Insurance companies are known to cut corners when their customers file claims.

That is why you should be aware of potential issues with New Jersey fire claims. Otherwise, you will end up losing a lot of money on your claim.

You can count on the leading public adjuster in New Jersey to provide in-depth information and insights on these key matters.

Fire Claims and Insurance Companies

A fire outbreak can be a cataclysmic experience. The conflagration can seriously damage your precious property. Getting lowballed by your insurer is the last thing you will want.

Many homeowners naively go along with the insurance company claim adjuster owing to the inherent complexities of such matters. However, the adjuster will be looking for opportunities to reduce the claim amount.

Tips on New Jersey Fire Claims

Hence, you need to follow the New Jersey fire claim tips mentioned below to ensure that you are awarded a maximum settlement amount.

1. Keep Personal Property Under Your Control

In the immediate aftermath of a fire outbreak in your property, you should not allow the insurance company or any other restoration company to remove, repair or discard items. Remember that relinquishing your possessions without fully understanding available options and your rights can mean a massive reduction in the settlement amount.

Any money spent on clearing up damaged property is deducted from your claim amount. This deduction will be made even if you are not satisfied with the results.

Keep in mind that it is your decision. Before allowing any restoration or cleanup effort, talk to a public adjuster.

2. Damage Assessment

Smoke and fire damage claims are complicated processes. Bearing this in mind, know that progress won’t be quick.

Do not hasten to hire a contractor for repairing and/or rebuilding your property.

Getting a few bids for reconstruction and repair work is much better. Do not commit yourself to any agreement or contract signing at this early stage.

With these estimates at your disposal, you will get a fair idea of how much you should receive from your insurance company. This way, you won’t be shortchanged. Plus, you will know which contractor is offering reasonable rates.

A competent public adjuster can analyze your insurance policy and find ways of maximizing the settlement amount. The public adjuster can help you get an amount over the policy limit. For that, the public adjuster will prepare the necessary documents and negotiate with your insurer.

3. Take Out an Advance

If you have lost essential possessions like food or clothes, you can request the adjuster to give you an advance. Write down the request and hand it over directly to your insurer.

Under your policy, you may be entitled to receive an advance. However, know that your insurer will deduct the amount of the advance from your claim settlement dollars. So it would be prudent to limit the advance just to the bare essentials.

In case your insurer is not giving you the much-needed advance, you can take help from a reputable public adjuster.

4. Inventory of Personal Property

Your insurance policy should cover all items destroyed or damaged by fire and smoke. To avail of this benefit, you must prepare an inventory of all damaged or destroyed items.

This will no doubt entail plenty of work on your part. However, doing it is imperative if you want to receive the full claim amount.

A lot depends on this task. So make sure that you carefully note down all instances of property damage.

Visit and inspect all rooms. Note down all items and record their price, description, and age. If any information is missing, get back to it later. You will finish the task faster this way.

5. Proof of Loss

Your insurer will rely on the proof of loss document to settle your fire claim. Basically, you are declaring damages incurred due to the fire in this form.

You will have to submit this form to the insurance company first before receiving your claim amount.

Be warned that any error in this Proof of Loss document can lead to all sorts of problems, from delays to an outright claim denial by the insurer.

That is why you should take professional assistance from a public adjuster to ensure no costly error.

Are you looking for a public adjuster in New Jersey?

You should take no chances and be certain of receiving a much higher claim amount through the professional assistance of a reputable public adjuster.

A competent public adjuster is aware of all intricacies and complexities surrounding fire insurance claims. They know what tactics insurers use to reduce the claim amount or deny it. With their profound insights and experience, public adjusters are well poised to thwart such shady tactics. Hence, you should avail professional assistance from a public adjuster for all your New Jersey fire claims.

If you are looking for a public adjuster in New Jersey? Contact New Jersey Fire Claims today. A trustworthy public adjuster will go the extra mile to receive the full amount that is rightfully yours.