The danger and disruption cause by a fire is enormous. Losses from fire can range from a total loss to a simple clean up of a few walls and everything in between. Each fire claim is very different so hopefully we can help you understand how to speak the lingo and how to set your expectations when dealing with the insurance company.
First, is it safe to enter the home? Not usually.
Assuming that the fire is minimal (in regards to safety), the fire department typically soaks the area when putting out the fire. This creates a potential hazard of wet sheet rock falling from the ceiling. There is also likely broken glass on the floor in addition to other tripping hazards due to the firefighters moving things around in order to put the fire out. In addition, the air is now toxic. Continue reading “The Danger and Disruption a Fire Insurance Claim Causes” →
Hurricane season is at its peak and folks are still in recovery mode following the devastation caused by Hurricanes Harvey and Irma. Now, there appears to be a shortage of insurance adjusters, especially in Florida where basically policyholders are having to wait because the insurance adjusters are all in Houston because Harvey was the first to hit.
Insurance companies are advertising for adjusters and trying to build up their rosters to cover the areas hit the hardest. Simply put, they are using anyone with a pulse to help out because of the high volume of claims being reported right now. Property owners are the ones who will be left on the short end of the stick as inspections are being performed by people who just don’t have the experience or expertise to properly inspect and estimate the claim. This leaves huge holes in the estimate, huge discrepancies in the claim value, and makes it even more important for the property owners to hire their own claim professional and have an expert on their side. Continue reading “Shortage of Insurance Adjusters in Wake of Hurricanes Harvey and Irma” →