Tips On What To Do After Fire Damages Your Home

Tips On What To Do After Fire Damages Your Home

Tips On What To Do After Fire Damages Your Home

Tips On What To Do After Fire Damages Your Home 1000 667 United Public Adjusters & Appraisers, Inc

If you are a homeowner, suffering a fire is a devastating situation to go through. The overwhelming task of cleanup is daunting enough, but there is also the complexity and time-consuming process of insurance recovery. We have composed a list of things you should consider after a fire loss to your home:

Have Your Insurance Policy Handy

If you have already reported the claim, you are entitled to a copy of your entire policy with all forms and endorsements. These are all critical docs we will need to review your file. If you do not have access to this document, don’t worry, United Public Adjusters will create urgency with the insurance company to attain the policy on your behalf.

Review your insurance policy to see if you have coverages for dwelling, contents, and loss of use. The most important coverage after a fire is loss of use coverage as this coverage provides payment for temporary housing if your home is not livable (hotel and short-term housing during the period of restoration).

Loss of Use Coverage also provides payment for additional expenses as you be paying (2) utility bills (your own home plus the rental) and the insurance company owes you for any extra monies above your normal expenses. This coverage also would provide payment for additional expenses above your normal as it relates to food as many hotels don’t have a kitchen which means you will be eating out more than you did before.

For contents and dwelling coverage, you want to know whether you have Replacement Cost Coverage or Actual Cash Value Coverage.  

Replacement Cost

If you have replacement cost coverage, the insurance company owes you for what it costs to repair or replace your damaged possessions.  Example: If your TV was damaged and it cost $1,000.00 to replace it, but the life expectancy of the TV was 10 years and it was 5 years old. The insurance company would owe you the Actual cash value now of $500 as they are applying 50% in depreciation. Since you have replacement cost coverage, if you went out and purchased a new TV for $1,000.00, you would be entitled to recover that $500 in depreciation once you show the insurance company your replacement invoice.

Actual Cash Value

If you don’t have replacement cost coverage, the insurance company will only pay you the Actual Cash value as you will never be able to collect the depreciation. This also applies to your building damages (sheetrock, electrical, paint, plumbing, etc.).  If you did recent renovations, you want to make it known to ensure the insurance company doesn’t apply a high depreciation which only reduces your Actual Cash value owed to you now.

Fire, Smoke, Soot

Many older homes are of balloon framed construction which means that smoke and soot will find its way behind the walls and travel through the open framing. Some insurance companies may not be familiar with construction which means they will try to clean walls meanwhile the walls may have to be removed in order to clean and deodorize the wall framing as the soot is behind the closed walls.

Photos

With any damage claim, you must take a ton of pictures and videos all throughout the process. This is very important as it relates to personal property damages as you have to show the insurance company physical damages by water, fire or soot or they may question why the item should be replaced.

Inventory

You will have to inventory all of the personal property damages as the insurance company will want a detailed spreadsheet that has the quantity, description, cost to replace (today’s cost, not when you bought it), and age (for depreciation purposes). This may seem overwhelming, but United Public Adjusters specializes in detailed inventories so that you don’t have to deal with ANY spreadsheets and sift through damaged debris.

The Value of a Public Adjuster

There are many more tips, but we believe the above tips are the basic ones for a homeowner to quickly understand the initial phases of understanding how insurance claims are handled. Don’t worry, you don’t have to face the chaos of recovery or insurance claims alone. Contact United Public Adjusters today! We handle the whole process so that you don’t have to! From damage valuation to putting the claim together, negotiation and ensuring fair settlement; we’ve got you covered.  Did you know, we do not charge any fees unless we recover insurance funds on your behalf. We offer no-obligation, free claim reviews. Contact us today to get the help you deserve! Even if you already contacted the insurance company, it’s not too late. For immediate help, contact us at:  1-800-718-LOSS. or  help@unitedpublicadjusters.com

SERVICES

  • Upon receiving your call, a public adjuster will personally come out to inspect the site of the damage. After we have assessed your property, we will evaluate existing insurance policies to determine what coverage may be applicable to your claim. We keep your best interest in mind throughout every step of the process.

