Fire Damage Public Adjuster in Linwood, NJ
No one ever expects to have a fire in his or her home or place of business. An unexpected fire can result from electrical problems, appliance failure, and kitchen grease, lightning strike to name a few. A fire insurance claim can often be the most complex type of property loss to navigate. While following the lead of the claim adjuster from your insurance company may seem like the path of least resistance, doing so will often lead to settlement delays, a grossly under-adjusted settlement and limited options for rebuilding and restoring your property and possessions. A public adjuster from Yeager Public Adjusting will work with you side by side, lead the process and ask the questions; because we’ve done this before and know you have not. (The worst mistake you can make, is allowing the carrier who’s paying you to determine what THEY owe. YPA sets the bar high and shows them what you are actually entitled too.)
Do You really have time to over see the full process and ensure you are getting what you should?
When a loss occurs you should do the following:
- Call our office immediately to get our emergency assistance with securing the home and the family.
- Do not move or discard any damaged goods. The carrier has the right to inspect the damages the way they are immediately after the loss. If you need to vacate the property, take any cash, jewelry, fire arms and ammunition with you to a secure area.
- Protect your property from further damage. Our team will property secure the property by boarding up any damaged windows or opening in the home, winterizing the pipes in necessary and securing proper locks.
- Do not clean-up damaged area until photos or video has been taken of the loss.
Following your call to our office and signing the contract, we do the following on a typical loss:
- Report the loss to the insurance company.
- Review your insurance coverage and apply it to the loss.
- Meet with insurance company representives including their contractors, engineers and cause and loss experts.
- Survey the damage and prepare a comprehensive estimate of repair on our state-of-the-art system.
- Photograph the loss and diagram the building.
- Inventory the loss of personal, business or stock items.
- Evaluate values of these articles in replacement cost and actual cash amounts.
- Assist the owners in locating temporary housing.
- Arrange for emergency services (i.e.) winterization of the plumbing system.
- Secure the building - arranage for board up.
- Negotiate the best possible settlement you are entitled to under the policy.
- Resolve difference of opinion between the insurance company and yourself.
