Homeowners Insurance Claims for Fire Damage

A house fire is one of the most traumatic events you can experience as a homeowner. When shelter and the livelihood of your family are at stake, our team of public adjusters is there to lift the burden and work on your behalf to get you the most beneficial claim settlement to get your life back together.
As you consider how to deal with an insurance adjuster after a house fire, a call to our team of professional public adjusters can be life-changing.

Pieces of your life have just been lost in a blaze. Your family is without a home. What does your homeowners insurance policy cover? Do you know where to start? How will you know for sure you will get enough to provide for your family? Whether it is partial or extensive fire damage, the time and stress in dealing with your insurance company can take you away from focusing on your family’s immediate safety and well-being. We are there when you need it the most.

We are your trusted advocates and resource in the insurance claims process. We thoroughly document the damage to your home and its contents. We identify the hidden damages that may cause later problems, which may have been missed by your insurance company’s adjuster. We provide a full proof of loss to help maximize the amount you are entitled to recover from your claim. And we negotiate that claim on your behalf to ensure just that.

What To Focus On After Fire Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How can I minimize the emotional toll on my family?
  • How large of an advance should I expect?
  • What is a “scope of loss?”
  • How can the adjuster represent both me and the insurance company?
  • Can my agent really help me with preparing my claim?
  • Why is a claim strategy so important?
  • Understand all of the stake players (board up contractor, contents remediation company, insurance agent, insurance adjuster, public adjuster) and their respective interests. Get educated.
  • Successful evaluation of damages hinges upon a well-coordinated effort between estimators, inventory specialists, and consultants. Do you have the right experts lined up? Should you only rely the insurance company’s cadre of experts?
  • Can smoke damage be cleaned completely from soft goods? Hard goods? Structural elements?
  • What if someone in my family has severe allergies or compromised health?
  • What about mold caused by the water damage? Is that damage covered?
  • What if I incur costs to dry everything out to prevent mold, are those costs covered?
  • What is pressurized smoke?
  • What is the difference between letting the cleaning company remove the contents to estimate the damage and hold them versus removing and cleaning them? Should I let the cleaning company take and clean everything?
  • Can the contract for emergency board up authorize the contractor to do more work than I need done immediately?
  • How long am I really going to be out of my house?
  • Do I have to use my advance to buy furniture for the rental home? Why can’t I just rent the stuff?
  • How much of my time will this take?

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Valuing, documenting, and substantiating every detail.
  • Communication Keeping you informed every step of the way.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Homeowners We Have Helped

On behalf of my parents, who retained your services to protect their interests as the insured landlord in a recent commercial establishment major fire loss, please accept my family's most sincere appreciation for the professional level of service provided by AI/BLC... Considering all the time that passed and challenges that were encountered between the date of the fire and the reopening of the premise, it is no small miracle that the property was fully reconstructed to a state greater than before the fire... Your firm helped us to protect and restore my parents' financial security.
Michael Such
Homeowner, Watervliet, NY
Testimonial

Norwich, New York Firearms Manufacturer, CZ-USA/Dan Wesson Firearms, suffered devastating fire damage on November 14th, 2012. While testing out a new gun, the backfire from the shot caught material, causing a multi-level fire in the building.

For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.

  • Andrew Degrazia - Pittsford, NY
  • Andy Walker - Brockport, NY
  • Anna Glass - Machias, NY
  • Arlene Lisa Thomas - Syracuse, NY
  • Aryn Bielski - Oakfield, NY
  • Audra Mace - Niagara Falls, NY
  • Barbara Dunkleman - Gowanda, NY
  • Barbara Olson - Center Lovell, ME
  • Barry & Marilynn Nowicki - Orchard Park, NY
  • Bill and Michelle Martin - Whitesboro, NY

Related Resources

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 877.482.1234 or fill out the form below:
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Meet Your Public Adjuster
Steve Vanuga
Steven Vanuga
Executive Vice President
Through his extensive knowledge of both the insurance industry and property insurance policies, Steve is able to empower our clients to achieve maximum results from their property insurance claims.
Contact him today!