No one likes their real estate to suffer from fire damage—it can be a traumatic experience, creating stress, turmoil, and having the potential to disrupt your entire life, lasting for months or years after the incident. Dealing with fire damage in Miami afterward is more overwhelming. There are some noteworthy lists to do, and also things you do not want to do or even attempt to do when claiming fire damage in Miami insurance.
Insurance companies are beneficial as they will help you with the covered expenses and repairs. However, there are certain things that you should remember before claiming insurance claims over fire damage. Alconero and Associates Public Adjuster in Miami suggest do’s and don’ts for filing fire damage in Miami insurance claims.
DO inform your insurance agent or insurance carrier right away
You need to call your insurance carrier to report the fire damage as soon as possible. Contact them before you seek help from a contractor to start repairing the fire damage. Of course, it is essential that you still make sure you and your family is in a safe place. If you can, you can also make safe and reasonable actions to minimize the fire damage.
DO prepare a fire damage inventory
The inventory should clearly present the quantity, description, age, and as well as Replacement Cost Value (RCV) of all damaged items.
DO take photo documentation
Take pictures of the fire damage in Miami as this documentation are helpful in your insurance claim. Be sure to take precautionary measures while taking pictures from different angles by not exposing yourself to harm. If it is safe to do so, take several photos of the fire damage, as well as its root cause. You can also share these photos with Alconero and Associates Public Adjuster in Miami for investigation.
DO contact a public adjuster if you can sense that the process is starting to overwhelm you
Seek help from a public adjuster, especially when you feel that you could be treated unjustly by your insurance company. They can help you document and present the loss correctly to avoid unnecessary denials and get your maximum insurance claim on your behalf.
DON’T agree to us repair contractors your insurance adjuster recommends right away
Insurance carrier approved contractors often have an established working relationship with the company and will complete the repair over fire damage in Miami base on the adjuster’s estimate.
Contractors may ask you to sign some forms like Assignment of Benefits (AOB). Upon signing it, it gives them full authority over your issuance claim process, including ownership of any payments from your insurance carrier.
Ask for a recommendation from Alconero and Associates Public Adjuster in Miami for trustworthy and efficient contractors who can help you with your fire damage in Miami insurance claim. You should also work closely with your contractor and be sure that they are doing everything necessary to restore your real estate to the pre-loss condition. They should work as your advocate in working with the public adjuster to make sure the repairs and finishes are of the right quality.
MIAMI PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
RESEARCH
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
DAMAGE DETERMINATION
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
NEGOTIATION
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Miami?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.
