Dealing with damages due to a fire can be stressful and time consuming. The first thing people do is to panic, well don’t. We know that it’s easier said than done but it is important to remain calm. Your next steps should be to keep your family safe and away from all the fire damages. Your number one priority should be towards you family.Once you’ve handled that, you should contact your Public Adjuster f0r fire damage in Miami, FL to help you file a claim with your property insurance company. This will help you in case you need financial help or stability. Fire damages are hazardous and difficult to recover from especially if its severe.
Most Common Causes for Fire Damage
- Faulty wiring is a very common cause especially if the appliance was not installed properly
- Lightning from thunderstorms can sometimes be a cause
- Many house fires are due to cooking accidents
- Committing arson
- And gas leaks
Fire Damage and Your Home Insurance
Homeowners or business insurances should cover fire damage depending on what is on your policy. But for the most part, damages due to a fire is covered. Your homeowners insurance should also cover your additional living expenses if the fire damage is that extensive causing you to not be able to live at home for the time being or when repairs are being made. Our Public adjusting company which specializes in fire and smoke are here to help you every step of the way to ensure that all the proper paperwork is filled and looked into.
How To Obtain A Fire Report For Your Insurance or Public Adjuster
If you’re insurance company or public adjuster is asking you for a fire report from the fire department here’s how you can get it:
- First, you need to obtain a fire incident report. This could be given to you by a firefighter that was on the scene or you can ask for one through your locale fire department
- You can get a fire report within 10 business days following the fire.
- Once you’ve obtained a request form be sure to provide the time, date and location of the incident. If you don’t exactly know, you can estimate it.
- You may have to pay a fee but for the most part, it is free with the exception of arsenal cases.
Contact us if you need a Miami, FL public adjuster for fire damage. We can assist you in this process until you get the monetary settlement that you need so that you are able to restore your property.
Preventing Fire Damage in Miami
There are many ways to prevent a fire from your home or business. Some prevention tips for having a fire are:
- Make sure your fire alarms work.
- Have a fire extinguisher if needed.
- Install a fire door if you’d like to take extra precautions.
Statistics of Fire Damage in Miami
- There have been 88 fatalities due to a fire in a home just in 2017 alone.
Should I still mitigate the damages in my property after a fire?
Yes, because there is a high rate of burglary and vandalism in Miami, FL after a property has experienced a fire. Mitigating your property is important because if you don’t your insurance company will deny your claim.
My insurance company told me to use their hired fire restoration team, can I use another company?
Yes, you can definitely use another company! You are allowed to do your research and all for another fire restoration team.
Am I allowed to clean fire damages made to my home by myself?
Attempting to restore your home by yourself is not advisable due to hazardous conditions made to your home, your safety, and your health. If the damages are not as bad as an entire home, it still isn’t advisable, but it is doable. We recommend that you do seek a professional when restoring your home.
What should I be aware of when reentering my home after a fire damage?
Electrical wiring and the quality of the air are a couple of things you should be aware of because they are very dangerous especially if you don’t know if the electrical wires are still alive and working. Removing debris can also be a hazard so are chords that were burnt and there could be a slip and fall incident. Have someone with you when you go back into your home, don’t be alone because if something were to happen to you, the other person can get help for you.
Can I use my A/C even if the fire was only done to a small section of my home?
It is not advisable for you to turn your heater or air conditioner on without getting permission from an HVAC contractor or technician.