  • After the damage you’ve experienced, we feel you’ve suffered enough. Allow us to handle all research regarding business interruption losses, personal property losses, and determine values for settling covered damages. We’ll even prepare, document, and file all claims on behalf of the insured, so you can focus on getting your business and life back to normalcy.

  • We act as a liaison between you and your insurance company. Oftentimes there is a knowledge gap between the insurance company and the insured, leaving ample space for the insurance company to manipulate the claim dollar. With our expertise, we understand just how policies are upheld, and will use our knowledge to fight on your behalf.

  • After extensive claim negotiations, our public adjusting team ensures our clients receive the maximum amount of claim compensation. Your business and property may have suffered, but with our help your life can move forward with ease. When the unexpected occurs, we’ll be your support system to get you the compensation you deserve.

We utilize our understanding of construction, insurance policy language, standards and laws to defend policyholders, like YOU!

CHECK OUT WHAT OUR CLIENTS HAVE TO SAY:

I recently had a major pipe break due to all this cold weather at my house. Luckily a family friend of mine recommended Anthony from United Public Adjusters. I’m so glad we signed up with him, from start to finish the claim was seamless. I didn’t have to stress about the insurance company or vendors working on my home. Anthony was there to help every step of the way. Thank you United Public Adjusters.
cole partenza
cole partenza
02:18 30 Jan 19
In April a car drove through my Commercial building causing extensive structural damage. It was recommended I hire Mike Maltaghati of United Public Adjusters. There is no way I would have secured anything remotely close to what I received without their help.They are proficient in dealing with the Insurance carriers and have computer programs that determine costs and estimates to insure accurate compensation. Dealing with Insurance Companies is as big a nightmare as incurring the loss. The very best investment you can make is to hire someone looking out for your best interest and in doing so, the compensation required to protect your best interest far outweighs doing it yourself. You are way ahead playing it smart with a Company that knows how to secure what you are entitled to. I would highly recommend Mike, James and their Staff to tackle any issue that involves an Insurance Claim.
Jody Yetti
Jody Yetti
06:15 07 Nov 18
Hiring United Public Adjusters was the best decision we have ever made! They handled everything for us, explained the whole process to us and made us feel at ease during a difficult time. They also made sure we got what we were entitled to. I highly recommend!
Elana Brynes Schoppmann
Elana Brynes Schoppmann
21:45 24 Oct 18
We recently had a devastating fire in our home. It started in the central vacuum unit in the garage, and the smoke quickly spread throughout the rest of the house. Before the fire was even out, the phone began ringing with all sorts of unsavory insurance operators looking to take advantage of our misfortune all to make a quick buck. They often posed as officials from the Fire Department - they are not. (As a retired Lieutenant from the FDNY, I can assure that these calls are ALWAYS fraudulent). We knew immediately just who we needed to call. Back in 2012, our neighborhood, being the lowest lying area in NYC, was the epicenter of the Sandy Storm. We had over 3’ of salt water and fuel oil throughout the 1st floor of our newly finished home- the kitchen, the dining room - everywhere. United Public Adjusters was on the scene before the tide was even out, and remained with us for months navigating the Byzantine insurance industry procedures. There are many ways to make a bad situation worse as a homeowner in dealing with them on your own. DO NOT EVEN THINK OF TRYING TO DO THIS YOURSELF!!! Their agents are carefully trained to appear empathetic to your situation and you WILL be caught off guard. Maybe some of them are; but make no mistake- they are in the profit business and have their company’s interest first and foremost. That Storm was a nightmare for us, but Phil and James at United Public Adjusters and the service they provided helped us immeasurably in our recovery. When the fire happened a few months back, I immediately called Phil and James and within a half hour of it being extinguished, they arrived, assessed the situation, and started making phone calls. Despite the late evening hour, crews began arriving and setting up evacuation fans and sealing off the contaminated areas of the house with heavy plastic sheeting- zippers and all. Technically, we had three separate policies in force. Over the next few months they dealt with them all unflinchingly, always keeping us apprised of the progress along the way, and always being available for our calls. They left no stone unturned in holding these companies accountable in meeting their obligation to us, the homeowners. They know all the procedures and all the ins and outs of what you are entitled to. Without their expertise, you WILL NOT get what you have coming- we would probably have lost money if we dealt with them ourselves. I repeat myself, but can’t say it enough: God forbid you have any of these life- changing disasters occur in your life, ignore all the phone calls from the “ambulance chasers” and call someone you can trust. They are the best in the business.
