Should I hire a Public Adjuster for fire damage in Miami?
15 Sep

Fires are one of the leading causes of loss and destruction in the home. It is estimated that in the United States there are between 300,000 and 400,000 residential fires per year, and of course Miami is no exception. In fact, it is one of the main causes of claims to insurance companies. In that sense, a very frequent question is if I should hire a public adjuster for fire damage and why. In this blog post we will answer this and other questions related to fire damage.

General fire damage issues

Before we get to the insurance claim, it’s important to note a few things about home fires. A fundamental issue to avoid all kinds of inconveniences is prevention. Providing the home with the necessary security conditions to avoid possible sources of fire and respond to an emergency is a very important issue. The most important thing is to keep in mind that all material damage that may occur takes a back seat when life is at risk. Therefore, the main thing is to keep the life and health of the people who live in the house safe.

One of the main tips to prevent fires is to have smoke detectors distributed throughout the rooms of the house. It is not only important to install them correctly, but also to do the necessary maintenance on the equipment to ensure that it works properly. Likewise, fire extinguishers are essential to be able to put out any focus in the initial moments, without the flames spreading. It is convenient that the fire extinguishers are in easily accessible places, since in an emergency there is no time to look for them or get hold of them if they are in remote places. Before asking if I should hire a public fire damage adjuster, it’s important to try to avoid all risks.

The main focus where most fires start is the kitchen. Therefore, it is advisable to pay more attention and take more precautions in this part of the house. When cooking, carry out the task conscientiously, trying not to get distracted, since a few seconds may be enough for the fire to become uncontrollable. Maintaining a good cleaning of the stoves and the oven is important, since the remains of food can be the fundamental piece in the beginning of the flames.

Finally, remember to check the electrical installation of the house and the proper functioning of the appliances. It is common for an electrical fault to be the origin of a fire. Any spark it can cause is enough to start a flame that becomes uncontrollable. Clean air conditioner and dryer filters and properly maintain heating equipment to minimize the risk of starting a fire. All of these tips are helpful, but nothing completely ensures that an accident can’t happen. If it were to happen, I must hire a public fire damage adjuster to fix the problems that occur.

When should I hire a public adjuster for fire damage

It is important to answer this question with all the information needed. It is common that, in an emergency such as a fire in our home, the first thing we do is call the fire department. This is undoubtedly the best decision we can make. The problem arises once the flames have been controlled and we are faced with the damage they have caused. The most frequent option is to contact the insurance company so that they are aware of what happened and to be able to collect the claim as soon as possible. At this point we can stop with a piece of advice: before contacting the insurance company, you should consider calling a public adjuster.

Insurance companies, like those of any other commercial sector, seek to obtain the highest possible profitability. Within its business scheme, the payments made to its clients for claims constitute the main cost. That is why they dedicate a large amount of resources and personnel to minimize the amounts or deny payments through technicalities and clauses within the policies. Although not all companies behave in the same way, it is a constant in the industry that they try this type of maneuvers. Either find a way to reject the payment, or reduce the amount as much as possible. In that sense, having professional advice can be invaluable. When in doubt as to whether I should hire a public adjuster for fire damage, the answer is that it is not legally required, but it is highly recommended that I do so.

Why should I hire a public fire damage adjuster

There are many reasons why it is important to have a public adjuster. The first is to be able to interpret the insurance policy correctly, to ensure that the coverage includes damages. It is common for people to take out insurance to feel protected against an eventuality. But many times, the fine print of the policy is overlooked and it is not fully understood what is covered and what is not. For this reason, a public adjuster can be very useful to be able to read the policy correctly and establish with certain criteria what damages are covered.

The second reason I should hire a fire damage public adjuster in Miami is to do the damage assessment. The company will want to do its own assessment, but it may not include all of the items destroyed and all of the costs resulting from the fire. A public adjuster can make an accurate review of total damages, even those that cannot be seen with the naked eye. In this way, it will help you file an insurance claim that includes all expenses, so that you can get the best deal in the shortest possible time. An experienced public adjuster like Alconero & Associates can make a difference in your insurance claim.