Prioritize Safety

Before embarking on any fire debris removal activities, prioritize safety. Ensure that you and your family are safe and that there isn’t a risk of another fire occurring. Verify that the property is structurally stable and free of immediate hazards.

Soot, debris, and ash are hazardous materials that can pose long-term health risks. Wait for clearance from the fire department before entering the property. It’s advisable to wear protective gear, such as gloves, masks, and sturdy footwear, to safeguard against potential risks.

Report and Document Damage Before Removal

Before any debris is cleared, contact your insurance company as soon as possible. The sooner you report the fire, the quicker you can proceed with hiring contractors for debris removal. However, it is crucial to thoroughly document the damage before moving or touching any debris.

Take extensive photographs and videos of each affected area, capturing the extent of damage from fireworks and any valuable items that may have been lost or damaged. This documentation will be invaluable when filing your insurance claim.

Documenting Debris Removal Expenses

Under the terms of your insurance, you are typically responsible for removing debris. Therefore, it’s essential to hire a contractor or a restoration business to handle the debris removal. In many cases, insurance companies will cover a portion of these costs.

Keep detailed records of all expenses incurred during the debris removal process. This includes costs related to professional services, equipment rental, waste disposal, and any additional expenses associated with the removal and cleanup efforts. These documented expenses will be crucial for your insurance claim.

Don’t Do It Alone

Consider enlisting the help of professionals experienced in fire debris removal. They possess the expertise, equipment, and knowledge to handle the process efficiently and safely. Seek recommendations from your insurance company, local fire department, or reputable restoration companies.

How Much Will Insurance Cover for Fire Debris Removal?

In most cases, homeowners insurance covers the expense of clearing debris after a house fire. However, most policies have limits on debris removal costs.

For instance, a policy may limit the amount of a claim’s payment to a certain percentage. If a policy had a 10% limit and the claim was for $50,000 in damages, the insurer would cover up to $5,000 in debris cleanup charges.

Some policies include additional coverage for debris removal, such as $10,000 in extra coverage, which often comes as a rider to your policy. This additional coverage may require paying a higher premium. Ensure you clearly understand what your policy covers before contacting contractors.

Consult with Professionals for Claims Assistance

Dealing with insurance claims can be complex and frustrating. Insurance companies don’t always make the process easy to understand. In this situation, consulting with a public adjuster can significantly benefit you during the debris removal and claims process.

Public adjusters work on behalf of policyholders to navigate the complexities of insurance claims. They possess expertise in assessing damages, estimating costs, and negotiating with insurance companies, ultimately maximizing your claim settlement.

Maintain open and consistent communication with your public adjuster throughout the debris removal and claims process. Provide them with all necessary documentation, including photographs, videos, receipts, and relevant reports from debris removal professionals.

Atlantic Adjusting Co. Is Here to Help

Navigating the aftermath of a house fire is challenging, but you don’t have to go through it alone. At Atlantic Adjusting Co., we have the expertise and experience to help you through the fire debris removal and insurance claims process. Our team of licensed professionals is dedicated to ensuring your rights as a policyholder are protected, and you receive the maximum settlement you deserve.

If you need assistance with your claims process or are worried that you aren’t receiving fair treatment from your insurance company, contact us today. Let Atlantic Adjusting Co. help ease your mind and guide you through the rebuilding process with confidence.