Tips For Working With A Fire Damage Adjuster After A House Fire

Even a small fire contained to one room in your home can destroy a lot of things inside a house. It is not just the fire that damages a home; it is also the smoke. Smoke damage is just as dangerous and harmful as the flames from a fire, and this is essential to know if you are trying to settle your claim. As the homeowner, you will work with a fire damage insurance claims adjuster to settle the claim, and here are some tips to keep in mind during this process.

The Settlement Includes Money to Replace Things Destroyed

One thing the fire damage adjuster will do is add up the costs to replace the materials inside and outside your home that the fire damaged. If it was a kitchen fire, you should receive compensation to replace all the cabinets if the fire destroyed them, and any other parts of the kitchen affected by this event. Make sure the claim covers the costs of repairing the drywall and repainting the room, too.

You Should Receive Compensation for Personal Items

If you lost personal items in the fire, you should receive compensation for these items, too. The adjuster may ask you to make a list of all your personal things destroyed or damaged by the fire. You should receive compensation for these items if you have personal contents coverage on your policy.

Make Sure You Consider Hidden Damages

One of the most challenging parts of settling a fire damage claim is determining all the hidden damages you have from the event. For example, smoke damage can linger through an entire home, causing damage to everything in the house. You may need compensation to have a company clean everything in your house from smoke damage. You should also find out if the fire caused mold to form inside your home, as you can receive money to have this addressed, too. If your furnace was running when the fire occurred, you should also discuss getting the air ducts cleaned. The air ducts can pull the smoke into them and spread it through the house from a fire.

You have one chance to settle your fire damage claim, so it is essential to know what to ask for. You will want to make sure you receive enough compensation to cover everything that the fire damaged in your home. To learn more about the process, talk to a claims adjuster today. 

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