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What is the Meaning of Aviation Insurance?

Aviation insurance covers the claims and losses that arise from the maintenance, ownership, or use of aircraft. This coverage extends to hangers and airports and can include damage to aircraft, personal injury, and any property damage that has resulted with regard to covered losses. This kind of insurance is more specifically engineered to cover the operation of aircraft and any risks involved in aviation.

Do Airlines Insure Their Aircraft?

This is a fairly straightforward question and answer. Airline insurance plicies will typically cover the entire fleet and the contract is extended for the period of one year. If you are wondering about the total sum of the insurance policy, you must understand that these fees vary greatly. The fees will differ based upon type, age, and technical equipment. Another important stipulation is that insured indemnity limits for personal injuries also vary greatly and may reach up to two point five billion US dollars.

How Much is Insurance on a Cessna 172?

If you are a qualified pilot, then the Cessna 172 insurance cost will have a range of between one-hundred-fifty to two-hundred-fifty dollars per year for $1,000,000 in Liability Only coverage. If you were to add hull coverage in the amount of $50,000, it would naturally increase the annual premium range to between $450-$1,100. Each of these figures should be reviewed by an independent agent since there are discrepancies that occur over the passage of years. Insurance rates will also change based upon other variables.

What is the Cost of Owning a Plane?

Are you wondering what the associated costs are of owning a plane? If so, please review the following bullet-pointed list to discover more.

• Ultralight Aircrafts – these are single-seat, single engine planes that are operated for recreational purposes. They can be purchased new for an overall cost of eight-thousand to fifteen thousand dollars.
• Single-engine Planes – These particular plane hold two or more people and are easily to maintain than multi-engine planes. These will cost anywhere between $15,000 and $100,000.
• Multi-engine Planes – These planes are on the expensive side of the scale. They will cost an individual between $75,000 and $300,000.

Each of these estimates are approximations and should be taken with a grain of salt. Please do as much independent research as possible before purchasing a plane.

What’s Aviation Insurance

As previously stipulated, there is plenty to consider when it comes to aviation insurance. Aviation insurance will protect an individual from claims and losses that arise from the ownership, maintenance of use of aircraft. All facilities associated with the aircraft can also be covered, such as hangars and airports. 

Aviation Insurance Coverage

Aircraft insurance coverage will extend to repairs to damaged airplanes and aircraft. The amount of coverage you receive depends on how much you want. Your coverage can also extend to airports and hangers as applicable. The insurance could be public liability insurance, passenger liability insurance, combined single limit insurance, ground risk hull insurance not in motion, ground risk hull insurance in motion, and in-flight insurance. 

Aviation Insurance

Aviation insurance can be procured through a variety of different companies. When you are searching for different aviation insurance companies to choose from, it is important for you to select a company that has many positive reviews. This is because you want to entrust your insurance policy to a trustworthy company. Reading reviews online can give you a scope of what other customers have to say about the company. It is also recommended that clients select a company that is established, versus an insurance company that is brand-new. This is because you deserve a responsive team that won’t deny your claim outright. Reviewing the facts will give all parties an equal chance to make things right.

If you would like to discuss the terms of your aviation insurance in Indianapolis, IN, please reach out to us at 833-312-5246 today.

An independent adjuster works for the insurance company, not for the client. They are hired to protect the insurance company’s bottom line and to legally represent the insurance carrier and their rights.

What is the role of a public adjuster?

As the policy holder, you want a public adjuster that has exclusively worked with insurance policyholders to process involved and typical insurance property claims. A public adjuster can assist with documentation, expediting and filing claims. They assist the policy hold with an entire claims process, legally representing the policyholder to the insurance company. They ensure a policyholder’s claim is handled fast, fair, and get the maximum financial compensation.

What does a public adjuster do?

A public adjuster works for the insurance client, representing the client to negotiate the best results possible. They will study the claim and what the cause of filing the claim was for, the client’s history with the insurance company and any insurance company before. 

Why you should hire a public adjuster?

Your first thought as an insurance client will probably be, “My insurance agent will take care of me and see that I am treated fairly with my insurance claim.”. You would be wrong in that thought though. If you think about it, your insurance agent is a salesperson for the insurance company and the insurance company is their employer. They are going to do what they can for their clients – to a certain level.  

So, is a public adjuster good to have on your side? Absolutely!  They will be the mediator between the insurance agent that sold your policy and you, the client with the insurance policy. They will make sure the insurance policy is followed to the final word that takes your best interest, not the best interest of the agent or their employer, the insurance company.

