Fire Damage Cleanup – Read this First

A house fire can be the most difficult and trying thing you may ever experience. When a fire happens, your life is turned upside down. Relocating your family and documenting a lifetime worth of personal property is an overwhelming process. To maintain their everyday life, one must juggle work, home and now the insurance company’s demands.

The average Bronx fire damage claim takes about 2-6 months to resolve with most insurance companies but can drag on for years without proper representation. The process of settling the claim (often for much less than the policy affords) can be devastating.  Recovery involves managing restoration and construction companies, constantly chasing your insurance company’s claims department, handling your own personal property loss, taking appointments all while trying to maintain your personal life.

By retaining a local and licensed public adjuster in the Bronx  immediately, we can meet all adjusters, examiners, engineers and representatives on your behalf, document your building damage and personal property with state of the art software and create the maximized estimate your insurance company does not want to see; that’s just the beginning. We will properly navigate your policy to form the best approach for expediting and maximizing your home-owners claim payout.

According to the IICRC (Institute for Inspection, Cleaning and Restoration Certification) the water used to put out the fire can be just as damaging if not more costly than the fire itself. The secondary effects of fire, known as smoke, soot and water damage are oftentimes overlooked. When water is used to put out the fire, mold can ensue. Smoke & Soot are acid or alkaline based and will cause severe long term effects to all material it comes in contact with, especially porous materials and furniture. If not addressed immediately, these items will likely require replacement. This is where most individuals find themselves trapped with the insurance company’s mitigation contractors who want to clean and repair everything. This process is not beneficial to you and can deplete your potential recovery needed to replace the fire damaged property.

Only a Bronx Public Adjuster licensed by the Department Of Insurance can legally negotiate an insurance claim on your behalf. When inspecting initially, we photograph and document the entire loss from structure to personal property and build an expert claim file to present to your carrier. Because Atlas Adjustments LLC. is a licensed and certified Public Adjuster with the NY State Department of Banking and Insurance, when we create our Xactimate Estimate, “we are not asking, we are telling”. This approach aides in a quick and effective resolve so that you can be back in your home sooner without the hassle of ever having to fight the insurance company on your own.

Our local Bronx Public Adjusters will represent you, taking you step by step through the whole claim process. This means,with your permission, we will do all the hard work on your behalf, so you don’t have to. We will give the insurance company a notice of your loss, photo document and scope the fire damage, and negotiate with your insurance company to make sure your claim is valued and paid out according to the policy you pay for.

 

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CALL US:  914-800-FIRE   or  914-800-3800