Waking up in the middle of the night to find your detached garage engulfed with fire can be devastating. Many people do not know what to do to ensure that the garage, as well as all the items stored inside the garage, can be replaced.
If you wake up to find that your garage has burned to the ground, use the following guide to learn how a public adjuster can help you get properly compensated for the damage that has been done.
A Public Adjuster Will Help You Prove You Did Not Set the Fire Yourself
When a piece of property burns down, insurance companies sometimes assume that the property owner started the fire on their own to try to get a settlement from the fire. If you did not set the fire yourself, the adjuster will be able to help you gather reports from the fire department and detectives who are handling your case.
After a fire occurs, the fire department will send an inspector to the property to thooughly inspect everything. They will be able to determine where and how the fire started.
If someone started the fire, an investigator will try to determine who started it. Even if the arsonist is not found, you can still file a claim with your insurance company to have the garage replaced. If the fire started through an electrical malfunction, the inspector will list this in their paperwork.
A Public Adjuster Can Establish the Value of the Items That Were in the Garage
When everything inside your garage gets destroyed, you may not be sure how to prove to an insurance company the value of the items. You will need to provide your public adjuster with any information you have about the items. Provide them with titles to vehicles, tools and equipment. If you have recent pictures of the garage, you can provide those to the adjuster too.
The adjuster will be able to determine the value of the items based off of their age, condition and original cost. They will create a detailed report that can then be submitted to your insurance company to determine how much compensation you deserve for the damage that was done.
A Public Adjuster Can Determine What the Cost to Repair the Garage Will Be
When a garage is burnt to the ground, restoring it to its original condition can be quite costly. The adjuster will be able to determine how much it will cost to hire someone to clean up the mess and debris. Hiring professionals to clean up after a fire is important because you want to be sure the items are disposed of properly and safely.
The adjuster can assess how much it will cost to rebuild the garage. They will account for all major and minor costs associated with the rebuilding process.
Be sure to get the estimates for the rebuilding process in writing to submit to the insurance company. You may want to get a few different estimates so that you can show the insurance company you are not trying to inflate the costs for the repairs.
Once you have all of the information mentioned above collected, you will be ready to submit everything to the insurance company. The public adjuster will be able to help you get the most money that you possibly can to ensure that you can have everything restored exactly the way it was.
If you find that you need to hire a public adjuster, contact The People's Choice Public Adjuster. Their skilled team will take the stress of dealing with the insurance company off your shoulders.