There’s more to fire damage than meets the eye. Fire can also cause hidden damages that can be hard to detect. The two main culprits: smoke/soot damage, and water damage. Knowing about these additional impacts on your property, and how to take care of them, helps ensure you’re reimbursed appropriately for your claim.
There are many reasons insurance companies justifiably deny fire insurance claims. But that doesn’t mean all fire claim denials are justified.
If you’ve suffered a house fire, we’re here to help. Here are some tips for how to maximize the amount of your house fire claim.
As the homeowner, you’re responsible for clearing debris from your property after a fire. The good news is coverage for debris removal is included in most homeowners insurance policies. It’s a necessary expense to bring your property back to its pre-loss condition, but how much is available for the site cleanup and what debris is covered?
Dealing with the aftermath of a house fire is overwhelming. There are things to do, and things you definitely don’t want to do or even attempt to do. We’ve put together the following list of helpful tips to take some of the stress out of a house fire recovery.
When a fire or other covered peril renders your home not fit to live in, your homeowners insurance policy likely provides Additional Living Expense/Loss of Use coverage that pays for temporary housing and other extra expenses you incur to maintain your standard of living. ALE also reimburses you for other expenses that rise above and beyond what you would normally spend.
No one should have to deal with the trauma of a house fire. But if your house burns down, expert advice can help. Here are some of the first things you should do.
One of the most daunting tasks required in the claim process after losing your home to a fire is properly documenting your personal property to ensure you’re compensated fully for what you’ve lost. Completing a total loss inventory list is a high-stress task, and it must be done correctly so as not to leave settlement dollars on the table. Know going in that it will be messy, time-consuming, and require a lot of patience as you meticulously document the many possessions you’ve accumulated over a lifetime.
The two terms “vacant” and “unoccupied” might appear to be synonymous, even interchangeable in general conversation, but they are distinctly different when it comes to property insurance coverage.
Imagine the horror of suffering a major house fire and having your belongings destroyed, badly smoke- and soot-damaged or waterlogged. Your world is officially turned upside down, yet you have crucial duties to perform to make sure it gets right-side up with a properly filed insurance claim. The furthest thing from your mind is an examination under oath (EUO). What’s that, you might ask? Read on.
When is The Right Time for the Appraisal Clause?
There’s more to fire damage than meets the eye. Fire can also cause hidden damages that can be hard to detect. The two main culprits: smoke/soot damage, and water damage. Knowing about these additional impacts on your property, and how to take care of them, helps ensure you’re reimbursed appropriately for your claim.
Building codes are in a constant state of evolution. Advancements in engineering, technology, safety, building materials and methods, and changes in the physical environment all drive changes in building codes. If your fire-damaged home is 10 or more years old, complying with the current building codes may add substantial cost to your reconstruction. Will you be stuck with the bill?
Use our Experts Guide to help you manage your insurance claim like a pro.
This expert’s guide will take you through the steps to manage your insurance claim from start to finish and help you maximize the settlement.
Let us prove it: your first sheet is free.
This expert’s guide will take you through the steps to manage your insurance claim from start to finish and help you maximize the settlement.
If I could provide one crucial piece of advice to anyone dealing with a major loss due to fire, water damage, etc. – it would be to contact Miller Public Adjusters!
“Excellent experience. I had a major fire which destroyed my business. My Insurance company was hostile and adversarial at best. I hired Miller Public Adjusters. They did everything. I never had to have another conversation with a elusive and hostile insurance company. If I hadn’t hired Miller Public Adjusters to represent me, I would’ve lost everything.”
“Dave is super knowledgable on the process as he’s not only been in the industry for years but he has also had personal experience with his own fire-damaged home. No matter how trivial you may think your question is Dave and his staff will take the time to make sure your questions get answered and you understand the ramifications. His expertise on the matter quickly turned what seemed to be a hopeless uphill battle into a more manageable playing field.
“Top-notch service would recommend Miller Public Adjusters service to anyone. Dave thank you much. The process was great.”
“David and his staff are outstanding and worth their weight in gold. If you need help with any insurance claim, hire them; you’ll be glad you did! If I could rate them 100 stars, I would!”
"Champions. Warriors. Heroes. Lifesavers! That’s exactly what David Miller and his fantastic team at Miller Public Adjusters are! There really are no words to describe what his team has done for me and my family. We are extremely grateful, and they are WORTH EVERY SINGLE PENNY you pay them for their services and then some!"
“Thankfully, the restoration company referred us here. From that point on, David at Miller Public Adjusters reassured us that he would do everything in his power and knowledge to prove that our homeowners insurance should cover the damages. In the end, we won the case and the claim was paid. I can’t thank David at Miller Public Adjusters enough!”
We never would have been able to navigate the confusing world of a total loss claim without their help, guidance and expertise,” Todd stressed. “I would recommend Miller Public Adjusters to anyone who is faced with a traumatic claim that involves dealing with ‘Big Insurance.’ They will absolutely help to alleviate much of the pain.
They were successful at getting the maximum settlement from the insurance company. My family and I are always praising Miller Public Adjusters to people who ask us about the fire. We can’t thank them enough.
“Miller Public Adjusters knows what they are doing and stood firm against the insurance company. Miller Public Adjusters got us everything we were entitled to, and even more than we thought, in a matter of months. We did not have to deal with our insurance company and also did not have to purchase anything and turn in receipts for reimbursement. What a time-saving relief. Miller Public Adjusters are knowledgeable, understanding professionals, and we highly recommend them to all our friends and family.”
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
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