0
The best way to deal with a home fire is to hire your own expert, called a Public Adjuster, and let him deal with it. For a small percentage fee, usually about 10%, a Public Adjuster will assemble the claim, total the entire claim and submit it to your insurance company. They then will negotiate with your insurance company in order to get you the highest settlement possible under your policy. Just one example, the landscaping in and around the house is usually covered by homeowners insurance, but rarely is is on the estimate you get from your insurance company or any contractors either! Just charging for the landscaping can often pay the fee of the Public Adjuster! If you forget something, dont charge for it, or undercharge for it, the money just stays with the insurance company, for that reason, it is to their advantage for you to remain ignorant and unrepresented, dont do it!
Wiki User
∙ 15y ago
Add your answer:
Earn +20 pts
Whose insurance pays for fire caused by neighbors house fire?
Your homeowners insurance will pay. Whether or not the subrogate to the neighbors coverage is up to them. You may also want to consider a Public Adjuster, who is on your side in this mess. He can help you press your claim and get the maximum you have coming. The average settlement is 42% higher when Public Adjuster is engaged!
If you sell your fire damaged home prior to the payment of the insurance claim are you still entitled to the insurance money?
Or nothing at all. You owned the house at the time of the fire. It was YOUR property that was damaged, and you owned fire insurance to cover yourself against a loss from fire. When you sold your fire-damaged home, you took a hit on the sale price: you didn't get as much as you would have had the house been perfect. You are entitled to whatever the claim adjuster estimated the cost of the repair would be.
Do you have to use the adjuster your insurance gives you for a damage estimate?
No, you do not have to use the Adjuster your insurance company gives you for a damage estimate. You can be your own adjuster by getting 3rd party bids for repair or replacement, along with any other covered expenses, like towing and a rent car and medical bills, add it all up and present to your insurance company for payment. Instead of presenting them to your adjuster, ask to work directly with the manager of that office, or go straight to the insurance company. I work as a Public Adjuster, for the Insured, not the Insurance Company. Public Adjusters usually work on property claims and they help homeowners collect the maximum amount possible after a fire or flood.
Is homeowner's insurance liable if your car is at their house and is destroyed by a fire at their house?
Yes
How to get help after a house fire?
Try calling your insurance company.
What kind of insurance pays to replace items destroyed by a fire in your house or apartment?
renter's insurance
If Fire damage to house will insurance cover lost money?
There is usually an exclusion or limit on the amount of currency they will pay for. Its better to bury it in a mason jar in the back yard. Check wth your agent about your specific policy, or call a Public Adjuster, they will also help.
What does insurance law deal with?
This branch as law deals with property, life, and liability insurance; fire and automobile insurance forms; and the regulation of insurance companies' policies and practices.
What if neighbor's house catch on fire then yours but your neighbor has no insurance?
If you have fire insurance on your own home you will be covered under your own policy. You don't need to worry about whether the neighbors house has insurance or not. It does not affect the coverage you have under your own policy.
Does an insurance company send an adjuster no matter what size fire and how do they determine how much to award for damage if no one was sent?
For very small loses some insurance companies take the word of the insured and accept a suitably executed and typically notarized "Proof of Loss". This is a sworn document attesting to the loss. The payment will be made based on repairs, estimates, etc., sent to the insurance company, LESS deductible. Other insurance companies will send out an adjuster irrespective of the claimed value of damages, especially in the event of fire.
What exactly is house contents insurance?
House contents insurance provides insurance coverage for the possessions in your house in case of fire, theft or other damages. If you have a lot of things or your possessions are worth a lot of money you should have this type of insurance.
Can the Insurance Company force you to rebuild your house after a fire?
No, an insurance company can not force you to rebuild your house after a fire. They can tell you how much they are willing to offer you for the damage on your home. At that point you can decide whether to rebuild or move.
