The majority of policyholders who have ever been a victim of a fire or has suffered damages to their property (home, business, etc.) from insurance fire claims will make costly mistakes during and after the claim has been settled. Unfortunately there always seems to be one grossly expensive mistake that most all policyholders make. It’s so simple that it’s hard to believe that people don’t even realize they have done it. Can you even imagine that many policyholder’s who has suffered a fire will rely solely on the insurance company adjuster’s opinion? They allow their adjuster to inspect their property, evaluate and process the claim, and create an estimate for the entire fire insurance claim… Without Any Questions. Imagine people like doctors, lawyers, accountants, willfully accepting the insurance adjuster’s own opinion without obtaining any comparisons, numbers from other contractors, or consulting a fire insurance claim professional. This is, without-a-doubt, the most costly mistake people will ever make in their entire life.

As if it’s not bad enough that your property was destroyed by fire, to then rely on someone else - who is not really there for you - to visit the property, inspect the damages, generate PROPER value, and then completely trust that they have your best interest in mind… Is Utter I N S A N I T Y !

Yet, we see policyholders in a state of shock allow this very thing to happen all across the world, every day of the year. It’s hard to fathom that most people have human instincts to count their “change” from a cashier at the grocery store or diligently review dinner bills, line by line, to make sure the waiter or waitress did not bill them for additional items. We all do that. We’re sure to go out of our way to calculate life’s little chump change. However, when it comes to fire insurance claim damages exceeding tens of thousands, even hundreds of thousands of dollars, without any questions… we rely on the insurance company.

No one knows your property like you do. There is much to do to properly prepare and configure fire claims that in most instances, items are forgotten or missed during the process. Especially if it’s done by someone at your insurance company. They don’t know about your building, your property, or your contents (furniture, clothing, etc.) like you do. How could they possibly be as accurate as you? Furthermore, just because an insurance company adjuster visits your property for an inspection does not mean they are a professional contractor, builder, or certified in fire and water damage restoration.

During the review of thousands of both closed and open claims, we find that both insurance companies and policyholders unknowingly and often miss hidden damages. The truth is - that in almost all instances; it’s a good idea to have a qualified professional review all fire damage claims. One should seek a fire insurance claims appraiser, a fire insurance claim consultant, or a fire consulting firm.

Too often policyholders are under the impression that if they deposit a check received from the insurance company into their bank account - the claim is settled and closed. This could not be any further from the truth. The fact are; that in most states policyholders have 3-years to make claims from the time the damages occurred. Claimants can even ADD items to an existing claim. So, the review of claims to be sure you have been fully compensated can occur, during the process of an existing claim or even after the claim has been closed and settled. More money from your claim is also obtainable even if your property or building has been removed, torn down, or demolished.

It’s true, even if claims have been settled and all insurance proceeds have been deposited, or the building has been torn down and removed, policyholders can recover more insurance proceeds if the damages were missed or not addressed properly. In most cases, tens of thousands, even hundreds of thousands of more dollars are recovered… AFTER the insurance company has closed the claim. Even policyholders that believe they have received a fair settlement… they usually have not.

However, it’s up to the policyholder to do their part to protect themselves. Here are a few tips to assist in the review of your fire insurance claim. There are tips if you are in the middle of your claim - as well as tips if your claim has closed some time ago.

1. During Claim Process - Document Your Building Damage: Take the time to inspect and document the damages yourself. Take photos of all damaged rooms in your building. Take overviews of the room and then take some close-up photos of the damaged ceilings, walls, floors, windows, doors, etc. of that room as well. Work your way around the building to the left (clock wise). Before entering the next room, closet, or hall - take an overview. This will be an easy way to organize which photos belong to which rooms. An example is; Overview of living room, then from top to bottom, photos of ceiling, walls, windows, doors, then the floor. Then the first photo of the next room is an overview, and so on. (No pictures or close-ups of contents yet, just the rooms.)

1. Closed or Settled Claims - Obtain Documentation Of The Building: Insurance adjusters visit the property to gather measurements and photos of the damage. If you have no photographs yourself, or a limited amount of pics - request that the insurance company send you all photographs that were taken by the adjuster. You should also request the complete estimate and diagram/sketch they used to arrive at the square footage and repair numbers. This type of documentation will be critical for you to have, as well as if the need arises for the fire insurance claim appraiser you choose.

