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Fire & Water - Cleanup & Restoration

Insurance Claim Tips for Partial Loss Fires

9/22/2020 (Permalink)

Insurance Claim Tips for Partial Loss Fires

Q: A fire damaged my home. What do I need to know?

A: Fires that damage but do not completely destroy a home create special insurance claim issues. These claims are often called “partial losses” because the home has only been partially destroyed. Things to watch out for with partial losses include:

  • Hidden damage (water, smoke, ash, mold, air quality, ducts)
  • Inadequate or improper cleaning and repair methods
  • Delays: Particularly after disasters, partial losses can be low priority for overworked insurance adjusters
  • Disputes over “matching” and line of sight: Repairs should return your property to a “uniform and consistent appearance” even if that means replacing undamaged items such as roof tiles or carpeting.

In any property loss situation, there are basic steps to follow to make the insurance recovery process go more smoothly. Document everything that was damaged or destroyed, file a timely claim, learn and assert your rights to full and fair payment, and get help if and when you need it.


SERVPRO of North Arlington is here for all of your restoration needs.

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