The aftermath of a house fire can be absolutely devastating. A once-beautiful property that contained so many precious memories can be reduced to ashes in a matter of minutes. You are then left to pick up the pieces as best as you can so that you're able to rebuild and start anew. If you have homeowner's insurance, you may think that you are fully protected and will receive the financial support necessary to get back on track. The reality is that the terms of your policy may not be as cut-and-dry as you think. If there is ever a fire at your home, find out why you should hire a public adjuster immediately.
Know What Will Be Covered Before Doing The Work
Insurance policies are often drawn up using very complicated language. If you don't have a background in insurance, you might look at your policy and think it's written in a foreign language. There are so many different clauses and the wording can be so complex that you aren't able to fully comprehend the scope of your coverage. Instead of trying to reason it all out, you may figure that since you do have fire protection, the insurance company will pay for all damages.
The problem is that there could be stiff limits and exclusions that you skipped over while perusing the policy. For example, if your home suffered structural damage during the fire, you may decide to hire a structural engineer to come in and give you a report that details which aspects of the foundation will need to be repaired. This makes sense on the surface but the insurance company may not view this as necessary and could decide to deny your claim and refuse to pay the fee that you've already forked over out-of-pocket.
Let The Adjuster Be Your Guide
A public adjuster does just what the name entails: They work for the public. These adjusters are not attached to an insurance company, so they are able to provide you with unbiased, objective information that you can use as you file your fire damage claim. An experienced public adjuster will be able to decipher your policy and serve as your guide during the rebuilding process so that your claim is pushed through swiftly and you don't incur any unnecessary costs.
Fire damage claims can be hard to navigate. Consider hiring a fire damage claims public adjuster so they can simplify the process for you.