Fire property damage in Redding and Shasta County

5/14/2018 (Permalink)

Redding Home - Fire, Smoke & Soot Damage. Also remember Water Damage comes from the firefighting efforts. Call SERVPRO at (530) 222-0200

California Fire Insurance Claims and SERVPRO

The potential for loss of life and property in our community from a catastrophic Northern California fire is heartbreaking to consider. SERVPRO of North Shasta, Trinity & Greater Tehama Counties is by your side working with your agent, insurance claims adjuster, and insurer with a goal of achieving a settlement that you believe is fair and consistent with your coverage. We understand your challenge. Fire damage loss takes away the safety, security, and sometimes lifetime of memories we all know and cherish in the place we call home.

Our SERVPRO office staff and team of property damage restoration experts understand some of the key insurance coverage terms that typically apply.  We provide these tips to help you settle a claim and avoid common pitfalls that can occur along the way.

1. The more information you have about your damaged home and belongings, the sooner your claim will be settled. After the fire department has left, time is of the essence and fast content clean up and emergency board up is essential to protecting your property.  SERVPRO technicians assess the fire damage.

2. We work along side insurance adjusters to evaluate three areas:
   1. Degree of damage
   2. Quality of materials and workmanship
   3. Measurements needed to calculate quantities

3. Obtain a complete copy of your residential insurance policy, including your declarations page.

4. Take note of your Additional Living Expense (ALE) limits and manage your ALE expenses in recognition of a long rebuilding process.

5. Track all of your additional expenses that arise from having to live in another location away from your home.

6. Document all of your conversations with your insurer/adjuster about your claim and policy limitations.

7. Get at least one licensed contractor's estimate or bid on the cost to rebuild your home. We work with some of the best and most reliable contractors in Shasta, Trinity, and Tehama counties and can provide contact information upon request. Phone us at (530) 222-0200

8. Public adjusters require a percentage of the claim settlement for their services. Make sure you understand what they charge and the services you are paying for before you sign a contract. Also, a public adjuster cannot charge a fee for payments already received from the insurance company, so you should consider getting as much advance payment as possible from the insurance company (without signing a final release) before hiring a public adjuster.

Fire damage restoration is our specialty.  Years of trusted experience from hundreds of Redding and North State residents continues to lay the ground work for our tireless efforts to provide 24 / 7 – 365 fast response to any fire and water emergency. 

Remember that the water used to extinguish the fire produces further smoke and soot runoff structural and property damage. 

(530) 222-0200