Fires can be the most difficult and trying times one may ever experience. When a fire happens, often times your life is turned upside down. From having to relocate your family and documenting a lifetimes worth of personal property, one may find themselves overwhelmed with the process. This is just a small sample of what one can expect simply to maintain their everyday life. The average fire claim can take up to 6-9 months. The process of settling the claim (often times for much less than the policy affords) managing mitigation and construction companies, and handling your personal property loss, all while trying to maintain your personal life can be devastating.
By retaining a certified and licensed public adjuster immediately, we can meet all adjusters, engineers and representatives on your behalf, document your personal property with state of the art software and create the maximized estimate your insurance company does not want to see… and that's just the beginning. We will properly navigate your policy to form the best approach for expediting and maximizing your claim payout.
According to the IICRC (Institute for Inspection, Cleaning and Restoration Certification) the water used to put out the fire can be just as damaging if not more costly than the fire itself. The secondary effects of fire, known as smoke, soot and water damage are oftentimes overlooked. When water is used to put out the fire, mold can ensue. Smoke & Soot are acid or alkaline based and will cause severe long term effects to all material it comes in contact with, especially porous materials and furniture. If not addressed immediately, these items will likely require replacement. This is where most individuals often times find themselves trapped with the insurance company's mitigation contractors who want to clean and repair everything. This process is not beneficial to you and can often times deplete your potential recovery needed to replace the fire damaged property.
Only a public adjuster licensed by the Department Of Insurance can legally negotiate an insurance claim on your behalf. When inspecting initially, we photograph and document the entire loss from structure to personal property and build an expert claim file to present to your carrier. All Florida Public Adjusters aides in a quick and effective resolution so that you can be back in your home sooner without the hassle of ever having to fight the insurance company on your own.