2. During Claim Process - Document Your Contents Damage: Next is to visit each room and closet once again to inventory your contents. Take an overview photo of each piece of furniture, pair of shoes, shirts, pants, etc. Then a close-up photo of any damage on that item. Write each item down on a Contents Inventory Form. ( Download one by visiting http://www.insuranceclaimsgroup.com/forms.html ) Similar to the way you have photographed and organized your building damage photos, you should do the same with your contents. Example; Take overview photo of living room, then work your way around the room to the left (clockwise). Photograph and list all the items on each wall until you get back to the doorway you began at. This way items will not be missed or forgotten. Once the living room inventory has been completed, move to the next room and start by taking an overview photo of the room. this helps organize what room the contents were located. List the name of the room at he top of each page of your inventory list. Now the photos and the list are both organized in sequence with each other.

2. Closed Or Settled Claims - Obtain Contents Damage Documents: If the adjuster has done their job properly they have taken photos of the contents during the inspection as well. If you have minimal or no photos of your contents you should request all those taken by the adjuster. You also want to request a copy of the complete contents inventory they had written to arrive at your contents settlement numbers. This type of documentation will also be useful for the fire insurance claim consultants you may choose.

3. During Claim Process - Review Of Your Policy: Fire claim victims should take the time to and review their insurance policy. Most policyholders don’t even know basic information, like; How much building coverage do they carry? How much contents (furniture, clothing, etc.) coverage? How much they have to stay in a hotel, to rent a home or furniture? Surprisingly enough, many policyholders have no idea about any of this. In most cases this documentation has been burned in the fire. In such cases; policyholders can visit with their agent and request a “certified true copy” of their full policy. It’s also recommended to ask the agent to explain how much coverage you hold on your property.

3. Closed Or Settled Claims - Obtain Copy Of Your Policy: Contact your insurance company and request a certified copy of your “FULL” insurance policy, including the Declarations page. This documentation will be useful for the fire insurance claim consultant you choose.

4. During Claim Process - Consult With A Professional: The insurance companies have their adjuster visit your property, inspect your damages, and complete estimates on the amount of damage you have incurred. It’s very important you have the same exact process completed yourself. How does a policyholder know the insurance company adjuster has done their job correctly? Should you be willing to give up tens of thousands of dollars by not taking steps to be sure? The insurance adjuster should explain all the fire insurance claim coverage’s that is available to you, however, such information is rarely disclosed. Sometimes it is even done on purpose, and on other occasions it’s also done on purpose (Did you read that? Forgetting to advise you of certain coverage’s is usually withheld until you ask. More often than not; it’s done on purpose.) It is your belongings, it is your money, and it is your policy. You must educate yourself to ensure you’re being fully compensated for the fire damages. You should consider hiring a fire insurance claim professional. Someone who can look out for you and review the insurance company’s value of your loss. You need to be in-the-know by obtaining your own “real-world” costs and estimates to repair or replace your property.

4. Closed Or Settled Claims - Consult A Independent Insurance Appraiser: Have you been provided with a fair settlement? How is a person sure they have unless they consult with a professional? Anyone who is not 100% sure if they have obtained fair and full settlement from an insurance company, owes it to themselves to investigate. If policyholders have collected and reviewed all the docs and photos that are listed above; they have sufficient documentation to consult the opinion of an independent appraiser and insurance professional. A professional review of your claim documentation is all an independent insurance appraiser needs to advise if you were treated fairly. To consider leaving yourself in the dark, with no flashlight in sight, without knowing if you’re forfeiting tens of thousands and/or hundreds of thousands of dollars in the insurance company’s pocket - doesn’t make much sense at all. The minimal fee it would take to understand where you stand is a very tiny cost to pay. Compare that same tiny cost to a large chunk of insurance funds that you weren’t even aware existed… is a no-brainer.

(Free Consultation: Fire claims help is available. We will provide a free review of a present or closed free claim file at no cost. If needed; visit http://www.insuranceclaimsgroup.com or feel free to call us at 919-669-9111. )

The reasons are clear and simple. The fact is this, the adjusters work directly for the insurance company, where the fire help appraiser or consultant works directly for you. You already made the right choice by making sure you were properly insured. It is now up to you to continue with the next steps. That is to research that you have properly compensated for the policy you paid for.

Get the important fire claims advice and details you will need to make sure your repairs take place quickly! When you need assistance with fire help, dial 919-669-9111!

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