Recent Results:

State: Florida Public Insurance Adjuster
County: Indian River County Public Insurance Adjuster
City: North Beach Public Insurance Adjuster
North Beach FL 32963  – Neighborhood: Savannah Drive
Claim Type:  HVH ( High Value Home) Reverse Osmosis System Leak – Water Damage
Insurance Company Original Offer: $61,000
Alpha Public Insurance Adjusters Settlement: $245,000(New Kitchen+)
Percentage Increase: +300%

What to Know When Filing Smoke Damage Insurance Claim 

Very little is more devastating than experiencing residential fire damage. Even if you have smoke damage insurance (smoke being an aftermath of the fire), you may have trouble filing a claim. Insurers often overcomplicate the claims process to find ways to lower or deny the policyholder’s claim. Without the right support, you may end up paying more out-of-pocket expenses than you should. If you are in North Beach, Florida and the insurance companies are giving you a hard time, we can help. First, let’s talk about what you need to know when filing this type of claim. 

Document Your Losses 

When we say document your losses, we mean to do so thoroughly. Make a list of all damaged and destroyed property/items. This inventory should include: 

• Date of loss/damage
• Type of loss/damage 
• Where the damage occurred
• Injuries caused by the damage (if applicable)
• List the names of parties who were involved 
• Document your damaged home (but also add a description of the damage)
• A report from the police and fire department 
• Items that need to be replaced or repaired 

Don’t let anything slip through the cracks. We understand this step can be time-consuming, so you should know you aren’t alone. If you need help taking inventory, our team is here to help. 

File Within the Appropriate Time Frame  

You will be required to file your claim within a certain timeframe. Find out how long it takes to contact your insurance company after your home sustains fire damage. We recommend contacting them immediately after you have reviewed your insurance policy. If you don’t file on time, this can result in claim denial. 

Does Your Insurance Cover This Damage? 

There is a lot that policyholders expect their policy will cover, but later find out is not covered. The good news is most homeowners’ insurance policies cover fire/smoke damage. You should receive compensation for replacing/repairing damaged property and items caused by fire, smoke, soot, and ash. Soot is the trickiest byproduct of fire damage because it can cause harm without your knowledge. As a result, contact a professional restoration company to locate the soot in seen and unforeseen locations. Not only must this damage be documented but must be restored for your safety and that of your family. 

Damage Caused by a Fire That Wasn’t in Your Home? 

Fire and smoke spread quickly and vastly. If the fire began at your neighbor’s house, it could quickly get to your house and cause damage. What steps should you take then? 

First, contact your insurance company. Speak with a representative who can guide you through the next steps. If they try to give you the runaround, and you go days without seeking the help you need, understand that you’re entitled to better service. You pay a lot for your insurance to protect you for such occasions. They can get away with bad behavior, but not if you hire a public adjuster. When you reach out to Alpha Public Insurance Adjusters, we’ll provide the guidance your insurer neglected to do. We will also deal with the insurance company to ensure they receive the document of property/items in your home that were damaged by smoke, soot, or ash.

Contact Alpha Public Insurance Adjusters 

Some people are not aware of the corruption that goes on within insurance companies. They will attempt to pay the lowest settlement within the law. And in many cases, they get away with it. This won’t happen if you hire a professional public adjuster when filing smoke damage insurance claims in North Beach, Florida. 

What can you expect the insurer will do if you don’t hire a public adjuster? 

• Conduct an inadequate investigation. In some cases, insurers will wait to send out an insurance adjuster, who will then rush through inspecting the property. 
• Drag out your claim. Their goal is for the policyholder to give up after a certain amount of time. 
• Doesn’t notify you of deadlines. It’s important you stay on top of deadlines because the insurance company may notify you of all deadlines to complete your claim in a timely manner. 
• Deny your claim. They could have a legitimate reason for denying your claim. This will involve a thorough investigation on your part. In other cases, they act in bad faith and deny claims that should be covered.

By hiring a professional, you eliminate bad faith practices and can restore your home as quickly as possible. Call (888) 442-5742 to schedule a free consultation.