3 Tips for Filing a Partial Fire Loss Claim

7/25/2022 (Permalink)

3 Tips for Filing a Partial Fire Loss Claim

Most fire losses are partial losses, which means that the fire damaged or destroyed part of a building or its contents, but not the whole thing. In this type of fire loss, rather than replacing your entire building, portions of your property will need to be cleaned, replaced, or repaired. Keep these three tips for filing your partial loss claim in mind when you contact your insurance company.

1. Be Aware of Hidden Damage
Sometimes a property may look undamaged on the surface, but there may be hidden smoke damage, water damage, or heat damage. For example, upholstered furniture may appear undamaged by flames, but need professional fire cleaning services to remove the smoke smell. Walls can sometimes conceal water or heat damage that may not be apparent without removing the exterior drywall and inspecting inside. For this reason, it is important to have a professional inspection done to assess all of the damage to your property before settling your claim.

2. Avoid Improper Cleaning or Repair
In most partial fire loss situations, some of your property will be able to be salvaged, rather than replaced, by having professional fire restoration done. However, you must select reputable vendors in Charleston Park, FL, to restore your property. Cleaning and repairs that are not performed properly can lead to expensive problems down the road or even lower the value of your property.

3. Be Sure Your Property Is Restored to Pre-Loss Condition

Your insurance company does not owe you replacement value for the property that can be restored; however, if the property is repaired, the repairs should return your property to its preloss function and appearance. This may require some items that were not damaged by fire to be repaired or replaced.

In most cases, a business with a partial fire loss can be restored to its preloss condition. However, it is important to make sure all damage is properly cleaned and repaired before settling your claim.