Fire Damage Claims
Anyone who watches a newscast in Ft Lauderdale Broward county or all around the US is aware of the losses created by fires. Losses that include property damage, bodily injury and deaths. Florida insurance companies pay out hundreds of millions of dollars each year for this devastating peril.
Ft Lauderdale homeowners, business owners and landowners all suffer from losses due to fire. We think of a fire risk in a home as the result of bad wiring, kitchen fires, chimney fires and dryer fires. We think of fire risk at a business as the result of bad wiring, office machine failure and lightning strikes. What we see on the news is Wildfires. Out of hand wildfires can destroy thousands of acres of property and burn entire communities to the ground, leaving behind business and homeowner devastation.
It is important to realize that even a small kitchen fire can create a large amount of damage. Unlike, smoke flows throughout a building penetrating almost any kind of structure causing hidden damage and odor. The deodorization, soot removal and smoke removal are key components of the post fire repair process. That tedious and expensive recovery shouldn’t be paid by the policyholder, the insurance company has to, if it is covered by the policy, put the property in the same condition it was before the fire damage, the smoke damage , and any kind of property damage created by fire, even if it is an insignificant fire originated in the room of the house used for food preparation and cooking, that left behind some burnt corners on the kitchen cabinets.
The insurance industry in south Florida and nationally, as expected, has responded to these tremendous fire losses by changing the definition of “fire” in the policy and inserting exclusions. For example, an insurance company may reimburse for property that was burned by a fire but not necessarily property that was ruined by the fire’s smoke. Some will not pay for water damage created by the fire hose used to extinguish a fire even though the water prevented the fire from consuming the property. There are other issues that can leave the homeowner or business owner paying out of pocket. Limitations inserted for losses to antique property, art collections, jewelry and firearms are in most every policy. Old homes or buildings are often valued improperly due to the uniqueness of their construction.
To eliminate these surprises, understand what you are purchasing when it comes to property insurance. Ask the right questions and yes, read the policy.
If you suspect to have suffered property damaged by fire, do not delay! Contact now All Claims Solutions, the fire insurance claims experts that will work for you, not the insurance company, recovering maximum payouts for your property loss.
All Claims Solutions based in Ft Lauderdale, Broward, providing assistance on fire damage insurance claims in the try-county area of SouthFlorida.