Eugene OReilly
Eugene OReilly
16:23 24 Aug 18
United Public Adjusters handled my claim when I had a fridge line fail. My house was flooded and I did not know the proper steps to get my home back to a normal living standard in a timely manner. Mike, Anthony, and James from United were there every step of the way to make sure all of my contents were properly documented and hand held me through the process to ensure the insurance carrier gave me the proper amount to bring my home back to the way it was. They answered all my calls and questions with professionalism and allowed me to get back into my home.
Chris Occhipinti
Chris Occhipinti
02:32 07 Feb 19
Yes, you can really believe all the 5 star reviews.I had a house fire on New Years Eve last year and this company represented me and got everything taken care of. They worked with my insurance company to take care of professional dry cleaning of remaining clothing, contents review and assessment, temporary hotel housing, a rental house and getting my house rebuilt. They earn their money by taking a cut of what the insurance company pays out so there is nothing out of pocket to you. Immediately following an event like a house fire, a lot of slimy people will approach you looking for work. United Public Adjusters is actually a company you can trust. Personal, responsive service and high quality people.
joeg816
joeg816
16:35 12 Feb 19
I can't say enough good things about United Public Adjusters. I had a house fire in Lido Beach. At first we thought the house could be repaired but after I hired United Public Adjusters, Phil Multaghati came to my residence looked at the damage and immediately told me that the house was a total loss and needed to be rebuilt. From that moment forward Phil and his team including James Southard did a great job of managing my family's expectations. On top of that, they worked with the insurance company and got my famiy the money we needed to rebuild. Having a house fire is a devastating situation. The idea of fighting the insurance company by myself seemed very daunting. I strongly recommend United Public Adjusters for anyone with a house fire not just for a good financial result but for peace of mind for you and your family
edward deicke
edward deicke
15:21 25 Apr 19
We hired Philip Maltaghati from United Public Adjusters almost TWO months after the fire damage in our Brooklyn townhouse. Like many homeowners, we started by negotiating the claim directly with the insurance company, while hoping to be fairly treated. But in reality, insurance company always has a better hand than the insured. In our case, the insurance company used multiple tactics to delay the process and devalue the claim, including minimizing the scope of repairs. The moment we had Philip on board, the insurance company fired its independent adjuster and replaced with a much more senior, large claim adjuster. Because Philip and United Public Adjusters have such a good reputation in the industry, it changed the power dynamics in our negotiation. Ever since then, it’s a home run. We improved the claim settlement by more than 100%. Besides Philip, other members of United Public Adjusters, including James Southard, Paul Zendler, and Joanna Pawlowska, are getting work done professionally and responsibly.Well, if you are Daenerys Targaryen, and you want to take back the Seven Kingdoms, which truly belongs to you, you better have Philip Maltaghati and United Public Adjusters as your dragons.
Vanessa Wang
Vanessa Wang
00:38 20 May 19
Philip at United Public Adjusters was a life saver. We had a fire in Queens and he came to the house the very next day to walks us through the claims process. He guided us with a calmness that eased our anxiety. Insurance gave an initial payment and Philip fought to double it. Thank goodness he did because the work needed would have greatly exceeded what the insurance offered to us. Do yourself a favor and call Philip with any disaster situation.
Paul Chung
Paul Chung
16:25 21 Jun 19
Our nightmare started when an adjacent building construction caused severe structural damage to our multi family limestone building in Bushwick BROOKLYN. Philip Maltaghati and James Southard from United Public Adjusters are absolutely amazing. From their communication with the client to their determination to get us the best possible outcome. We attempted to go through the insurance adjuster on our own and only received 30k from the damages. After searching on google for a public adjuster, we found United Public, and Phil picked up the phone right away. Next day he was at our home, advised us he could assure a larger settlement. That he did, over 6 times more than our claim. Again, thank you Phil and team.
