The aftermath of any fire damage will inevitably bring stress, heartache and insurance companies. With fire damage assessment, insurance adjusters look for several key factors to determine the amount of money you may be entitled to.
An insurance adjuster will start the assessment by checking the structural integrity of the building. They will be able to get a rough estimate of the external physical cost. Although the structure is damaged on the outside, that doesn’t mean it cannot be rebuilt. Even if the fire damaged has destroyed the windows, doors, wall, and roof, these things can always be repaired.
The fire company will contact the utility providers for the electricity, water and gas to shut off. There is always the possibility of broken gas lines, electrical lines or pipes buried beneath the wreckage. With the probability of making a bad situation worse, broken utilities can make the pay out from the insurance company much more than if they are still intact.
The fire damage assessment usually begins in the basement. This room has one important factor: the floor. The floor needs to be solid to make the proper assessment and repairs. They will look at the floor from below and check out the joists. If they are untouched, then the assessment can continue. Otherwise the joists will need to be shored up.
The most important thing that an insurance adjuster will look at is the walls. Destroyed drywall is less important than the supporting beams. If the beams are destroyed, the home could be condemned. Most of the load bearing walls need to be intact to support the home. If some of the walls are not viable, they can be supported and replaced.
Filing an insurance claim includes being reimbursed for personal possessions. An insurance adjuster will scan the property damage and then compare the items to a master list they have with the claim.