What You’ll Find in This Article

1. Immediate Steps After a Fire
2. Understanding Debris Removal Costs
3. The Importance of Photographic Evidence
4. Why You Should Consider Hiring a Public Adjuster

 

Immediate Steps After a Fire

First and foremost, ensure the safety of your family. Be aware that soot, contaminated debris, and ash are hazardous materials that can pose serious health risks. Do not re-enter your home until you receive clearance from the fire department. Promptly report the fire incident to your insurance provider. The sooner you do this, the quicker you can engage contractors to handle the debris removal, which is crucial for mitigating further damage.

Understanding Debris Removal Costs

Homeowners’ insurance typically covers debris removal costs, but there are limitations. For example, some policies may cap debris removal expenses at a certain percentage of the total claim. If your claim amounts to $70,000 and the policy has a 10% limit, the insurance will cover up to $7,000 for debris removal. Alternatively, some policies offer additional riders that provide an extra $10,000 specifically for debris removal, albeit at an extra premium cost.

The Importance of Photographic Evidence

Before any debris removal begins, document the damage extensively. Capture images of fire-damaged furniture, appliances, and other household items. Also, photograph any damage caused by firefighters, such as broken windows or water damage from hoses. Don’t overlook soot and ash, as smoke can infiltrate rooms that were not directly affected by the fire.

Why You Should Consider Hiring a Public Adjuster

At Apex Adjusting Group, we bring over five decades of combined experience in claims adjustment. It’s a well-known fact that insurance companies often undervalue claims. They employ skilled adjusters and actuaries to challenge the validity and value of your claim, all in an effort to protect their profit margins. We can assist you in navigating the complexities of debris removal. We’ll review your policy to clarify what costs your insurance will cover, eliminating any surprises. Additionally, we can recommend reputable fire restoration companies to help you rebuild your home. With Apex Adjusting Group, you can be confident that you’ll receive the full value of your claim. We understand the tactics insurance companies use to cut corners, and we’re here to help you maximize your claim value and expedite your return to normalcy.