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Insurance Tips for Partial Fire Loss

When a fire partially damages your home, the insurance company will usually cover the damage that is not intentional. If the fire was started by accident, you are likely to be covered. However, if you caused the fire intentionally, your insurance company may not provide coverage.

It is essential to understand your policy before you file a claim. Here are some tips for dealing with partial fire loss. 

Be Persistent 

It can be frustrating dealing with an insurance company, especially when trying to get them to pay for a partial fire loss. However, it is important to be persistent and keep contacting them until you can resolve the issue. Ensure you have all of your documentation in order and provide as much information as possible. 

It is also important to understand that the insurance company is not on your side. They are trying to protect their own interests, so you need to be prepared to fight for what you deserve. 

Ask for an Advance Against Your Insurance 

If you need money to cover your expenses while your home is being repaired, you may be able to get an advance against your insurance. This means that you will receive a portion of the money from your policy to carry out your repairs. Talk to your insurance company about this option and make sure you understand the terms and conditions. 

When asking for an advance, be prepared to provide documentation that shows how much money you need and why. You will also need to show what arrangements you have made to complete the repairs. 

Get a Lawyer 

If you are having trouble getting the insurance company to pay for your partial fire loss, it may be helpful to get a lawyer. This is because a lawyer can help you get the compensation you deserve and help you with any legal proceedings. 

A fire claims adjuster like Florida Fire Claims will also be able to advise you on whether or not you should take legal action against the insurance company. Also, remember that the lawyer will likely charge fees, so be prepared to pay for their services.  

Document the Damage 

It is important to document the damage caused by the fire. This will help you file a claim with the insurance company. Make sure you take pictures and videos of the damage and record all of your expenses. Some of the documents needed include proof of ownership, repair estimates, and pictures of the damage. 

The insurance company may not be willing to pay for all of the damage, so it is crucial to be prepared for a fight. It is also important to be aware of your rights as a policyholder. 

Keep Paying the Insurance Premiums 

Even if you are not getting the full coverage from your insurance company, it is important to keep paying the premiums. This will ensure that you are still covered in case of another disaster. 

By regularly paying the premiums, you are also building your claim history. This will make it easier to get the insurance company to pay for a partial fire loss in the future. 

These are some tips for dealing with partial fire loss. Be persistent, ask for an advance against your insurance, get a lawyer, and document the damage. Keep paying the premiums, even if you are not getting full coverage.

If you need a fire claims adjuster to help with this process, please reach out to Florida Fire Claims for assistance. We are here to help you get the compensation you deserve.