Vancouver, Washington Painting Contractors

Fire Damage to a home is very serious and requires a specialty restoration company for the reconstruction of the home and the content cleaning.   A good restoration contractor will have special chemicals and cleaning supplies that are made specifically for fire damage cleanup.   Along with content damage the home will also have other types of damage depending on the extent of the fire and how hard it was to extinguish.  While putting out the fire the local fire department may have made holes in the roof, walls and ceilings and even knocked out windows.

Fire Damage repairs can vary widely depending on the extent of damage. Sometimes the fire damage is fairly minor requiring just the ducts to be cleaned and perhaps 1 or 2 rooms treated, cleaned and painted.   More serious fires can leave a residue over the entire house and even get into the cabinets and drawers.   Not to mention the more extreme fires that can burn up all the rafters, some of the walls or even burn down the entire house.  It is important for homeowners to call a local qualified fire damage restoration company to restore their home to the pre-loss condition.

After the fire damage occurs the homeowner will usually call their insurance company who in turn will send out an insurance adjuster who will evaluate the claim to determine the extent and cost of the damages.  Often the homeowner finds out that this calling for an adjuster thru their insurance company is not always the best option.

The job of the insurance adjusters is to settle the claim for as inexpensively as possible for the insurance company they represent. Many homeowners don’t know what their homeowners insurance policy covers.  The insurance adjuster will show the policy holder all the clauses or showing how the fire damage claim or parts of it are not covered by their insurance policy.

That’s why a homeowner should not rely on the claim evaluation that is produced by an independent adjuster sent by the insurance company but should strongly consider hiring a public insurance adjuster. A public adjuster usually charges a commission of 10% - 12.5% to settle the claim and negotiate with the insurance company on behalf of the insured. They will carefully look thru the insurance policy to determine what is really covered and not covered. If you hire a public insurance adjuster make sure to get a signed contract.

If the claim is under $15,000 it  does not always pay to hire a public insurance adjuster. However, you can still get the insurance adjusters advice which will be helpful to you. Public adjusters are usually veterans in the insurance industry who formally have worked for large insurance companies as adjusters. Ask for references and verify their state licensing before hiring a them. Some states  do not license public adjusters in which case you would really want to look into their credentials.

So, homeowners in Vancouver who have suffered from fire damage  review all of your insurance and restoration options before agreeing to the claim settlement from your insurance company. Consider hiring the services of a public adjuster and also make sure to hire a local fire damage restoration company with a good reputation.

Cascade Coatings & Construction is a local water damage restoration company which serves Clark and Cowlitz counties from Vancouver to Woodland and Longview and also Camas and Washougal.

For all your emergency services, board ups, fire damage repairs, carpet cleaning and reconstruction services  Contact Cascade Coatings & Construction at: 360-723-0698