Fire Damage Claims

Experiencing property damage and loss due to a fire can be devastating and heartbreaking. Fires often start without warning and spread quickly and uncontrollably. For homeowners and business owners dealing with fire damage, the recovery process may be long and overwhelming. At D.C. Hogan & Associates, our public adjusters will be there to guide you every step of the way through the difficult insurance claims process. Let us help take care of your fire damage insurance claim and get you your full and fair settlement, so you can focus on recovery and restoration.

 

What is Fire Damage?

Fire damage refers to the property loss or damage due to burning, typically as a result of exposure to direct flames, but could also come from smoke or other corrosive substances.

Types of fire damage may include:

• Class A Fire Damage – results from fire due to the burning of flammable solids, such as paper, plastics, wood, cloth, rubber, etc.
• Class B Fire Damage – results from fire due to the burning of flammable liquids (or liquified solids), such as gasoline, oil, certain plastics, etc.
• Class C Fire Damage – results from fire due to the burning of flammable gases, such as propane, butane, natural gas, etc.
• Class E Fire Damage – results from fire due to the the factors of Class A and B Fire Damage, plus the addition of electrical elements (such as faulty wiring).
• Class F Fire Damage – results from fire due to the burning of cooking oils and fats (distinct from Class B due to the higher intensity and severity of the resulting fire).

Fire damage refers to the property loss or damage due to burning, typically as a result of exposure to direct flames, but could also come from smoke or other corrosive substances.

 

Fire Insurance

Fire Insurance is not a standalone type of insurance, but rather a type of property insurance that is considered part of your homeowner or property insurance policy. Most standard homeowners insurance and property insurance policies include fire protection coverage, but individual policies vary in what gets covered and what doesn’t. For example, some fire insurance policies may include coverage of related smoke or water damage also due to fire. Other policies may offer compensation for Additional Living Expenses (ALEs), the costs for if you are forced to live elsewhere during the repair process you could be reimbursed by your Insurance Company for it.

Understanding your homeowners insurance policy can be difficult and all the stipulations and requirements for insurance claims can be confusing. Our insurance experts will carefully review your fire coverage and help prepare your fire damage claims to ensure proper documentation of your loss or damage and fair compensation.

Public Insurance Adjuster for Fire Damage

The sooner our public adjusters can review your fire insurance policy and fire damage coverage, the sooner we can help you get your insurance claim filed. Whether caused by a kitchen fire, faulty wiring, gas leak, lightning strike, or more, fire damage causes irreversible loss and you deserve fair compensation in your recovery settlement. Don’t let your claim be underpaid and don’t be at a disadvantage with your insurance company. Let our licensed public insurance adjusters maximize your claim and secure your fair settlement.