Evaluating the Scope of Loss Our First Step in Preparing Your Claim for Submission
When a fire loss occurs it has a devastating effect on a family or business in terms of stress and confusion. Nevertheless, extremely important decisions must be made which will have serious consequences on the outcome of your insurance claim.
Don’t feel pressured to make decisions you just aren’t sure about. Call an expert at Focus claims. We can apply decades of hands-on professional experience to your fire loss and assist you in navigating the complex process to ensure the requirements of your insurance carrier are met and that you get a fair and honest settlement for your fire claim.
All the components of a severe fire combined (smoke, soot, heat, water and the fire itself) can cause enough damage to make your business or home nonfunctional or uninhabitable. Items such as electronics and mechanical equipment in seemingly remote areas from the source of the fire can be damaged by the corrosive nature of hydrochloric acids contained in the smoke of common structure fires.
So before you begin the restoration process you must determine whether or not these types of items are repairable or a total loss. Too often we see policyholders spend limited resources on disaster restoration on items that will ultimately be replaced in the end. These “restoration” funds come from your policy limits so in effect you’re subtracting from funds allocated to pay for items that are, in fact, a total loss.
Don’t make these common, costly mistakes. Call Focus claims so we can analyze your insurance policy to see how it applies to your specific situation and then we’ll properly determine the scope of loss in order to ensure you’ll be able to return your property to pre-loss condition.
