Fire is one of the most common causes of property damage, resulting in serious problems for homeowners, businesses and commercial property owners. In addition to damage from fire and smoke, there may also be problems related to the process of putting out the fire, such as water or chemicals inside the building, and potential damage to the building’s structure, electrical and heating-cooling systems.
Regardless of the cause of a fire (explosion/gas leak, lightning, electrical, grease, etc.), an owner needs to make quick decisions while still under a great deal of stress and confusion. Who should we to call? Where do we stay tonight? Which belongings escaped unharmed? What exactly did we have in the building? How can we start the clean-up process?
NEC Claims is there to help you put your insurance to work for you. We have the experience and the knowledge to answer your immediate questions and help you through the complicated claims process. One of the first things we do is to evaluate all of the damage and take a good hard look at your policy. Determining the “scope of loss” and analyzing your policy will help us best determine the best way to move forward with your claim to get you the maximum possible settlement.
When we evaluate fire damage, we look carefully at all the damage related to the fire, including smoke, soot, raw heat and of course, all of the water or other extinguishing materials. You should be paid in full for all of the damage – not just part of it. If your residence or business is be livable or workable, you may need to find new quarters while the damage is repaired. Many people don’t realize that “additional living expenses” like hotel accommodations, restaurant meals and dry cleaning can all be claimed and covered. We’ll help you sort out those issues, so you can get back to living your life.
The question of “repair or replace” comes up frequently after a fire. Please be cautious if you are approached by “restoration” companies. They may try to get you to authorize unnecessary work, or ask you to sign an authorization form that will allow them to bill your insurance company directly. Before agreeing, think through your options and ask yourself: Do I want to give someone else the right to collect directly from my insurance company… especially for work that may not be needed?
Hopefully you will never find yourself staring at the fire-damage remnants of your home or business, but if you do, count on NEC Claims to assist you in finding the experts who can help you get your property back to its pre-loss condition.
If you live in a multi-unit building and one of the other units is damaged by fire, you should call us. Your residence may have suffered damage from soot, smoke or heat that may not be apparent. Find out for sure whether or not you have a claim worth filing by calling us for a complimentary, no-obligation property evaluation.
Fire Damage Testimonial
Type of claim: Fire
Situation: A roofing company was doing some work on a commercial property. One of the roofers accidentally started a roof fire with his blow torch. Claims were filed for damage to the property and loss of use. The insurance company made an initial payment of $296,607.53. The insured, who had used East Coast on a previous residential claim felt he had not been paid enough.
Problem: Mark called his insurance company and they made him an offer of $5600. They tried to tell him that $5600 would pay for the portion of the floor that was damaged in the kitchen. Mark had a feeling that he was being short changed so he called East Coast.
Solution: East Coast determined that the damage was much more extensive than the insurance company had first estimated. Additional damage was found not only in other parts of the building, but smoke, soot and water had done damage to some air conditioning units and other electrical items. Additional loss of use coverage was also claimed.
The insurance company paid almost $250,000 more which brought the total settlement amount to $547,173.89.