1. Contact your insurance company and report the loss.
2. Protect your property from further loss.
It is your responsibility to prevent further damage to your property after the loss as stated in your insurance policy.
3. Know the facts about Public Adjusters and the benefits they can offer early in the claims process.
FACT: Insurance companies rather have you think that you should settle the claim with their adjusters first, before seeking help from a public adjuster. But, case after case of denied claims or claims that have been unfairly under valued by the insurance companies and their adjusters is proof in its self that having your own representation during the claims process is an added value early in the claim process. Retaining a public adjuster late in the claim process may be too late. It is important to protect information during the claims process or risk lowering the value of the claim, or even worse, having your claim DENIED!
1. It is a very important time to truly know your policy. Your policy states that it is your responsibility to present the value of your claim within the duities of your policy.
2. You essentially have two choices to settle your claim within your policy;
A) Allow your insurance company to determine the value of your loss and settle or...
B) Present your value of loss to the insurance company, negotiate and settle.
Know your Insurance Policy: If you choose not to prepare and present your claim, your policy states that you will have no recourse or judgment towards your insurance company or their preferred vendors. Your insurance company will be happy to settle the claim at the cost-value they choose to pay, and again, you will have no legal recourse towards them or their vendors once the restoration is complete. If the work performed by the insurance company’s preferred vendor was incomplete or poorly done you will have no legal path to hold them responsible.
Health Risk: Homes that are not properly restored from a fire loss pose great health risk to those returning back to the property. (VOC’s ) Volitile Organic Compounds are a very serious health risk that must be considered and that is why the quality of restoration service is crucial.
Selling Your Home: If you choose to sell your restored home in the future, you will have to disclose the fire loss and restoration service during the sell. If the restoration was not completed properly, the value of the home could be dramatically reduced.
Calculate Risk: Lower Cost Restoration Service = Higher Risk of Improper Restoration Repairs , “cutting corners.” = Health Risk, Exposure to VOC’s = Lower Resell Value of Property
Reviewing your policy is a free service with Cornerstone without further obligation.
Structure fire, smoke, soot and orders are a complex mixture of toxic particles, i.e., Asbestos, lead, mold, (VOC’s) Volatile Organic Compounds... plus many more. These dangerous particles can have major heath affects.
Before re-entering the property please consider the following;
Smoke damage, even if the fire affected only one room, can distribute highly elevated toxins throughout the structure making it uninhabitable. Cornerstone Public Adjusting can help arrange a hotel within hours