Fire Insurance Claim Help

Fire damage, and associated smoke damage and heat damage, is the costliest type of property damage. According to FEMA, there were over 344,600 residential building fires in 2023, with $11,266,200,000 total estimated loss. 

Regardless of the cause of the fire, you’ll need to immediately notify your insurance company of the loss and carefully document the damage in order to submit supporting evidence for your claim. 

Public Adjusters Are Claim Solution Champions

When it comes to receiving a fair settlement for your North Philly fire claim, Public Adjusters are reliable advocates. They inspect the fire damage, write an estimate, and negotiate with your insurance carrier to get you the best possible settlement offer. 

Public Adjusters charge a fee based on a percentage of the settlement money recovered, but you won’t be expected to pay until after you receive a check from your insurance company, so there are no up-front costs. 

Common Fire Damage to Look Out For

A thorough property inspection is required in order to adequately document all fire damage, but Merlin Law Group recommends specifically checking “your roof, any structural steel or iron, stucco, siding or concrete, windows, plumbing and heating systems, and any interior walls/framing.” You should document all signs of fire damage and smoke damage, including:

• Structural damage to the home
• Electrical system damage and HVAC damage 
• Charred materials, ash, and corrosion.
• Soot residue on your surfaces and belongings.
• Chemicals/materials that burn release toxic fumes in your home, resulting in poor air quality.
• Water damage from firefighters can damage your furniture and cause mold if not properly mitigated.

Partial Loss vs Total Loss Fire Claims

Even though it might seem counterintuitive, partial loss fire claims actually tend to be more complicated than total loss fire claims. A total loss often has overwhelming, indisputable damage that meets the policy definitions for coverage up to the policy limits. Simply put, there’s less that the insurance company can argue about.

A partial loss, however, often invites discussions about whether the extent of the damage warrants repairing versus replacing, which greatly impacts the value of the claim. 

Hire Tiger Adjusters®

If you have a North Philly fire damage claim, don’t wait for your insurance company to make things right…you’ll be waiting a while. Take matters into your own hands by hiring Tiger Adjusters® to represent your claim. Licensed by the State of Pennsylvania, Tiger Adjusters’ Philadelphia office can help assess the full extent of your losses and maximize your North Philly fire claim. 

"When evaluating the extent of a fire damage claim to determine whether it is a partial or total loss, we meticulously assess and document the impacted areas and look to get the policyholder the best settlement possible according to their policy coverage."​ —Brendan Steinbrecher, Tiger Adjusters®