Fire Insurance Claim Process

You can start over. Rebuild. Move On. We can help.

Most people facing the daunting task of filing a fire claim do not have a working knowledge of the fire insurance claim process. In fact, they don’t fully understand their insurance policy.  What’s the policy entitlement: what’s covered? What’s not? What is the cost to repair after a fire or the cost to rebuild?

Instead, they rely on their insurance company. They assume, trust and hope that the adjuster will serve their best interests. Unfortunately, the insurance company employs the adjuster it send out.  Above all, insurance companies are a business. The claim adjuster’s job is to minimize the financial outlay of their employer, not maximize claim settlements.

Whether fire significantly damages the entirety of a property, or just a small part, there are policy benefits that are too often overlooked. In other words, settlement dollars stay with the insurance company instead of the claimant’s bank account. Or worse, your claim is unjustly denied, delayed or underpaid. Did you know that most policies entitle a claimant to collect up to 35% OVER POLICY LIMITS in the event of a total fire loss?

Residential Fire Claims

It’s not until long after a fire has devastated your home that the proverbial dust begins to settle. You’re responsible for documenting and proving the damage to the insurance company. This is a task which requires analyzing the policy, calculations, submitting paperwork and compiling lists. On top of the loss you’ve suffered, it’s quite an undertaking. In fact, most of our clients have told us that the insurance claim process after a fire or other major loss is as devastating and stressful as the fire or disaster itself.

In the aftermath of a fire, partnering with a seasoned public adjuster can be a welcome relief. Above all, a good public adjuster can win you a fast and fair settlement. A settlement that reflects every penny that your policy affords and dictates, with the least amount of hassle to you.

If you’re not quite ready to hire professional help then check out our fire insurance claim tips.

Commercial Fire Claims

When your place of business endures fire loss, it’s our job to make yours a lot more simple. You’re pressured to make critical recovery decisions. You’re tasked with damage mitigation. And, soon, you will be expected to tread through the complex fire insurance claim process.

Meanwhile, day-to-day business operations must march on. So for business owners, dealing with any type of insurance claim, especially a fire claim can come with a heavy burden. And that’s where our public adjuster firm thrives. That’s why we’re here. Let our tenured team of public adjusters take care of your claim settlement. While we handle the details, you can invest your time in rebuilding and growth.

Our independent public insurance adjusters are experienced estimating, scoping, adjusting and negotiating several different types of commercial fire insurance claims:

  • Church fire claim
  • Condominium fire claim
  • Apartment building fire claim
  • Hotel and motel fire claim
  • Strip center fire claim
  • Restaurant fire claim
  • Hospital fire claim
  • Government building fire claim

Types of Coverages:

  • Business Interruption Claim
  • Code Upgrade
  • Cause and Origin Investigation
  • Forensic accounting for fire claim
  • Property Valuation
  • Loss of Use Claim / Loss of Income Claim

Re-opening Fire Claims

Many states grant property owners five years from the date of a fire loss to file an insurance claim. You can still re-coup money even if you’ve received a settlement.

Do you feel that the insurance company owes you more money for your fire insurance claim? For example, maybe you thought that you received an adequate settlement until you began rebuilding. Similarly, maybe you realized there wasn’t enough money to complete the process. In any event, you might have recourse even if the insurance company has delayed or even denied the claim.

We have a 100% success rate for re-opened fire insurance claims. The best part? We will re-open your claim at no cost to you. And, you only pay us if we win a bigger settlement. If we don’t, you won’t owe us a penny. In conclusion, you have nothing to lose and a new hope—and a bigger settlement—to gain.

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