Fires are an upsetting experience, one that can cause an individual (or family) to experience extensive property damage and loss; with this type of damage it can be reassuring to know that your homeowner’s or renter’s insurance company could help. It is important to understand your coverage and its limitations—will your property be replaced, or your home rebuilt?
Before a devastating scenario happens, make sure that you speak with your insurance agent to ensure you have adequate coverage in the event of a tragedy.
What is the extent of my coverage against a fire?
One of the most important things you can ask your insurance agent is to explain the extent of your coverage and discuss the possibility of expanding your coverage or limits. You want to make sure that you have enough coverage to replace any lost items as well as be able to conduct repairs (or completely rebuild if needed). Rebuilding after a fire is more inclusive than many realize—its more than putting up new drywall; it also includes smoke damage remediation and salvaging of belongings. Check to see what your insurance company will cover and what you can expect to pay out of pocket.
While Fortis Remediation will and has worked with insurance companies after a disaster and can help you sort out your coverage limits, our experience has taught us that it is vital for homeowners to fully understand their coverage limits so that they can make changes before a disaster strikes.
Is there a reimbursement for my temporary housing?
If you feel that your home is not safe to stay or it is required for you to live elsewhere while repairs are conducted, you need to find out whether your insurance policy will provide money (or at least reimbursement) for your temporary housing. You might find that your policy will cover a portion, if not all, of the temporary housing cost and possibly a few additional costs.
Who do you recommend for repairs? Who can I trust to repair fire damage and restore my home?
While your insurance company can provide a list of fire damage repair and remediation companies, it is also important to do your own research to ensure you find a reputable company that will look out for your best interests, not just the insurance agency’s bottom line.
When you encounter fires that damaged your property, you can rely on Fortis remediation. We have worked alongside many homeowners and renters with their insurance companies to conduct repairs and fire damage restoration.