A house fire can be one of the most devastating experiences a homeowner can face. Not only does it cause significant damage to your property, but it can also result in the loss of sentimental belongings and cherished memories. In the aftermath of a fire, it is normal to feel overwhelmed and stressed, which is why it is important to have someone to help you navigate the fire insurance claim process.
By hiring a public adjuster, you can rest assured that your fire insurance claim will be handled efficiently and effectively, giving you the time and space that you need to focus on healing from the stress and loss of a fire.
At Liberty, our team is dedicated to helping homeowners like you get the compensation they deserve. If you have been affected by a fire and need help with your insurance claim, contact Liberty today.
Step 1: Contact a Public Adjuster Before Your Insurance Company
While it may seem like a natural instinct to contact your insurance company first, contacting a public adjuster can actually be more beneficial. They will be able to analyze your policy and help you determine what coverage you have, as well as what compensation you may be eligible for.
At Liberty, our team will be able to guide you through the process of filing a fire insurance claim, ensuring that all necessary information is gathered and submitted to your insurance company. By working with a public adjuster from the start, you will have an advocate on your side who is dedicated to making sure you receive the compensation you deserve.
Our clients get up to 574% more $$$ for their claims when they call us FIRST.
Step 2: Document the Damage
It is essential to document the destruction caused by the fire as thoroughly as possible. This will help your insurance company determine the extent of what was lost and how much you should receive in compensation. Take photos of any damage, both to the interior and exterior of your property.
This will provide a visual record of the extent of your losses and help the insurance company make a more accurate assessment. Additionally, make a list of any personal property that was lost or destroyed in the fire.
Step 3: The Insurance Adjuster's Visit
The insurance adjuster will visit your property to assess the damage and begin the investigation process. They will examine the property and make a list of items that need to be repaired or replaced.
It’s vital that you have a public adjuster here with you throughout this process. Your insurance company sends out their own adjuster with the goal of paying you out as little as possible; while a public adjuster is there to have your back, and will handle all the tough or entrapping questions for you.
Read More > Independent vs. Public Adjuster
Step 4: Determining the Extent of Coverage
After the insurance adjuster's visit, your insurance company will review the information and gauge the extent of your coverage. This will include an evaluation of your policy, the cause of the fire, and the extent of the loss.
The insurance company will also review your policy's limits and any deductible you may have. They will then provide you with an estimate of what they believe your compensation should be.
Step 5: Negotiating the Settlement Amount
Once you have received an estimate of the compensation you may be eligible for, it is time to negotiate the settlement amount. Our team has years of experience negotiating fire insurance claims and will work with you and your insurance company to make sure you receive the compensation you deserve.
We will review the insurance company's estimate and make sure it covers all of the destruction and expenses incurred as a result of the fire.
Did you file yourself and get denied?
Here’s how we can help > Next Steps After a Denied Claim
Step 6: Receiving the Settlement
After an agreement is reached, your insurance company will issue a check for the agreed-upon amount. This check will be made payable to you and any contractors or suppliers involved in the repair or replacement of your property.
You can then use the funds to repair or replace any lost items and begin the process of rebuilding your life and property.
Liberty Adjusters Will Help You Navigate the Fire Claim Process
The fire claim settlement process can be complicated and time-consuming, but with the help of Liberty, you can receive the compensation you deserve, without all the extra stress that comes along with filing a claim. Our team of in the Tampa Bay area will work with you every step of the way, making sure your fire insurance claim is handled quickly and efficiently.
If you have been affected by a fire and need assistance with your insurance claim, contact Liberty Insurance Adjusters today.