When should you hire a public adjuster?

When you have an unexpected property damage or property loss, your insurance company is going to have a team of experts on their side. A team of experts against you, the policy holder. As a policyholder, you have your obligations, making your premium payments, and you have your rights. One of your rights is having the ability to hire the services of a public adjuster that will be your advocate. 

So, do you need a public adjuster every time you have an insurance claim? Let’s hope not!  When do you need a public adjuster? Here are four times that you should consider hiring one: 

1. Documentation, Filing and Proving the Claim

There can be many complicating factors when filing an insurance claim and a public adjuster is the person that knows what you need to satisfy the insurance company requirements. 

Insurance claim scan quickly become challenging to navigate. Proving the value of what you lost and being reimbursed an amount equivalent to that amount.  A public adjuster will have the experience and knowledge how to handle your claim and ensure you receive an adequate and proper settlement.

2. Understanding the Insurance Policy Language and The Coverage

A public adjuster is going to work for you, not the insurance company. Their goal is to make sure you are financially covered for your loss, so they will work though the complex provisions and processes. They understand the clauses and legal terms that need to be addressed and answered so that you get the maximum settlement possible. 

3. Time Is Money 

When you have suffered a loss for your business or home, you’re stressed with all the responsibilities entailed with both, so time is money, especially if you own a business. Your time is needed in getting things back to normal, not dealing with paperwork. A public adjuster will take a lot of that off of you, allowing to take care of the family or the business, or both. 

Unfortunately, as the insured, the burden of proof is on you to prove you have coming what you feel you is right. A public adjuster will evaluate your insurance policy and determine the best strategy to present your claim. They will make sure everything is documented and detailed, negotiate with the insurance carrier for you, and keep you advised and informed. 

4. Insurance Company Taking Too Long

As a policy holder and claimant, you may feel that the insurance company isn’t answering and responding in a timely manner. Maybe you aren’t comfortable that they have evaluated your claim adequately and thoroughly. When the lengthy process of an insurance claim is longer than you think it should be, a public adjuster will step in and get the attention your claim deserves and that all related expenses are reimbursed as the policy dictates. 

 Disadvantages

1. Only Major Claims: Most public adjusters will only handle a major claim that has expensive items and property involved with catastrophic property damage. Typically, if the claim is less than $10,000, you can’t find a public adjuster to take your case. 
2. A Percentage of the Settlement: Public adjusters have to make a living like anyone. Most public adjusters are paid on a percentage of the claim settlement, which is why they work as hard as they do. The bigger the settlement, the more money they make. 
3. The Process Is Timely: Most insurance claims that public adjusters handle are pretty quick to complete, but sometimes, they can run into issues that require some work to get around. They want to get you the most money possible without having to take the insurance company to court. 

On Public Adjusters

Are you not sure how to get a public adjuster? Ask other people that have used a public adjuster for referrals is the best method. You can also do a Google search for public adjuster services. You’ll get several to call and question their policies and if they believe you have a case. If you have an attorney, they recommend one to you as well. Call 833-312-5246 today for your public adjuster in Indianapolis, IN.

Is all flood insurance through FEMA?

No, but it is managed and monitored by FEMA. Anyone interested in buying flood insurance should contact their insurance provider first. If they participate in the NFIP program, the flood insurance will be issued by the National Flood Insurance Program (NFIP) and managed and monitored by the Federal Emergency Management Agency (FEMA). Flood insurance is backed through this program by the federal government in effort to minimize the impact that flooding has on businesses, homes, and public structures.

Before 1968, if your business or home was damaged or devastated by flood, you were on your own to rebuild and replace because most insurance companies didn’t offer flood insurance. If a company did offer flood insurance, it was expensive and unaffordable for most. This is when the federal government stepped in to take care of the American people and created the National Flood Insurance Program. 

One goal of this program was to offer flood zone coverage that was government subsidized and making it reasonably priced for individuals. The second goal of this program was to educate communities and the residents the dangers of building in flood prone areas and to educate them to avoid possible flooding.

Not every insurer works with the NFIP program though, so your business owner, homeowners or renter’s policy may be through one company and your flood insurance through another. While that seems to be confusing, it also keeps you from having to shop around for the best rate. Why? Because the federal government through FEMA monitors the rates and there is truly little difference in premium quotes for identical policies.

