Getting the Insured the Maximum Settlement for the Loss to return back to Whole
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RESIDENTIAL & COMMERCIAL INSURANCE CLAIMS
FIRE DAMAGE CLAIMS - WATER DAMAGE CLAIMS
Toll Free 888-688-5078
Los Angeles, County, Inland Empire, Riverside County, San Bernardino County, Orange County,
Santa Barbara County,Ventura County
CALIFORINA PUBLIC ADJUSTERS
INSURANCE CLAIM MANAGEMENT THROUGHOUT CALIFORNIA
WE SERVICE RESIDENTIAL AND COMMERCIAL CLIENTS IN AND AROUND INLAND EMPIRE, ORANGE COUNTY
RESIDENTIAL AND COMMECIAL FIRE DAMAGE PROPERTY INSURANCE CLAIMS
SERVING CLIENTS IN AND AROUND INLAND EMPIRE,ORANGE COUNTY, LOS ANGELES
Dealing with fire damage claims can be quite challenging, especially given the extent of the damage and the intricacies involved. If your Inland Empire home in Orange County, Los Angeles has experienced fire damage and you're feeling stressed about handling your homeowners insurance claim, you've come to the right place.
PUBLIC ADJUSTING SERVICES FOR FIRE DAMAGE INSURANCE CLAIMS
Watching your Inland Empire home burn is a traumatic experience. It’s like watching a part of your life go up in flames. Unfortunately, filing and managing a fire damage insurance claim is often not a pleasant experience either.
Fire damage claims can be very complex and can take a long time to finalize. Understanding the fine print in your insurance policy, negotiating with an insurance adjuster, and dealing with contractors can be hard and time-consuming! In addition, you might require specialist service providers such as:
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A professional fire restoration company to clean and decontaminate your home.
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An accredited asbestos abatement contractor.
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A certified industrial hygienist to test the air quality to make sure you’re living in a safe environment, free of toxic particles.
Statistics from the U.S. Fire Administration shows that each year fire departments respond to an estimated 368,500 residential fires across the United States.
On average, these fires result in 2,770 deaths, 11,650 injuries, and $8.1 billion in property losses. In 50% of residential building fires, the fire spreads beyond the room of origin.
California Public Adjusters - The Trusted Public Adjusters in Inland Empire, Orange County, and Los Angeles
California Public Adjusters is a BBB A+ rated residential & commercial Insurance Public Adjuster Company. Our team helps you navigate the tedious and stressful process of filing insurance claims with zero out-of-pocket expenses. We will maximize your claim amount to ensure you get what’s rightfully yours, regardless of dealing with denied or underpaid insurance claims.
Underpaid or denied by your insurance company? Call us now for a FREE CLAIM ASSESSMENT! 1-(888) 749-6675
Will Homeowners Insurance Cover My Fire Damage Claim on my Inland Empire Property?
Actual fire damage is often only one component of a larger claim that might include smoke damage and water damage. And it doesn’t stop there.
SMOKE DAMAGE
WATER DAMAGE
SMOKE DAMAGE
Smoke can dissipate quickly but it’s very invasive. Even if there are no visible signs left of it in your house, there could still be toxic smoke particles present. It’s not considered safe to live in a house with smoke and fire damage.
This adds another component to your homeowners insurance claim, namely Additional Living Expense (ALE) coverage. It pays for additional expenses you have to incur such as renting a hotel room if you can’t stay in your house.
NOTE for Inland Empire California Homeowners: You have no less than 24 months to collect ALE in the event of a declared catastrophe for wildfires even if your policy says otherwise. However, your amount of coverage is not increased.
WATER AND STRUCTURAL DAMAGE
High-pressure water hoses used by firefighters to extinguish a fire might cause water damage to areas that suffered no apparent fire damage. Another insurance claim is structural damage. The extreme heat generated by a fire might cause structural damage to your home.
ASBESTOS AND LEAD
Millions of homes contain asbestos and lead-based paint. When left undisturbed and if it’s not deteriorating, lead-based paint and asbestos-containing products are typically not hazardous.
