Fire Damage: What to Watch Out for With Partial Loss
Fire Damage: Total Loss and Partial Loss
Fire loss can occur in two ways: total loss and partial loss. Total loss is when a fire has completely destroyed a business, resulting in a complete rebuild of the property. Partial loss refers to instances when only part of the business has been lost and requires the assistance of fire restoration services in the West Jordan, UT, area. Partial losses need special claims, and the process can bring about several unique issues.
1. Delayed Insurance Adjusters
In situations of widespread disaster, partial losses may be considered low priority to insurance companies and ultimately insurance adjusters, which can result in delays in property assessments. To help pass the time, you should walk your property and photograph everything that is damaged or destroyed, preparing a record of loss for your claims report.
2. Improper Cleaning and Repair
Partial fire loss requires thorough and proper cleaning to ensure that smoke damage is removed. Some substandard services may attempt to rush through a job, resulting in work that is not uniform and properties that are inconsistent in appearance. Therefore, you should research companies and services to ensure that they are experienced and professional.
3. Hidden Damage
During your walkthrough, be on the lookout for hidden issues, like water, mold, ash and smoke damage. Under most policy guidelines, you are within your rights to full and fair payment for partial loss, and that includes hidden damage. You will want to document it with pictures before the adjuster arrives so that you can avoid disputes.
Disputes may arise because of the overall appearance of your property when the work is completed. Your property should appear consistent, and this can mean the replacement of undamaged material. For example, while all the shingles on your roof may not be damaged, they may require replacement for uniformity purposes, and most coverages should pay for that replacement.
Fire loss is devastating no matter the extent. However, when dealing with a partial loss, it is necessary to watch out for several specific issues. Being vigilant ensures that your property will be made whole again.