Most homeowner insurance policies will cover damages caused by fire, with certain exemptions. When making a claim for fire damage, you must determine whether your homeowner’s insurance policy covers the damage or not. In the case of most fires, common types of damage include.
Your homeowner’s insurance policies might not cover all the damages. This is why you should always review the policy before making any claim. When handling Los Angeles fire damage insurance, our adjuster will help you clearly understand the coverage to make sure that you know exactly which kind of damages are covered and how to deal with them in the right way.
If you live in an apartment that is damaged by fire, then all the damages will usually be covered by apartment building insurance policies. If you are the landlord, then in most cases, you would be eligible to get ‘loss of rent’ coverage.
On the other hand, fire damage in condos will be covered by two different types of policy – the individual condo insurance policy and the master insurance policy of the association. Our team for Fire Damage Insurance will make sure that all the assessment is made in the way that is prescribed by the insurer so that you get the claims settled in the right way.
So, how do we help you with a Los Angeles Fire Damage Insurance Claim? As a professional with years of experience in the industry, we help you with a range of different tasks including.
Our work as a Los Angeles public adjuster is not just limited to these tasks only. There are plenty of other ways in which we can help you with. To discover all the different ways in which our adjusters can help you with the insurance process, speak to our team today.
So, what benefits you will get when you hire us as your public adjuster from Los Angeles? We make the process hassle-free. But that’s not all. There are other advantages of hiring us for your insurance claim.
Since our adjusters have years of experience working with some of the biggest insurers in the state, we know the paperwork and other processes that are required for settling the claims. This avoids the chances of the settlement being delayed.
The amount of money that you will get in the insurance payout will depend on the exact coverage and the assessment of the damages. The independent adjuster hired by the insurance company will make the assessment and as your public adjuster, we would work closely with them so that all the damages are properly documented and categorized in a way that you get the maximum insurance coverage for the damages.
You don’t need to pay for the services upfront. We work on a contingency basis, where we would charge only a percentage of the insurance payout as a fee, which is only payable when your claim is settled.
Our team for Los Angeles Public Damage Insurance usually follows a specific process for settling claims. Here is a brief overview of the major steps in the process followed at Done Right Restoration.
When you give us a call, we will set the ball rolling by having a detailed discussion with you. You will need to sign a letter of authorization, which would allow us to start the claims process on your behalf.
Next, a detailed assessment of the damages will be made. The team would also go over a range of different official documents as well as insurance policy documents to prepare a claims strategy.
At this stage, all the necessary documents will be prepared to submit the application for the claims. Here is the list of documents that need to be prepared.
i) Detailed construction estimates with supporting engineering documents if necessary.
ii) A detailed and verified list of inventory and contents schedules with correct valuation and supporting documentation.
iii)All the required technical and supporting documents that show the current industry publications and authoritative papers supporting positions taken in the claim adjustment process.
After the exact nature of the loss is determined and documented, a schedule of losses will be prepared and reviewed by a team of experts. The claim is categorized into the relevant categories to the various policy provisions.
After making the presentation and scheduling the assessment with the insurance company adjuster, we will start the negotiation process of the claims settlement. We will keep you updated of all the latest developments till the final settlement is done.
Here is the average time taken to complete the above steps for fire damage insurance in Los Angeles
| Step | Time Taken |
| Initial Consultation | 1-2 days |
| Assessment | 2-5 days |
| Documentation | 3-7 days |
| Making The Claim | 5-10 days |
| Negotiation | 7-14 days |
Most fire damage insurance claims would take around 90-120 days to settle. However, in some cases, depending on the policy and the damage, it might take a bit longer.
The insurance company’s attorney will question you under oath, and that is done during an Examination Under Oath. This is a formal and legal proceeding. There are some serious issues with your fire claim if you’ve been required to participate in a EUO. Consult with us to know more.
No, they normally would not as it is illegal for your insurance company to drop you for any reason other than Fraud or Material Misrepresentation. The insurance company may choose to not renew your policy, but they can only do that on your date of renewal. This is also rare and happens only if you have had several claims in the past.
