Alconero and Associates Public Adjusters have years of experience helping homeowners and business owners get back on their feet after a fire damage miami. After a fire destroys your home or business, you may find yourself in a state of shock, wondering “What do I do now?”. We understand the stress of the unknown, and we work hard to make sure that the insurance claim process goes as smoothly as possible.
To us, it is not just about getting the most out of your fire damage insurance claim, but helping you through the entire recovery process. From evaluating the extent of the damage, to meeting with the insurance company’s adjuster there is a lot that needs to be done following a fire.
After a fire our fire loss adjusters will:
• Evaluate your policy to help present the strongest possible claim to your insurance company.
• Measure and document damages to detail and prove your loss.
• Negotiate on your behalf with your insurance company.
• Advise you of your options and keep you informed every step of the way.
• Settle your claim for the maximum amount
• Free you to focus on your recovery.fire insurance claims.
After a fire turn the hassle of filing your insurance claim over to the experts at Alconero and Associates Public Adjusters. Our public fire adjusters will handle your property damage claim; so that you can focus on getting your life back to the way it was before the fire. Contact us today and we will get you on the road to financial recovery.
What types of fire damage can I charge my insurance for
In most cases, insurance covers damage caused by fire. However, it is not so easy to identify each and every one of the expenses that will occur as a result of the fire. It is most evident that the interior elements such as furniture, clothing or appliances that have been reached by the flames will be affected or completely destroyed. But there are other Florida fire damages that are less obvious, but must be taken into account when making an insurance claim.
First, there is the structural damage to the property. If the fire is important, the problem may be really serious and the structure of the house is affected, which is a danger for the future. Even if this is not the case, some walls or the ceiling may need to be completely repaired or replaced.
Then there is also a major problem with smoke and soot. Although it may seem like it’s just a little dirt, it’s much more than that. Florida fire damage caused by smoke and soot can cause illness by compromising air quality. Even many of the victims in the fires are related to smoke inhalation. In any case, these substances can remain in the air for a long time, so it is always recommended that they be evaluated by an expert.
Finally, the damage that can be caused by the actions of firefighters is not minor. The breaking of a door, a window or the roof may be necessary. And the use of water can cause property damage. It may even happen that, as a result of this, the conditions are generated for the emergence of mold or fungus in the house.
Best ways to prevent fire damage
Better than solving a problem is preventing it from happening. In the case of fires, there are many precautions we can take to prevent them from occurring, or at least minimize the risk. In this way, we can save ourselves many of the Florida fire damages that arise from this eventuality. One of the main measures we can take is the placement of smoke alarms throughout the house. In addition to installing them, we must be careful to test them regularly to make sure they work properly. It is also advisable to have at least one fire extinguisher in the house, to be able to attack a fire source as soon as it begins.
Many fires start in the kitchen, so it is important to pay special attention to this place. Keeping your oven and stove clean to avoid food debris, and being present at all times while they are on, are some of the most important precautions. Doing regular checkups of heating systems, cleaning air filters and moving any flammable objects away from heat sources are also essential.
It is important to remember that many fires are caused by electrical system malfunctions. Checking the operation of the same and the wiring of the appliances can save us several damages due to Florida fire. Even a leak of water can be a cause of fire, if it affects the electrical system of the house and generates a short circuit or a spark.
What to do when your insurance doesn’t want to pay
Depending on the coverage your insurance policy has, many Florida fire damages may be covered. However, it is important to review the document in detail to know how far the coverage goes. It may happen that some of the damage is not covered by the policy, or that the source of the fire is considered exceptional and the insurance company does not bear the costs.
Unfortunately, although it may be due to the coverage of the policy, many insurance companies do not behave as they should. It is possible that the company, in an attempt to improve its profit, refuses to cover some expenses or even rejects them completely. If this happens, the best thing to do is get the right advice. And for that, nothing better than a trained public adjuster with the experience of Alconero & Associates.
Hire a Public Fire Damage Adjuster in Florida
Filing a Florida fire damage claim is not as easy as it should be. There are several complications that can arise along the way, and having the advice of a public adjuster can be the key to a positive result. First of all, it is necessary to review the policy to make sure that the insurance has the responsibility to cover the expenses. This can be tricky, especially because of the technical language and number of clauses that are often included.
Second, the most important part of the claim is the Florida fire damage assessment. It is not at all easy to account for and evaluate each and every one of the possible damages that are generated in the property. In general, the valuation made by the insurance is much lower than the real expense involved in the arrangements. For this reason, a public adjuster will be your main ally in the process, since they will try to include the total and complete expense of the damages caused. Experience allows you to know what these expenses are, which even you may not know.
It is also important to gather documentation and submit it correctly and on time. It can happen that the insurance rejects the Florida fire damage claim simply because it was not filed correctly or because it was filed out of time. In Alconero & Associates we have more than 15 years of experience in this type of case, so we can ensure that there will be no errors. We will help you at all times of the claim process, to obtain the best compensation in the shortest possible time. You can rest assured that we will defend your interests against the insurance company with all our professionalism and knowledge of the cases.