Confused? Call your insurance agent for more information and inquire if the community you live participates in the NFIP offered by FEMA.  Once you have this policy I place, there are numbers you’ll be given in case you need flood insurance claim assistance.

What is not covered under flood insurance?

It will depend which of the types of flood insurance you purchase through the National Flood Insurance Program, where there are two type of flood insurance coverage offered: 

1. Building Property: This is required for homes that are in located in a flood zone and coverage is for the dwelling only up to $250,000.  
2. Personal Property: This coverage is recommended, but not required even in flood zones, and provides coverage for contents of your dwelling up to $100,000. 

Flood insurance is expensive, as much as $700 a year according to FEMA and for homes in flood zones, the premiums can be as much as $2,000. On a good note, the federal government subsidizes some of that amount and as with any insurance plan, the deductible you choose will determine the premium amount, and don’t forget there is a thirty-day waiting period before your flood insurance goes into effect. If you are in the need to file a claim, there is flood insurance claim assistance available to walk you through the process.

Once you have flood insurance policy, don’t breathe relief until after you have filed a claim.  Flood insurance claim denial or underpayment are always possible, like any insurance policy. Being backed by the federal government helps with the premiums but doesn’t guarantee claim payment. 

The following are typical reasons a flood claim is denied, which can be explained in more detail by flood insurance claim assistance representative of NFIP or FEMA: 

• The 30-day waiting period is still in effect
• Proof of loss deadline to file has expired
• Movement of the earth caused the flood
• Adjuster deemed there was pre-existing damage
• Your basement is covered in your flood policy 

Who can buy flood insurance?

Anyone can purchase flood insurance if they are in a community that participate in the Federal Emergency Management Agency’s program, NFIPA.  To purchase a new flood insurance policy, call your current insurance company or an independent agent in your area that participates with the NFIP.

How can I avoid paying flood insurance?

You can purchase an elevation certificate; some insurance companies will require one if you’re requesting to drop your flood insurance. This certificate shows that your building or home is at an elevation compared to the estimated floodwater height that could be reached in a major flood for structures in a high-risk flood zone.

How Do I Write a Letter of Dispute to My Insurance Company?

If you need to write a letter of dispute to your insurance company, you will need to find the proper methods and ways of conveying your thoughts. The first thing that you should do is look into the insurance benefit guide book. The information can also be contained in their policy information. You should check to see if there is a time limit for disputing the claim. If for some reason you can’t find the information you are looking for, you can always call the insurance company’s computer service department and ask about the statute of limitations. 

It is important to note that when the customer plans to dispute a claim that not sign any paperwork or accept any money from the insurance company. If they do so, they can’t seek out a different adjuster or a lawyer. The letter that the customer writes should state that the customer does not agree with the result and that they plan to dispute it. The customer should also state that they plan to file an appeal. The letter should be addressed to the specific customer service representative who handles denials.

What Happens if I Don’t Respond to an Insurance Claim?

If you fail to cooperate by responding to an insurance claim, your insurance company may decide to deny you coverage. Since you are the person initiating the claim, you may feel like the process should be easier since you are cooperating with the insurance company. In all instances of working with the insurance company, it is important that you work with them fully. This is in order to ensure that you have a good level of communication throughout all insurance processes.

Why Do Insurance Companies Lowball?

Many individuals find themselves needing 2nd opinions and dispute insurance claim help. This is because many insurance companies do not provide assistance upon the first appeal for help. A lowball offer happens when an insurance company offers less for a claim than is needed. You will need compensation for medical bills, lost wages, and other covered damages. If that happens, it will be urgent for you to file an appeal and to work with a public adjuster in order to ensure that you are not being taken advantage of by your insurance company. While many insurance companies deny that they lowball their customers, the people who pay them for coverage, reports run contrary to this presumption.

What Should You Not Say to Your Insurance Company After an Accident?

In order to make sure that you are not incidentally falling into a trap with your insurance company, it will be important for you to consider how you are presenting your claim. If you have a justifiable claim with your insurance company, it is important for you to know how to accurately present yourself. Here is a list of pieces of advice for individuals who need to file a claim after an accident.

• “I don’t have a lawyer.” Indicating that you do not have legal representation is a bad thing to do. It exposes yourself as being vulnerable.
• Names of other people involved in the incident. Your insurance policy will cover you, but not other individuals. The statement that you make should be brief and concise.
• Avoid admitting fault for an accident. It is up to the laws of the land to determine who is at fault. 
• “This is my official statement.” If you make any mistakes or slip-ups in your “official statement” it could go badly for you.