In the event of a fire, microscopic asbestos fibers and minute particles of lead may be released into the air. This might pose a potentially serious health hazard.
NOTE: Most insurance companies don’t offer “pollution coverage” which includes the removal or abatement of asbestos and lead. However, they might make an exception if it’s required as part of the repairs to your Inland Empire home.
WHAT ARE THE BENEFITS?
Why You Should Hire California Public Adjusters for Your Fire Damage Insurance Claims in Inland Empire?
Here are some of the main reasons why it’s smart to hire us:
EVENS THE PLAYING FIELD
A licensed public adjuster like California Public Adjusting knows how to manage your homeowners insurance claim in Inland Empire on your behalf. They know the rules, understand your insurance policy, and act in your best interests.
SAVES YOU TIME
Finalizing a fire damage claim can be a long and complicated process and hiring us might save you a lot of time!
NEGOTIATES ON YOUR BEHALF
Negotiating with an insurance adjuster can be difficult and frustrating as they act in the best interests of the insurance company and will always try to save your insurer money. California Public Adjusters in Inland Empire can help to ensure that you don’t get a bad settlement offer.
FASTER SUBMISSION OF INFORMATION
If you’ve suffered fire damage to your Inland Empire home, you want your insurance claim and repairs to be finalized as soon as possible. California Public Adjusters handle insurance claims for a living and we know how to quickly organize and submit the correct documentation and manage the process.
WHEN DO I NEED TO FILE A FIRE DAMAGE INSURANCE CLAIM?
Most insurance companies require prompt notice. So notify your insurer or agent right away if your Inland Empire home has suffered fire damage.
You’ll be required to provide them with details of the incident, including the date it occurred and the condition of your home. If you are unavailable to live in your home, ask them if they can give you an advance payment for Additional Living Expense (ALE) coverage.
A fire damage claim typically requires a lot of input from your side that you might not be able to provide right away. Ask your insurer to walk you through the process so you can submit the correct documentation timeously and in order of priority.
DON'T THROW ANYTHING AWAY JUST YET!
It’s important not to throw anything away before you’ve spoken with your insurance company’s appointed insurance adjuster. Even if your belongings are unsalvageable, presenting them to the insurance adjuster may help to support your claim.
Disposing of items prematurely might give the insurance adjuster grounds to deny certain aspects of your claim.
A public adjuster can work with your insurance adjuster to obtain a thorough and complete inspection of your property.
A big challenge after a fire damage event is hidden damage that isn’t immediately obvious or visible. An experienced public adjuster can help identify possible sources of hidden damage so they can be repaired quickly. This inspection should also include an evaluation of:
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Roofing
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Cabinets
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Structural integrity
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Flooring
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Windows
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Electrical system
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Plumbing
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Heating and ventilation systems
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Interior walls
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Air quality
You have the right to see your property returned to a uniform and consistent appearance. This can be difficult to achieve after a partial loss. However, with the help of a public adjuster like California Public Adjusters, homeowners and business owners residing in Inland Empire are all covered!
DO YOU OWN A CONDO OR APARTMENT THAT HAS SUFFERED FIRE DAMAGE
In the case of a condo, fire damage is typically covered by a condo insurance policy. But it can get quite complicated. A fire can start in your own unit but it can also start in a neighboring unit or common area.
There are usually two types of policies involved, namely your own condo insurance policy and your condo association’s master insurance policy. The question is whose insurance pays for the fire damage? This isn’t an easy question to answer.
It depends on the origin of the fire and what the impact was on your unit and other units in the complex. You (or your insurer) and the association (or its insurer) may both be responsible to pay for damages.
In the case of an apartment fire, damage is typically covered by apartment building insurance policies. If you’re a landlord, make sure you have “loss of rent” coverage. It will usually last for the duration of repairs or up to one year, whichever comes first.
Whether you’ve received a bad settlement offer or don’t have the time and experience to deal with an insurance adjuster and contractors, a public adjuster can help. California Public Adjusters has extensive years of experience as a public adjuster in Southern California. We protect homeowners and business owners from the games and fine print that insurance companies are known for in Inland Empire.