We know that during these unprecedented times, you have several things on your plate. Our experts will work on your behalf to negotiate your insurance claim, provide resources, evaluate your options, and take the proper steps to ensure you get the full financial recovery you deserve.
With the multiple wildfires burning throughout California, we know you must be under a lot of stress. Please know that our team is here to help if you need guidance or have questions on a claim or your policy. Here are a few things you can do to prepare yourself and your family.
Before leaving home:
- Catalog. Take inventory of the items in your home to facilitate the claims process after the incident.
- Gather Supplies. Create an emergency kit full of supplies like water, non-perishable foods, a radio and batteries, a flashlight, and a first-aid kit in case of an emergency.
- Collect Important Documents. Gather your most important documents, like insurance policies, birth certificates, and identification cards in one place.
If you are evacuating the area:
- Ready your Home. To prevent smoke from entering your home, shut all windows, vents, doors, Venetian blinds or non-combustible window coverings, and heavy drapes.
- Prepare your Safe Exit Strategy. Develop an evacuation plan, including at least two exit options out of the neighborhood.
- Stay Informed. Stay up to date on information provided by local authorities and law enforcement about when to evacuate and when to return home safely. Alert your neighbors, family, and friends of your location and exchange contact information as needed.
After evacuating the area:
- Secure Temporary Housing. You will probably need to find temporary housing for you and your family. We can secure local accommodations for you, your family, and even your pets. Typically, your local fire department will contact the American Red Cross to help assist you with housing. But, if you have a standard Home Owners Insurance Policy, there is no need to accept their housing assistance if you have a public adjuster to represent you. That's our job!
- Obtain a Copy of the Fire Report. A fire report is a public document in most cities. You will want a copy of it for your records. Also, the Fire Report will be required to submit, along with your disaster relief application, to your county's assessor's office as you are entitled to property tax relief for the duration of time that your home remains uninhabitable. Ask the fire department or the fire investigator for a copy of the fire report. If your insurance company requests that information, we will provide that for them.
- Contact your Insurance Carrier or Not? It is best to contact your insurance carrier immediately after the fire to file a claim and to discuss your coverage. However, it's a good idea to speak with a professional about what "not to say" or better yet, let us call the claim in for you. We know exactly how to file a claim and how to protect your interests.
- Property Protection. All insurance policies require you to secure the property after a fire or damage to your property. In many instances, the Fire Department will call out a local contractor to board-up your home or place a fence around the property. You have the option to choose who you would like to do this work. You can even board-up your property. As independent public adjusters, we know the best companies to use and can head off outrageous board-up costs.
We can help:
Call and schedule an appointment and let us help you:
- Understand the impacts of mandatory evacuations on homeowners and businesses.
- Understand the roles of everyone after a fire (the family, the carrier, public adjusters, attorneys, contractors, restoration companies, the government, demo, and debris clean up companies, etc.).
- Understand how policies “really” payout.
- Options a family can make (rebuilding, buying someplace else, not doing anything and how any of those affect your financial recovery)
- Learn how to prepare a claim for your home and personal property.
- Dissecting your policy - the different coverages included and how they “really” work.
- Should you let the county do the clean-up and give them the right of entry?
- Temporary Living Costs - How it Works?
About SunPoint Public Adjusters:
SunPoint Public Adjusters, Inc. are professional loss consultants, commonly known as public insurance adjusters. We are licensed by the California Department of Insurance to represent the interest of a policyholder after a disaster. The public adjuster’s role is to prepare, present, and negotiate the claim with only his/her client’s best interest at heart. We are advocates for the insureds. Our role is to prepare, present, and negotiate major residential, commercial, and institutional claims on behalf of policyholders. Our experts ensure you get the recovery necessary to make you whole. We focus on your insurance claim so you can focus on rebuilding your life.
Our team of public adjusters, building cost consultants, inventory specialists, forensic accountants, equipment consultants, and many other experts make up a group unmatched in our industry. Let our team of experts become your team after a disaster strikes your home or business. Our goal is to give the full financial recovery you deserve and lift the burden of a claim.
Get the Full Insurance Recovery you Deserve
Insurance claims for fire damage are always challenging because the damage goes far beyond what is visible to the untrained eye. Our public adjusters know how to investigate, estimate, and ultimately recover the maximum settlement for your fire damage claim.
Don't settle for less than what you rightfully deserve. Contact our experts to get your questions answered and the help you need.
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