It is always best to consult with a professional when handling a serious insurance claim.

How to Dispute Insurance Claim

If you are disputing a home insurance claim or settlement offer, it will be important for you to follow the proper protocol. The first step is to contact your insurance agent or company. Review the claim you originally filed. The next step is to consider an independent appraisal if your insurer won’t pay any more than they offered. The final thing that you can do is file a complaint and hire an attorney. You should only consider this last step if your claim amount is high enough.

Can You Dispute Insurance Claim

If you believe that you deserve a different amount than your claims adjuster, then you should dispute the claim. You should consider your timing very carefully when you are going to launch your dispute. This is because your timing can determine the future of your insurance claim.

Building Insurance Claim Dispute

When disputing the claim it is important for you to have all of your documents and evidence handy. It should be clear what the policy states, what it will cover, and what bills remain to be paid. It may be appropriate to hire a lawyer or a public adjuster if the dispute is egregious in scope. You can also follow up with a supervisor, a letter, and you can also complain to your state’s insurance department.

If you need help to dispute insurance claim in Indianapolis, IN, our team can help. Please give us a call at 833-312-5246 for high-quality assistance.

If you look at your policy, you should be able to find an explanation of the Actual Cash Value (ACV), which lays out how much it will cover. One thing you can do to get larger payout amounts is to upgrade your policy to Replacement Cost Value (RCV). That will compensate you for how much it costs to replace what was taken. Be aware, though, that it will also likely increase your policy cost.

How Long Do You Have to File an Insurance Claim for Theft?

Ideally, you’ll file an insurance claim for theft insurance as soon as possible. Certainly, your priority is to file a police report in hopes of catching the thief and recovering your actual stolen property. Getting your policy to cover the lost goods is, however, a good consolation prize. Most policies encourage you to file a claim quickly, and some specify that you have 48 to 72 hours to report the loss to your insurance provider after the damage occurred. You need to understand whether that time frame starts from the time the theft occurred or from the time you discovered an item was stolen.

When in doubt, get some theft claim help. You can call your insurance provider directly to ask about the process you should follow to ensure your claim is accepted and approved.

What Is the Difference Between a Dwelling Policy and a Homeowners Policy?

Understanding the difference between a dwelling policy and a homeowner’s policy is very important. Don’t make the mistake of confusing the two. On the most basic level, a dwelling policy covers only the actual home structure. That means is something happens to the roof or a wall, the policy will cover repairs. It does not, however, cover anything inside the property. That means your furniture, jewelry, electronics, or any other valuables are not covered under dwelling policies.

Homeowner’s insurance policies, on the other hand, cover the contents of the home. That means all of your possessions. This is in addition to the structure, so with a homeowner’s insurance policy, you get structural coverage and protection for your possessions.

Why would someone choose only a dwelling policy? Well, they’re usually cheaper, so a lot of property owners who have rental properties or vacation homes use them. They opt for the more affordable option because they don’t store personal valuables in those properties or whatever is in there isn’t that important to them (or has low replacement costs).

This is just a general list. You should read your homeowner’s insurance policy to fully understand what’s covered and what’s not protected under theft insurance. Another thing to keep in mind is that, for example, if you have a very valuable art piece of diamond ring stolen, the insurance payout limit will likely be far less than the worth of the item. It’s worth considering adding a separate policy to specifically cover those items in case they’re stolen. That way you’ll have peace of mind knowing you’re fulling protected with theft insurance. Call 833-312-5246 today for your theft claim help needs in Indianapolis, IN.

Here, we have a few steps that are recommended by those in the insurance industry for a starting point.

Do I have a right to a second opinion?

Yes! For whatever reason, they feel obligated to take the insurance company adjuster’s word and accept the payment.  The insurance company isn’t the only one that can have an adjuster look at your property, you can hire your own for a second opinion. There are independent insurance adjusters that work home insurance claims they have experience in the industry and know the ropes.

Why is it important to get a second opinion?

You’ve been loyal making your homeowner’s insurance payments, so you’d like to believe that when the time comes that you have to file any home insurance claims, they would be as loyal and prompt to you, right? Well, guess what?

Insurance companies are a business and like any business, they are cutting expenses where they can, and the bulk of their expenses come are paying home insurance claims. So, their adjuster they send out will look for the least expensive way for them to settle. Remember, your claim isn’t the only one they have coming in, especially if the weather has been bad with storms and winds.

