How to Make Fire Insurance Claim Process More Efficient

Property owners who have filed a fire insurance claim will know that the process is confusing, time-consuming and can quickly turn into a nightmare.  The fire claim process itself is full of inherent complexities and jargon most people are unfamiliar with. Most people quickly find that getting a full fire insurance claim settlement is difficult and can become another full time job.

In order for the claim to progress at an acceptable rate, claimants must commit to carefully learning and understanding what their insurance policies afford and expectations and responsibilities required of them.  Only then will the claimant be able to secure a favourable fire insurance claim settlement. The smallest mistake with documentation, or misstep during the fire insurance claim process, will likely result in the denial, delay or underpayment of the settlement amount by the insurance company. 

Because of the complexities of fire claims, claimants should strongly consider hiring professional help from a fire claim adjuster, mostly commonly known as a public adjuster. These professionals ensure a claim is handled expeditiously, fairly and that you receive the largest possible settlement.

The biggest advantage of hiring a public adjuster is you can rest assured that your claim is being handled in the proper way by a professional who knows the process. This enables you to focus on family and professional obligations during the fire insurance claim process.  An experienced public adjuster knows exactly how to navigate through complex and difficult fire claims in order to get the quickest and most accurate settlement. Public adjusters are also skilled at overturning claims that were underpaid and even denied.

If you’re looking for a fire claim adjuster only consider one with a verified track record. Checking recent settlements and calling former clients can be a good way to verify their level of expertise.

Get Fire Insurance Claim Help For a Less Troublesome Claim Process

Dealing with and managing the day to day activities of a fire insurance claim can be a frustrating and very involved task. This, combined with an insurance company adjuster who may be playing hardball with you, can make the claim process feel like a bad dream.

The nature of the fire insurance claim process is typically investigative due to the scope of damage and nature of fire itself. Insurance companies usually require extensive paperwork and cooperation prior to starting the claim adjusting part of the claim. Claimants will be required to submit claim forms, verbal and written affidavits, inventories and so on very early in the process. These duties and responsibilities often become a full time job and can create stress, confusion and anger. Disagreements with the claim adjuster from the insurance company can make an overwhelming situation seem hopeless. Many policyholders are unaware that fire insurance claim help from a personal fire damage adjuster is available for a nominal contingency fee. A fire damage adjuster – or a public adjuster- is an expert in the handling, managing, documenting and negotiating fire claims.  He or she creates damage estimates in the format insurance companies will accept, handles all the daily communications and meetings and is adept at negotiating the largest and most accurate claim settlement. Because of their experience in the claim process, hiring a public adjuster will likely shorten the time to settlement.

These estimates can include personal property contents estimates, structure and building estimates, and code coverage estimates. The estimates should detail all types of damages including heat-related damages, smoke and soot damages, as well as dames resulting from water and flame retardants the fire firefighters may have used.
In addition to the fire damage estimates, public adjusters will include other supporting documentation such as photos, expert reports and other cost and valuation documents as part of the claim package they submit to an insurance company.

An experienced fire damage adjuster can manage your claim and negotiate the highest possible settlement while you focus on restoring your life.  In the end, professional insurance claim help will likely save you time, money and stress.

Get Fire Insurance Claim Help from A Qualified Public Adjuster

Fire and smoke damage can wreak the most havoc for homeowners or business owners, and the fire insurance claim process can be even more debilitating than the fire itself. Claimants become overwhelmed and confused when they realize that much time and resources are required to document the insurance their claim.

Knowing the ins and the outs of the fire insurance claim process and how to go about getting a full settlement from the insurance company should be expected of an insurance claim professional but not a typical property owner. The post-loss duties and responsibilities as well as the terms and conditions of the insurance policy can be difficult to comprehend and understand. 

A resources available to claimants is a public adjuster—an insurance claim expert with knowledge and experience navigating the fire insurance claim process as well as insurance claim estimating, documenting and negotiating. These “personal” insurance adjusters ease the burden of time and energy dealing with the insurance company while ensuring the largest possible settlement on behalf of the claimant. 

When you hire an experienced public adjuster, you are turning your fire insurance claim over to a claim expert who knows exactly how to prepare, document and settle a fire damage claim. He or she should be qualified and provide referrals of former clients he or she helped through the fire insurance claim process. With a public adjuster on your side, you can make sure that every detail of your claim is properly prepared, presented and negotiated for the highest and most accurate settlement.

Policyholders should immediately consult with an experienced public adjuster if:

• The insurance company sent a Reservation of Rights letter.
• The fire insurance claim or cause of fire is under investigation.
• The insurance company sent you a Proof of Loss form to fill out.
• The cause or origin of the fire has been ruled suspicious.
• The insurance company denied your fire insurance claim.
• The insurance company offered you a low or partial fire claim settlement.
• The insurance company has required to participate in an Examination Under Oath (EUO)