When a residential structural fire causes damage to your home, it can be a very trying time. If the fire didn't destroy the entire home but damaged only part of it, there are some insurance claim issues that can arise during the claims process. Some of the things you should be aware of include:
- Hidden damage – when a fire only damages a portion of a home, there are other hidden damages that result from the fire as well. Sometimes, insurance adjusters skip over the hidden damages, such as water damage, smoke and ash damage, air quality issues, and mold concerns. It is important to make sure your home is inspected by licensed professionals and not just the adjuster assigned to your case.
- Improper cleaning – only allow professionals skilled in cleaning smoke damaged furniture, carpet, and draperies clean your home. Your insurance company should allow you to hire a professional restoration company to properly clean your home after a fire.
- Claim delays – partial losses for insurance adjusters seem to get pushed to the bottom of their pile. Although your house fire is a huge issue for you and your family, it could be a low priority for insurance adjusters. Don't let the insurance company delay your claim.
Fire damage claims can be frustrating and lengthy. In order to have the process go smoothly, it is in your best interest to hire a skilled first-party insurance claim attorney. An attorney will make sure that all of the hidden damages are repaired and covered under your policy, your home is cleaned properly, and the insurance company doesn't drag its feet in compensating you for your losses.
For help with your structural fire insurance claim, call the Voss Law Firm to speak with a skilled insurance claim attorney. Contact us today at 888-614-7730 for your free consultation.
