#fireclaimadjustment

Merely having a fire insurance coverage is not enough to ensure that things will be taken care of in the event of a fire. Why? Because it's not unusual for insurance companies to deny and delay fire insurance claims.

So, what does one do to prevent such a situation from arising?

Apart from the more obvious and distinct steps such as filing your claim on time, not missing on your premiums, and seeking proper legal help to handle your formalities after a fire, there are three so-called minor measures which if ignored can land you in major difficulties.

Let's check out these three not-so-important but vital steps that if followed could help you stay out of trouble after a fire.

1. Documentation of Damage

In fact whether your insurance claim gets denied, delayed, or accepted depends a lot on you too. That's because there are a few things that you need to take care of before the insurance company adjuster pays you a visit after the fire.

To be able to prove the validity of your claim you will need to show evidence to the insurance adjusters. Only once they are satisfied that the claim is genuine will things begin to move ahead.

Failure to share information about the incident, absence of photos and videos of the damage, or lack of proper documentation can make the adjuster suspicious. This could mean a fire claim rejection.

2. Errors in Your Claim

While filing a claim on time is important, but a claim form filled with mistakes can back fire. Also, sharing erroneous facts about the incident could trigger a fraud investigation against you. If after the accident you feel you're too confused or disturbed to handle the filing formalities, hire a public fire adjuster.

This decision will not only help you relax and take things easy, you will also feel relieved knowing that all the formalities will be handled by professionals, with no margin for errors or misses. Public adjusters are experienced in this line of work and are aware of the minutest of details. They also know the manner in which insurance companies try to avoid paying for damages.

With this angle covered, it is very rare that your claim can be denied. But do remember, never make a claim on things for which damages have already been claimed and also avoid misrepresenting anything or any fact to the adjusters. This could put your claim at risk and lead to a denial.

3. Failure to Mitigate Further Damage

After a fire it is important that proper preventive measures are taken to avoid further damage to the property. Leaving your damaged property exposed could lead to more damage and also increase the risk of a claims denial.

Insurance company adjusters can hold you responsible for neglecting your property and not taking the necessary precautionary measures after the fire. This is because you are eligible for claim on the damage caused by a fire but not on damages that your property suffers due to your neglect after the incident.

So, for instance if due to the fire there is a water leakage and it needs immediate repair but is not tended to and this leak then causes a whole lot of water damage, the insurance company is not liable to pay for that water damage. If you try to claim for such damages, there is a big possibility of your claim being denied.

NJ Fire Claims Adjusters Can Rescue You

Though these measures are not too complicated to handle, it is possible you may not feel up to it to manage all of it on your own. A little help during such a difficult time is always useful.