Insurance adjusters are often working on tight schedules. They must move quickly and close claims efficiently so they can move on to the next case. During periods of widespread damage, this can sometimes result in settlements that do not fully account for the scope of a loss. But this is about you, and you deserve to receive what you are entitled to!
Your insurance adjuster might be using these tactics to hide behind what you could be getting for your fire damage claim. We’re here to reveal their secrets and how Altieri Insurance Consultants Naples offers you independent representation so you can get your life back.
You Might Be Sleeping On Hidden Damages
An insurance estimate often focuses on visible, surface-level damage. However, after a fire, there may be additional issues that aren’t immediately obvious – such as smoke infiltration, soot residue, or damage behind walls and within building materials.
Public adjusters in Naples take a comprehensive approach to fire damage inspections, carefully identifying hidden or secondary damage and ensuring it is properly documented so your claim reflects the full scope of the loss.
| When smoke and soot damage are left unchecked, they can evolve into bigger problems in the future and result in more repair costs. |
You Can Choose Your Own Fix-It Team
After a fire, insurers may suggest or recommend certain contractors to complete repairs. It may sound good to get the repairs started immediately, but this is a temptation to avoid. Policyholders are generally not required to use a specific repair company. In most cases, your policy allows you to choose qualified professionals you trust to complete the work. It is always best to know how much settlement money you have to work with, choose the contractor you want to make repairs, then proceed with construction.
Fire damage recovery is complex, and selecting the right repair team can make a meaningful difference in the quality and longevity of the repairs. Insurer recommended contractors use various industry tricks to mask or cover up smoke and soot damage in a home or building as opposed to tearing out the damage and replacing with new materials. This process is done with the intent to save the insurance company money.
| As your reputable team of public adjusters in Naples, Altieri Insurance Consultants knows some of the best repair companies in your area! |
Your Personal Property Coverage Has Limits
Homeowners in Naples with property insurance are typically covered for personal property that may have been lost or damaged in a fire. What your insurer might not disclose is exactly how much will be covered.
A closer look at your fire insurance policy might reveal specific limits for specific categories of personal items. You may wish to use settlement money to replace damaged items with new, rather than to pay for attempted cleanings that don’t work. Spending good money, after bad, is not the way to successfully survive a recovery.
| Expert Tip: Get a professional policy review prior to a disaster so you know exactly what you’ll be compensated for. |
You’re Racing Against the Clock
After submitting a fire damage claim, it might feel like you’re on your insurer’s time. But waiting for them to get back to you could make your situation worse.
Your insurance company might not warn you about the possibility of secondary damages while waiting for your settlement offer, and they likely won’t cover those repairs since they happened after the initial fire.
The solution? Hiring a public adjuster in Naples can move your fire claim along for faster recovery.
Read more > The Emotional Toll Of A House Fire – And How An Adjuster Can Ease The Burden
Altieri Insurance Consultants Naples Is Here to Help You Get a Fair Settlement Offer For Fire Damage Claims
Policyholder to insurer miscommunication. We’ve seen it happen plenty of times, but we’ve also had plenty of success stories in which we turn the tide. For expert help with your fire damage claim, contact Altieri Insurance Consultants Naples today at (813) 247-4757!
