Fire Damage Daytona Beach

What should I do if I suspect there’s a fire in my home? Will my insurance company pay for all my fire damage? How do I manage until I receive my claim amount?

Thoughts like these may trouble your mind when you think of the word ‘fire’ and the consequent destruction that follows inevitably. You’ve heard horror stories of persons who lost their hearth and home to fire, so you want to be well-prepared for such an eventuality. Lack of rainfall creates a dry spell that could be hazardous, especially with the strong winds spreading wildfires relentlessly. As per data released by the National Fire Protection Association (NFPA), kitchen fires are the primary cause of damage by fire. Fire also occurs due to electrical short circuits while cooking at home and due to lightning.

And to protect your lovely home in Daytona Beach, you need to purchase a good homeowner’s insurance policy from a reputed insurance carrier. While a standard homeowner’s insurance policy will cover damage resulting from fire, it’s always a good idea to read all the exclusions carefully. If fire damage is not included, you could also opt for a fire insurance policy in addition to your existing homeowner’s insurance policy. This will provide coverage in case of fire due to any reason like a gas explosion, faulty wiring, wildfire, or lightning. Your coverage would either be on an actual cash value or replacement cost basis . In a rare situation where repair is impossible and it’s considered to be a total loss, your insurance company would rebuild your home at market value. Your insurance policy may also include coverage for injuries sustained by you due to the fire damage.

A fire insurance claim can get very difficult as insurance carriers are constrained to reduce your amount of pay-out as it threatens their profitability. So, the best thing is to contact a public adjuster who is a licensed professional. Connect with Experienced Public Adjusters in Daytona Beach for the best possible management of your fire claim. Right from assisting with the paperwork and the on-site inspections, we negotiate with the insurance company to get you a fair settlement. Our expert team is familiar with the state statutes, building codes, local construction costs, and permitting requirements.