Fire Damage: Johns Creek Claim Support

With Georgia ranking among the top five states for wildfires in 2023, Johns Creek property owners are at a relatively high risk of experiencing fire damage and having to file a fire damage claim.

Homeowners are often left to struggle financially while filing a fire damage claim with little to no support from their insurance. Hiring a Public Adjuster can help simplify the process and maximize your fire damage settlement. A licensed Public Adjuster can help you understand your policy coverage and properly evaluate and document the damage.

Do you have a partial or total loss?

Fire claims are often classified as either a partial or total loss. A partial loss refers to when your home is damaged by a fire but not destroyed entirely. A total loss is when your home is either totally destroyed or when the damage caused by a fire would cost more to repair or rebuild than the property insurance policy's coverage limits. 

Because it’s hard to dispute the damage when all that’s left is a pile of ashes, total loss claims are often much simpler and more streamlined than partial loss claims. If you have a partial loss, be prepared for extensive back-and-forth negotiations with your insurance carrier disputing the extent of the damage, the cost of repairs, and (depending on whether you have an ACV or RCV policy) the value of your home and/or possessions at the time of loss.

Keep an eye out for easy-to-miss smoke damage.

Some smoke and soot damage is hard to miss, but you should keep an eye out for signs of ash or heat damage to your home’s HVAC or electrical systems. Be mindful of any discoloration near air vents, residue on surfaces, or any smoky odor coming from your carpets, curtains, or clothes.

What’s covered by your policy?

If you’ve been impacted by a Georgia wildfire or have a fire claim resulting from an electrical issue or cooking accident, your fire damage coverage may extend to more than just damage to your home itself. Your insurance policy may cover damaged items like furniture, electronics, clothing, jewelry, and other items of value. Check for a specific clause in your insurance policy called contents coverage to get a better understand of what may be covered for your fire claim.

Get help with your fire damage claim in Johns Creek.

You don’t have to go into the fire claim process alone. A Johns Creek Public Adjuster can help you assess fire damage, review your policy, and even negotiate with your insurance for a better settlement.

Unlike regular insurance adjusters, Public Adjusters work for you, not the insurance company. Their job is to leverage their training and expertise to maximize the settlement you ultimately receive from your insurance company. 

Be sure to check resources from the State of Georgia for general claim tips and to verify Public Adjuster licensing information.