The last thing needed after a fire has destroyed the dwelling of a homeowner is to enter into insurance company negotiations. That however, is what every homeowner faces in this case. When filing an insurance claim, individuals enter into contract agreements with their insurance provider in order to begin the fire reconstruction process. Click this content for more details.
The value of the house and personal property involved in the fire is up to the homeowner to represent it. Without overvaluing the loss, it is up to the insurance provider to negotiate a damage claim on the house and personal property. Is it possible for a homeowner to deal with this personal challenge on their own, or is it prudent for a lawyer to negotiate on their behalf?
It is clear that a competent repair service company should seek advice from the homeowner. A homeowner’s rights and best interests will be represented with the support and advice of a firm that manages circumstances such as fire loss, flood damage and storm damage. In order to decide whether it can be fixed or whether it will need to be replaced, any bit of damage to the structure and personal property is inspected and moved along.
Problems occur all the time when possessions are only slightly affected or the damage to the naked eye is not visible. In these cases, insurance companies sometimes prefer to fix the good rather than replacing it to try and save some cash in the negotiation of the deal. The issue with this is when the repair turns out not to be sufficient to fix the problem. When a fire has left smoke damage and so on rafter beams, an example of this is.
If an insurance agent attempts to save money by repairing the problem with an odour sealant such as Kilz, and the issue is merely masked, at a later date, the problem is still there for the homeowner to deal with. Professional repair firms can work with insurance companies and provide the homeowner with a better solution to problems inside the home instead of masking them for later headaches.
Hardwood floors damaged by water and smoke are another problem that is used a lot in renovation. The insurer always suggests sanding and resealing the floor. However this is a cover for the underlying future problem that is created by buckling caused by the water used to put out a burn. Emergency restoration services are aware that a floor expert really needs to come in and assess the extent of the damage to the flooring. Sanding and resealing would be perfect in some cases, but others will point out that the floor thickness will be weakened in sanding and thus it is easier for the floor to be redone. Many insurance firms would look to prevail without a specialist to serve a homeowner by offering up some reason for why a fix is good, particularly in cases where replacement is clearly a better choice for the homeowner.