Alconero and Associates Public Adjusters have years of experience helping homeowners and business owners get back on their feet after a fire damage miami. After a fire destroys your home or business, you may find yourself in a state of shock, wondering “What do I do now?”. We understand the stress of the unknown, and we work hard to make sure that the insurance claim process goes as smoothly as possible.
To us, it is not just about getting the most out of your fire damage insurance claim, but helping you through the entire recovery process. From evaluating the extent of the damage, to meeting with the insurance company’s adjuster there is a lot that needs to be done following a fire.
After a fire our fire loss adjusters will:
• Evaluate your policy to help present the strongest possible claim to your insurance company.
• Measure and document damages to detail and prove your loss.
• Negotiate on your behalf with your insurance company.
• Advise you of your options and keep you informed every step of the way.
• Settle your claim for the maximum amount
• Free you to focus on your recovery.fire insurance claims.
After a fire turn the hassle of filing your insurance claim over to the experts at Alconero and Associates Public Adjusters. Our public fire adjusters will handle your property damage claim; so that you can focus on getting your life back to the way it was before the fire. Contact us today and we will get you on the road to financial recovery.
What types of fire damage can I charge my insurance for
Although we have fire insurance, many times we find it difficult to identify the damage caused by it. In this type of eventuality, it is evident that the furniture, appliances, carpets and other interior objects reached by the flames will be damaged. However, there are other fire damages in Miami that are not so easily identifiable. The problem is that, in order to receive the appropriate compensation, we must take them into account in the insurance claim.
One of the important points that cannot go unnoticed is the damage caused by smoke and soot. These materials cause problems far beyond the apparent dirt they show. So much so, that many of the victims and health problems caused by the fire are related more to the smoke than to the flames. These elements can remain in the air for a long time, compromising your quality of life. When inhaled, they can be the cause of several respiratory problems.
In turn, we must also take into account the fire damage in Miami that occurs in the foundations. These structural damages may go unnoticed on a cursory inspection, but can cause problems later on. In the worst case, this structural damage can seriously compromise the stability of the house. To this must be added the damage that firefighters can cause in order to put out the flames. From a broken window or door, to destroyed walls and ceilings to get in or out. Not counting the damage that water can cause on the different objects inside, walls, carpets, etc.
Best ways to prevent fire damage
There are several recommendations we can take to prevent fires or at least minimize the risk of them happening. Not only to save money from fire damage in Miami, but also to protect the people who live in the house, it pays to take certain precautions. A fundamental measure in this sense is the installation of fire alarms and their periodic review. Testing and maintenance is just as important as getting them in the first place. In addition, we must have at least one fire extinguisher in the house, which is on hand to put out a fire source before it spreads.
The most important place to consider for fire prevention is the kitchen. This is where most of the accidents originate. Proper oven cleaning will prevent food debris from igniting a flame. In addition, when the oven or stoves are used, we must always remain in the room attentive to everything going correctly, without distractions.
In the rest of the house there are also fire risks that should not be neglected. Servicing heating systems and cleaning air filters is a valid recommendation. It must be clarified that, in case of having mobile heating, we must place the appliances in safe places, away from any flammable object. To save multiple fire damage in Miami, it’s also important to remember that many fires are caused by the electrical system. Checking the appliances and the wiring in general can avoid a short circuit that ends up starting the flames.
What to do when your insurance doesn’t want to pay
Miami fire damage insurance is one of the most common in the city, and in many other parts of the country. Depending on the type of policy, the coverage can be more or less extensive. A detailed review of the document can shed some light on the doubts that may arise about the coverage. It is important to pay attention not only to the damages that are covered, but also to the different sources of the fire. The policy may have coverage for some reasons for the flames, but others are excepted.
Then there is an additional problem, even in cases where the coverage is correct. Many insurance companies may try to deny the claim, or at least lower the expense amounts, in order to incur less operating cost. In these cases, professional advice is essential, as it can make the difference between a successful claim and a failed one. In Alconero & Associates we know that the fire damage process in Miami can be cumbersome, that’s why we aim to be the best allies in those difficult times.
Hire a Public Fire Damage Adjuster in Miami
When coverage is correct, submitting an insurance claim should be easy. However, this often does not happen. The first stumbling block may even be in the reading of the policy. The amount of technicalities, specific language and huge clauses can complicate the understanding for non-expert citizens on the subject. Having the advice of a public adjuster can be useful to know what fire damages in Miami are covered by the company.
Another point, perhaps the most important in the process, is the damage assessment. The insurance company will make its own assessment, but we cannot blindly trust their judgment. As we have already seen, the interests of the company do not coincide directly with those of the client. Therefore, it is best to turn to professionals to make an inventory of all fire damage in Miami caused to the property. In this way, we ensure that the repair costs that will be necessary are not overlooked or minimized.
Finally, all this must be presented in a timely manner to the insurance company to avoid arbitrary rejections. Gathering the paperwork and filing a fire damage claim in Miami can be tricky if you don’t have the experience. In Alconero & Associates we do this is everyday work, so we can do it efficiently and without errors. In this way, we will be the ones who represent you and defend your interests, to obtain the best deal with the maximum compensation, in the shortest possible time.