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FIRE & SMOKE DAMAGE

Find out more about Fire damages and claims

A fire can be one of the most devastating disasters to damage your home. A tiny spark can set an entire building or home ablaze, and it can happen a lot more quickly than one would think. Fire damage is devastating, because not only can it take your home, it can take everything you own. Additionally, if you were at home during the fire, the smoke damage can make you and your family sick. An insurance adjuster from HDG may be able to assist you with your fire damage claim.

WHAT SHOULD MY BUSINESS OR FAMILY DO FIRST?

HOW TO BEST UNDERSTAND YOUR INSURANCE POLICY

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Have HDG review the damage and any existing claims paperwork to better assist you in getting what you need from the insurance company. Don’t get lost in the process we are here to help. 

Beware not to sign blank authorization forms as this may start the process without you realizing it.  This can result in problems after work has been completed if you are still working with the insurance company on the status of your claim.  Sometimes the contractor will file a “notice to owner” to protect his lien rights.

 

ARE YOU A BUSINESS OWNER?

Business owners have more than just damage to worry about with the needs of employees, customers, partners, and any other contractual obligations that the business has. Don’t let these issues get you bogged down let HDG help.

ARE YOU A HOMEOWNER?

Dealing with loss of personal items and property is stressful enough don’t let the insurance company bully you over claim amounts. Though you may want to get started as soon as possible with the cleaning and restoration process make sure that you understand your rights and responsibility under your insurance policy. There may be more options available to you, like whether you should declare a total loss or begin restoration, that can’t be easily uncovered without the help of an adjuster.

APPRAISAL PROCESS

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The appraisal process can be difficult since fire damage is usually combined with smoke, water, and soot damage which makes it even harder to assess the real damage that has taken place.

RECONSTRUCTION AND RESTORATION

After assessing the damage the process can begin for repairs. Keep in mind that restoration can be costly and that you need to have someone on your side who has your best interests in mind. 

Some damage can be difficult to see and you need to make sure that you have filed a claim that will cover any hidden costs. Specialized companies are needed to remove smoke damage and clean furniture, carpets, and walls of soot, smoke, and remove odor. Those potential costs can add up if not documented properly in your claim.

GET A FREE CLAIM REVIEW TODAY!

CALL 813-770-5415 OR CLICK THE BUTTON

A few causes of fire damage are:

  • Kitchen Fires
  • Electrical Fires
  • Arson
  • Chimney Fires

Even if you have an insurance policy that covers fire damage, you may need assistance navigating the claim process.

Things to consider with fire and smoke damage:

  • When a structure burns it can release hydroclorhic acid which is corrosive.
  • The heat of fire pressurizes the smoke and will push it into other areas of the structure, which can affect things like the lifespan of electronics and mechanical equipment.