover fire damage. A ClaimsMate public adjuster fights hard to protect your business.
- Total Loss Insurance Claims: If your fire damage exceeds the value of your policy, or if the cost of repairing your home exceeds its value, then you have a total loss insurance claim. Public adjusters can fight to ensure everything is covered under your insurance policy, working hard to ensure clients receive every penny owed.
- House Fire Damage Claims: Secure higher compensation and maximize insurance payouts with house fire damage claim help from ClaimsMate.
- Claims Over $10,000: Public adjusters work on a commission fee basis, charging a percentage of the final insurance payout. Most public adjusters only work on claims worth over $10,000.
The Fire Damage Claim Process
Typically, a fire damage insurance claim goes through the following steps:
- Secure the scene. Contact emergency services if necessary. Or, extinguish a smaller fire yourself.
- Contact your insurer and start the claim. Your insurer assigns a claim number, then provides further instructions.
- Wait for the adjuster. Your insurance company sends an adjuster to your address to inspect the scene, estimate the damage, restoration and repair costs, and determine the next step.
- Hire an emergency restoration crew. Your insurer may recommend hiring an emergency restoration crew to secure the scene. Or, you might hire a contractor to provide a free quote on fire damage restoration costs.
- Document everything. Document all damage with photos and videos. Take notes and keep receipts. If you need to move out of your home, your insurer should cover your accommodations, meals, and other expenses.
- Complete the claim. Once repairs are complete and damage is documented, your insurer completes payout and closes the claim.
Of course, the insurance claim process is rarely this smooth. Most claims encounter several issues along the way. These issues could jeopardize your claim and reduce payout – which is why you may want a public adjuster.
Schedule A Free Consultation For Help With A Fire Insurance Claim
Sometimes, hiring a public adjuster is the right choice. However, it may not be the right choice for every claim. That’s why we provide free consultations to all customers. You can also find additional helpful tips here about finding a local public adjuster near you.
Our adjusters have firsthand experience with fire damage claims at both homes and businesses. We also have experience with everything from wildfires, neighboring house fires, kitchen fires, and all other types of fire damage insurance claims.
During a consultation, a public adjuster will:
- Discuss the facts of your insurance claim
- Analyze your fire damage claim and policy to verify coverage and compensation
- Explain the exact steps they will take to solve your problem and maximize your claim settlement
- Explain their complete, transparent fee structure upfront
If you decide to work with ClaimsMate, then we get started immediately. The sooner we start, the sooner your fire damage insurance claim can reach a successful resolution.
Talk to a ClaimsMate public adjuster today for expert help with your fire damage insurance claim.