francisco picado
francisco picado
21:30 30 Jul 19
I was pleasantly surprised and have only good things to say about Philip and Michael Maltaghati of United Public Adjusters. They are very professional and experienced in assessing property damage and negotiating with the insurance company to get the most money and fast results.Michael and Philip Maltaghati are reliable, they always answered any question I had and they have great communication skills. I would highly recommend them to anyone looking for an adjuster.
Boaz Smolarchik
Boaz Smolarchik
00:50 19 Aug 19
There is a learning curve when it comes to getting a fair insurance settlement...Phil and his entire team are experienced in all the nuances and have helped me with both business and personal claims. I could not recommend them more highly!
Lawrence Jaeger
Lawrence Jaeger
09:07 19 Aug 19
Philip Maltaghati and James Southard of United Public Adjusters are amazing. They handled a claim for my business that involved water damage due to a plumbing freeze on the roof of the building that houses my business in Manhattan. I lost a significant portion of my inventory, incurred substantial loss of business and had extensive damage to property. I would have never been able to recover without their expertise. Their insurance knowledge is very impressive, they are reliable, responsive and are fierce negotiators. Without their expertise, it is doubtful that my business would've collected enough for it to fully recover.
David Zarin
David Zarin
22:10 19 Aug 19
Last year, our newly-purchase Manhattan (Upper West Side) condominium was severely damaged by a substantial water leak (more like a flood) from an apartment above us before we were able to move in. 1/3 of our apartment was destroyed, including custom cabinets, the wood flooring, mechanicals and electrical panels, and an entire bathroom. We didn't know where to turn, as we had never experienced anything like that before. Our insurance company was less than helpful (completely unresponsive) at first. After careful research, my wife discovered United Public Adjusters online, so we gave Philip Maltaghati a call. He was super responsive, and walked us step-by-step through the damage documentation process. He helped us find the best water remediation firm in the city, and they were at our apartment within 24 hours with fans and dehumidifiers. (Our building management company said it would be at least 3 days before they could have dehumidifiers there.) Throughout the process, he was relentless in documenting the damage and negotiating with our insurer to make sure we received the appropriate amount of reimbursement for the extensive damage we sustained. Phillip and his partner, James Southard, were super responsive, communicative, and tenacious throughout the process. We couldn't have done it without United Public Adjusters, and I can unequivocally recommend them.
Aziz El-Tahch
Aziz El-Tahch
01:17 20 Aug 19
We live in Queens and had an unfortunate water damage/pipe burst in January of 2019. As many of you know, dealing with insurance companies is a full time job so we decided to hire United Public Adjusters to help us with this process. It was the best decision we ever made. Philip Maltaghati and his team helped us along the way, from opening a claim, finding a rental home, renting a furniture, fighting for every penny and most importantly getting paid properly and on time. They are extremely knowledgeable and professionals in this field. If it wasn’t for them, we would still be hopelessly fighting with State Farm. I highly recommend United Public Adjusters and Phil Maltaghati and his team.
Satik Nalbandian
Satik Nalbandian
13:24 20 Aug 19
I could not have moved forward without United Public Adjusters. The proceed moved forward seamlessly and was incredibly well managed. Many Thanks!
Tanya Manuali
Tanya Manuali
17:15 21 Aug 19
Wanted to thank Phil and Mike Maltagotti and the whole United public adjuster’s for the excellence of work. They handled my families electrical fire claim and received maximum value for their loss.We appreciate their hard work and consistency and recommend this company because of their professionalism in the craft. They answered all of our questions and concerns and followed up with the insurance company to make sure everything went smoothly.
Gianpiero Ciminna
Gianpiero Ciminna
17:27 23 Aug 19
When I had a major fire life was turned upside down. My family was going through some very challenging times as it was, then our insurance carrier was fighting me every step along the way and not giving us what we were entitled to and needed to rebuild our home. I didn’t know where to turn and that’s when I Anthony, Mike, Phil and the team at United Public Adjusters that literally came in and saved me from the complex, long and drawn out process of settling an insurance claim alone. They dealt with the insurance carrier and all the contractors and third parties for me. It was a pleasure working with them and I would not be back in my home today if it weren’t for them.
Stan Kadank
Stan Kadank
13:06 22 Oct 19

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