November 18, 2017

NC Fire Damage Insurance Claims

Every year, thousands of homes suffer from NC fire damage, soot and smoke damage.

NC Fire Damage

House Fire - Devastating Property Damage Cause

American Property Loss local NC Public Adjusters are available to do a complete review of your NC fire damage insurance claim. Our NC Public Adjuster handle everything from initial on-site NC fire damage estimates to reviewing your insurance company adjuster estimates for completeness. Our local NC Public Adjusters are experienced and ready to get your life back in order after andy NC fire damage.

About NC Fire Damage

Fire in its most common form can result in a blaze,which has the potential to cause physical damage through burning. A fire can be accidental, naturally caused by lightning, electrical shorts, cooking fires, wildfire, or intentionally set by arson.

Lightning is a common cause of NC fire damage

Lightning is often the cause of fires or damage to electrical systems and other parts of a house. Lightning is caused when storm clouds cool below a certain temperature, and positive and negative electrical charges in the clouds’ water vapor separate from top to bottom. Negative electrical charges at the bottom of the cloud build up until a magnetic attraction causes those particles to ‘jump’ to positively charged particles accumulating at the ground. There are thousands of lightning strikes in our state every year, and each has the potential to do great harm to people and damage property – and cause a lot of NC fire damage.

Interior NC Fire Damage

Interior NC Fire Damage

Understanding NC Fire Damage Claims

Even a small fire produces a significant amount of residual property damage. Smoke can spread to your furniture, clothes, electronics and ventilating system. All NC property insurance policies provide coverage for losses resulting from fires. Depending on the level of exposure, you may need to consider a higher deductible to obtain coverage, or keep it affordable. So if your home has been completely destroyed by a fire or if the roof has been burned, your insurance company will pay to have your home rebuilt or to have the roof replaced. It will also pay if flames and smoke have damaged any other part of your home.

Your insurance company might cover your housing expenses as part of your NC property loss claim, depending on your plan. These “additional living expense coverage” or “loss of use coverage” options will pay for similar housing while repairs are being made to your home or if you permanently relocate. Typically, you need to seek reimbursement for expenses incurred. Also keep in mind that payments do no cover lost wages or earnings.

In addition to paying for property damage to the dwelling, homeowners’ policies cover other structures on the premises, such as a garage or tool shed, as well as damage to your furniture, clothes, appliances and other personal possessions up to the limits of your policy.

Insurance companies constantly try to cut corners on NC fire damage insurance claims in an attempt to save money. Losing your home and personal belongings to a fire is already a devastating experience. The last thing you want is your homeowners’ insurance company giving you a hard time regarding your North Carolina fire damage claim.

Tips When Filing an NC Fire Damage Insurance Claim

Filing Property Loss Claim

Filing NC Property Loss Claim

Ask for an advance against your ultimate NC fire damage homeowners insurance claim

If you were forced to evacuate due to the dangerous conditions, you may not have grabbed essentials like toiletries or clothes for school and work. Ask your insurance company to bring a check to wherever you are staying. That way you can go purchase your necessities without having to wait for your ultimate insurance coverage. This advance will be deducted from the total amount you finally receive from the insurance company.

Make a list of everything you’ve lost in your fire and do not throw anything away

You will want to make a list of everything you lost in the fire. You want to be sure to start making this list as soon as you can so that you are able to remember to include everything lost by the time you file your North Carolina fire damage insurance claim.

Be sure not to throw anything away. Many people make the mistake of tossing things in their homes that are completely ruined, either by smoke or fire damage. Remember that the insurance claims adjuster will want to see these things to include them in the coverage. It will be easier to prove that you really lost the items on your list if you hold on to them for the insurance claim adjuster to see. If you throw them away, the insurance company may refuse to compensate you.

File your NC fire damage claim right away and press the insurance company to act ASAP

The insurance company will require you to submit a “proof of loss claim”. This is the form on which you include all of the items you lost, including their value. Your prompt action is especially important if there were many other homeowners affected by the fire.

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