A house fire is reported in the U.S. every 30 seconds…. This is an average of 1.9 million fires reported each year. In the time it will take you to read this section, an estimated 3-4 structure fires will have been reported somewhere in the United States.
In just 30 seconds, a small fire can get completely out of control and turn into a major fire. Direct property loss due to fires is estimated at $8.6 billion annually… make no mistake, even a small fire is a big loss if not handled properly! A home that is not completely destroyed by a fire creates special claim issues. This type of claim is known as a “partial loss” because the structure is only partially damaged. There are a number of circumstances to consider in a “partial loss” situation. Hidden or inconspicuous (not immediately noticed) damage such as water, smoke, ash, mold, and air quality are all factors in a “partial loss” claim.
After a fire, the insurance company will likely invoke a contractor from a “preferred contractor list”, it is rarely sufficient to have a loss of any size assessed and restored solely by your insurance company and the contractor they choose for your claim. Almost always necessary and strongly recommended, you as the owner of the property should seek out a qualified restoration specialist for a comparative estimate. Make sure that the contractor has your best interests in mind. This is your home, you work hard and pay good money to live in your home and deserve to be compensated fairly in the event of a loss. A contractor with your best interest in mind will write an accurate and detailed estimate and will make sure that you understand your claim in its entirety. Be aware of inadequate or improper cleaning methods and repairs, especially in the early phases, as they will lead to further damage and delays in your claim. Cutting corners by ignoring hidden damage is a major risk, though it is wrong, there are contractors out there that will do this to keep the cost down for the insurance company.
1) Be proactive in the claim process.
2) Think of your claim as a business negotiation. You are dealing with a FOR PROFIT company. Therefore you are not on a level playing field when making and dealing with an insurance claim.
3) Give your insurance company a chance to do the right thing but don’t mistake a friendly claims adjuster for a friend!
4) Seek out a fair an accurate assessment of the damage. Hiring a contractor that has that intention in mind, is your right! Allowing the insurance company to determine the extent of the damage and deciding who should fix the damage is NOT recommended! That is your DECISION TO MAKE, NOT THE INSURANCE COMPANY.
5) If you have questions, concerns, or just need answers, call Accent Construction and Remodeling LLC. We are very knowledgeable and experienced in all claim scenarios.
We are licensed, bonded and insured, have industry recognized certifications, masterfully skilled craftsmanship through our own in-house detail oriented employees. Above all we come highly recommended by previous customers…
Accent Construction and Remodeling LLC is the new standard in restoration because Accent is the company that works for you!