3 Tips for Resolving Smoke Damage Claims
When your property is damaged by smoke from a neighboring building, the insurance claim process may be anything but clear. Fortunately, there are some things you can do as you work with your insurance company to improve the results of a smoke damage claim.
Keep Thorough Records
Written records and photographic evidence of smoke and soot damage is crucial to the successful resolution of a claim. Your records should include a lot of information:
- The date of the fire
- The type of damage and any related losses
- Names and contact information of the involved parties
- A description of all affected contents
- Estimates for the cost of repairs and corrective action
- Reports from the police and fire department
Contact your insurance agent to find out if you need any other information. Keep these records in a safe place, so you can provide copies as needed by various authorities.
Hire Professionals for Repairs
As smoke damage spreads throughout your building, soot settles on carpets, equipment, and furnishings. Professional smoke cleaning companies can help you avoid further damages, and they are likely to work with your insurance company. If you try to attempt repairs on your own, you could do additional damage and reduce the amount you could get from your insurance provider.
Call a Public Adjuster
Even if you are confident in your insurance company, a public adjuster provides an unbiased estimate of the cost of the damage. This information can help you develop a realistic understanding of how much money you may get from the claim. The participation of a public adjuster could influence your insurance company, particularly if the company is likely to minimize their estimate of damages.
Smoke damage losses are generally covered by insurance companies. Use these three tips to improve your chances of getting sufficient reimbursement when your Bartlett,IL, business has been affected by fires in adjacent buildings.