Yesterday, Noble Public Adjusting Group wrote a press release in wake of the massive wildfire in Eastpoint, Florida on June 24, 2018. This wildfire has been officially dubbed the Limerock Wildfire. Experts are still trying to discern the cause. This terrible incident and the press release Noble wrote prompted us to take things further and discuss why you need a Florida public adjuster like Noble if your home has received fire or smoke damage, or has been totally destroyed by fire.

You Need a Florida Public Adjuster After Fire or Smoke Damage

First let us say that if your home or commercial property in Florida has been damaged or destroyed by fire, our hearts go out to you. We have seen first hand the devastation fire brings, both in lost property and emotional trauma. One way Noble Public Adjusting Group can make things easier on you is to point out crucial reasons you need a public adjuster to file your insurance claim for damages from a fire.

For one thing, fire damage claims are the most complex type of insurance claim. There could be damages or contamination that is not seen by the naked eye. When evaluating the damages to your home or commercial property caused by a fire, the staff adjuster sent out by your Florida insurance company is not going to be looking for anything beyond the initial, easily viewable damage. Their job is to save their company money, so they will be looking for any way they can to downplay your fire loss.

Things get even more tricky when smoke damage is involved. Smoke damage insurance claims are often difficult to resolve because soot and smoke damage can often not be very visible but can be everywhere. Characteristics of soot vary based on what the source is. One example is soot from burning plastics. This soot is acidic and will cause corrosion on metal items. Smoke and soot can get into every nook and cranny of your Florida home or commercial property. If these harmful elements get into your attic, they can fall into the wall cavity. Soot which is left behind from a fire can be very damaging to your home or commercial property in Florida, causing health problems for you, your family, or your employees. Left untreated it can get worse since soot eats away at the materials it settles on.

One important aspect of your homeowner or business property insurance policy you should know is that almost all policies are “fire insurance policies” at the core. When you experience a fire, this should help ease your mind. However, one very important thing to remember is that you may, unfortunately, discover that your insurance company is not your friend once you file a claim. By their very definition as a ‘company’, your insurance company is in the business of making money. They will try to find a way to offer you the smallest settlement possible, or even deny your claim if they can.

Noble Public Adjusting Group strongly suggests, considering the issues listed above, that you hire us to handle your insurance claim after a fire in Florida. We are actually the only fully-staffed public adjuster in the Florida Panhandle. Insurance can be tricky, but we are experts when it comes to the language of insurance and fire damage claims for both homeowners and business property owners. Once you hire us, we take over your fire damage claim, handling everything going forward. If the fire loss just happened, we will contact your insurance company for you. We will do all the paperwork regarding the claim, and even contact the professionals who will restore or replace your home or business and its contents.

We will be releasing you from the burden of worry and paperwork. You have enough to deal with after experiencing a fire. If you’ve already received a payment from your insurance company, you may be entitled to more; if you’ve been denied you may have some coverage you didn’t know about. By using us as your Florida public adjuster, you could easily find yourself getting as much as 747% more of a settlement from your insurance company than if you had handled the claim yourself.