April 7, 2022
After a house fire, even a small one, the property owner will likely have to remove damaged or destroyed items. However, debris removal after a house fire can be complicated by the presence of hazardous material, like damaged propane tanks. Typically, insurance carriers will cover the cost of debris removal up to a point. However, how much coverage your homeowners’ insurance will provide depends on the insurance company and the policy terms.
What To Do After a Fire
In the first place, make sure you and your family are safe. Remember, soot, contaminated debris and ash are all hazardous materials that can seriously injure you. Indeed, exposure to these hazardous materials can affect your long-term health and safety. Therefore, do not enter your house until the fire department tells you it is safe.
Furthermore, report the fire to your insurance company or agent as soon as you can. Certainly, it is a good idea to do so. As a matter of fact, the sooner you report the fire, the sooner you can hire contractors to remove the debris caused by fire damage.
And you are responsible for removing tine debris. Namely, under the terms of your insurance policy, you have to mitigate the damage caused by a covered loss. Therefore, you should get a contractor and/or a restoration company to remove the debris. Under those circumstances, insurance carriers will cover the costs of a debris removal program-up to a point.
How Much Will Insurance Pay for Debris Removal After a House Fire?
In general, homeowners’ insurance will pay for the cost of debris removal after a house fire. However, most policies have limits on debris removal costs.
For instance, a policy might limit the amount they will pay to a percentage of a claim. Therefore, if a policy has a 10% limit, and the claim was for $70,000 in damages, the insurer will pay up to $7,000 in debris removal costs.
As another example, the policy limit for debris removal might include additional coverage of $10,000 just for debris removal. However, this additional coverage comes in the form of a rider to your homeowners’ policy. Correspondingly, the homeowner would have to pay an additional premium for that coverage.
Don’t Forget to Take Pictures-A Lot of Pictures
Equally important, before the debris is removed, take pictures of all the fire-damaged items in your house. Of course, this includes furniture, carpeting, appliances, etc.
In addition, take pictures of the damage firefighters did when they were fighting the fire. Specifically, broken doors and windows, holes in walls and ceilings for ventilation, water damage from firehoses-it’s all part of your claim.
Similarly, take pictures of the soot and ash throughout your house. Remember-smoke can travel into rooms of your home that were never touched by flames.
If You Need a Public Adjuster to Help You with Debris Removal After a House Fire, Call AllCity Adjusting
To sum up, we are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.
Notably, insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.
We Can Help You with Debris Removal After a House Fire
Certainly, having a fire in your home means you have already gone through a tumultuous event. However, now you are going to have to worry about your family’s health and safety. Consequently, that means getting debris, soot and ash and any other hazardous material out of your home.
We will review your policy so you will know exactly how much of the debris removal cost your carrier will pay so there are no surprises for you.
Additionally, we can recommend professional fire restoration companies to begin the process of rebuilding your home.
At AllCity Adjusting we work to ensure you get 100% of your claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Therefore, we help you build a larger claim, maximize your claim value, and get you back to normal fast.
Finally, don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.
Best way to beat the insurance company is to hire AllCity Adjusting
Real Support When You Need It!
Should You Make Your Own Insurance Claim Repairs?
Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?
What Are Some Common Business Insurance Claims?
Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?
How Does Home Repair Insurance Work?
Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?
How to File a Roofing Insurance Claim
Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.
How to Get Flood Insurance
Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.
commercial mold cleanup and restoration
If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.
Stay Up to Date With The Latest News & Updates
Don't Wait - Get More
Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.
Join Our Newsletter
Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.
Follow us on the following social networks.