Wednesday, September 24, 2014

Fire Insurance Claims Form - Seek The Assistance Of A Fire Restoration Company

Dealing with the loss of a fire can be a pretty daunting tax that will be made much worse with the insurance company playing hardball. They will require extensive paperwork in the form of insurance claims form, fire insurance evidence and so on to support the claim.

Dealing with an insurance company on your own will be nothing but a nightmare and it is highly recommended that you carry out your restoration with the help of a professional fire and water restoration company. Apart from restoring your house in a professional manner, the fire and water restoration company will often appoint a person whose sole responsibility will be to assist you with your emergency insurance claims.

To understand how a fire insurance claim works, we will try to start from the beginning. When you file a claim, the insurance company will assign an adjuster to your case. He or she will visit your house on a certain date and assess the damage to your house. You must understand that the adjustor sent by the insurance company will often have very little knowledge about the construction of a house. He will go by his or her understanding of fire insurance and give you an estimate that will often be much lower than the estimate given to you by contractors.

It is very important that you get your fire restoration company involved in the process where the adjustor from the insurance company goes about estimating the damages to your house. Some fire restoration companies will have long standing relationships with insurance adjustors which will greatly increase your chances of submitting an insurance claims form without seeing it denied.

A fire and restoration company will usually assign an insurance specialist to your case that will go about his job by helping you fill your insurance claims form in an efficient manner. They will provide you with photos and explanations that will strengthen your case when you present the estimated repairs on the property.

It is very crucial that you have the fire insurance claim specialist at your site when the adjustor from the insurance company arrives to inspect your site as the insurance specialist from the fire restoration company will be able to give solid reasoning for the various claims that you have made in your emergency insurance claims.

For example, an insurance adjustor from the insurance company will look at your brick walls that are not damaged and not award any expenses to it. However, the insurance specialist from the fire restoration company will be able to point out that the plywood behind the brick wall is damp and at risk of developing mold. He will be able to prove to the insurance adjustor that it is necessary for the brick wall to be broken down even though it might look all right in terms of appearance.

Some fire and water restoration companies will also boldly offer a 100% money back guarantee where they will guarantee you that your insurance claim will be fulfilled in the manner you have submitted. It is best that you work with these types of companies as you do not want to be paying out of your pocket.

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