Disputing Your Home Insurance Claim for Damage Following California Fires
Are you a victim of this year's devastating fires in California? Are you struggling with getting a proper settlement from your insurance company and are looking for an independent estimate? While a vast majority of homeowners have insurance to cover their home and property, unfortunately, each year, a small number of those homeowners have to actually file a claim for property damage. Sadly, this year has been unusually devastating for California residents as the fires have raged relentlessly for months.
If your home has suffered from fire damage or smoke damage, filing an insurance claim is likely a top priority so that you and your family can begin to rebuild not only your home but your lives. Once your home fire damage claim is filed, an adjuster will be sent out to examine your property and estimate what the insurance company will need to payout.
Hopefully, the quote is enough to pay for the cost of repairs, but that isn't always the case. It's an assumption that the adjuster’s estimate is accurate and will properly reflect the going rate for repairs. In many situations, the amount listed by the adjuster is far lower than the actual expense that fixing the damage will be, leaving you in a tough situation.
So, what can you do if you disagree with the home insurance adjuster and feel the insurance quote is too low? What are your options for getting a fair quote?
Do you think your insurance company undervalued the replacement costs for your fire-damaged home?
call Total Takeoffs today for a true independent estimate
What to Do When Your Insurance Quote is Too Low
Before you decide to dispute your insurance company’s quote for the fire damage and smoke damage done to your home, you need to understand how your specific insurance coverage is set up. On the one hand, your policy may state that you are fully covered regardless of whether the damaged area has aged or not, which means they will deal with your claim based on how much it costs in today's market for supplies and tax.
On the other hand, your policy may account for depreciation and only pay based on the value of the damaged items prior to the fire. Understanding how your coverage is laid out can be key when speaking with your insurance company and knowing whether or not to proceed with challenging the adjuster’s quote.
Getting an Independent Fire Damage Estimate for Your Home
Once you have discussed a claim amount adjustment with your insurance company, it is likely that you will have to show proof that the claim adjuster’s estimate was lower than what it will realistically cost to repair your property fire damage. If you disagree with the home insurance claim and are looking for an independent fire damage quote, we can provide you with a complete and accurate fire claim estimate for your home. After you have obtained your quotes, you can follow up with your insurer to submit the documentation for them to review and possibly make an adjustment to your claim. Having a reputable company like us can help give you a solid case with your insurance company to settle your claim for a higher amount.
At Total Takeoffs, we specialize in residential estimating and will provide you with a complete and accurate cost estimate for your fire-damaged home. After you have obtained your quotes, you can follow up with your insurer to submit the documentation for them to review and possibly make an adjustment to your claim. Having a reputable company like us can help give you a solid case with your insurance company to settle your claim for a higher amount.
The fires in California have been crushing for many of its residences, and the last thing you need to deal with is fighting your insurance company to repair your smoke and fire-damaged home. We can help get you a true estimate for what it would take to get you back some peace and security so that you can start to rebuild your home and move forward.
If you are disputing a home insurance claim following the California fires, call us today at (833) 686-2727 for more information on how Total Takeoffs can help you receive a fair independent fire damage estimate for your home.