When their offer to settle your home insurance claims isn’t acceptable to you, getting a second opinion is smart. That opinion may not be as much, or they may agree with the first one. But then there is always the chance they find in your favor too.

How do second opinions work?

If home insurance claims are denied, or the homeowner doesn’t feel the offer is fair, they may dispute the findings. Sometimes, you can simply provide documentation and pictures, and the company will review and revise its offer. Other times, it is more complicated and requires an outside adjuster to review the case.

The following are steps that you should follow to have your home insurance claims reviewed for a 2nd opinion on insurance claim:

1. Review and know your policy.
2. Ask for an explanation of why your claim was denied or was less than expected.
3. Have your documents and pictures collected together.
4. Request an independent second appraisal by a person familiar with home insurance claims.
5. Be sure your home shows that you have all the paperwork and receipts where you have done everything a responsible homeowner should.
6. File a home insurance claims appeal.
7. File a home insurance claims complaint if the appeal wasn’t successful.

How Do I Dispute an Insurance Claim Denial?

Are you wondering where to start on your insurance claim dispute? Please feel free to read over the following list to discover more about this important process.

1. Review the claim. The evidence that has been provided to support the claim has a huge impact on the kind of coverage that is extended. Looking at the insurance paperwork, see if any of the damage is covered in any of the articles. By increasing the amount of documentation that is submitted that is relevant to the claim, individuals have a higher likelihood of fairness when it comes to the coverage amount.
2. Contact the insurance agent. After analyzing and submitting further evidence to support your insurance claim, speak with your insurance adjuster. At this point, it’s important to remember that an adjuster from the company calculated the estimate, not the agent who you will be speaking to themselves. Be cordial and listen to what they say.
3. Ask if the claim can be reviewed again. Submit that you have new evidence for the claim, and outline any relevant articles in your contract. Perhaps a mistake was made by the adjuster. Mistakes happen. Ask for another review. After another review is made, the settlement number may not change.
4. Consider an independent appraisal. If your insurance company still refused to change the settlement amount, it’s important to seek out other options. Be sure to select an insurance adjuster who is affordable and located in your area.
5. Your last option is to file a complaint and hire an attorney. This course of action should be undertaken if the claim amount is high enough.

How Long Do I Have to Dispute an Insurance Claim?

After the incident, an individual has two years to settle a car accident case. If the individual is not able to settle the case within that two year time period, then they will have to file suit to preserve the claim. In the state of Indiana, an individual has 180 days to file a Notice of Claim to protect the individual’s right to file a lawsuit when a government entity is involved. 

How Do I Complain About an Insurance Claim?

You have a right to be upset about the result of an insurance claim. Please review the following bullet points to learn more.

• Compose a letter. All insurance consumer complaints against insurance companies must be received in writing. 
• Two ways. There are two ways that a complaint can be submitted to the IDOI. There is an online form that is available, or the form may be printed off and mailed or faxed to the Consumer Services division.
• 72 hours. The complaint that is filed will be processed within 72 hours of receipt.

Can an Insurance Company Refuse to Pay a Claim?

As previously mentioned, dealing with the insurance company is not necessarily a level playing field. While an individual may have a valid claim, many insurance companies have a “deny first” policy. This is particularly true for larger claims. Persistence is key. An individual can file an appeal several times. It is important for each of these processes to have appropriate and accurate documentation. The stronger and more numerous the documentation, the harder it is for the insurance company to dismiss the appeals out of hand.

When to Dispute Insurance Claim

If you need 2nd opinions and dispute insurance claim help, it’s important to know where to turn. Insurance of all kinds is regulated independently. Insurance is regulated by each of the states and by the District of Columbia. While it is true that there are slight differences between each of the states, there are a few underlying principles that unite the regulations. For instance, insurance companies must precisely represent what is in the policy. Insurance companies are forbidden from asking an individual to fill out unnecessary paperwork in order to have the claim processed.

How to Dispute Insurance Claim Settlement

As previously mentioned, there is a rigorous protocol that must be followed. To begin with, the claimant must review the policy thoroughly and locate exactly the terms that apply to the claim. Next, he or she must find, locate, and create evidence that supports their claim. There is an appeals process, which can be used to justify the claimant’s need for more financial compensation for their damages.

Dispute Letter for Health Insurance Claim

If you are writing a claim appeal letter, it’s integral that you supply all your evidence and documentation. The letter must be addressed to the director of claims unless an exception applies. The situation must be described in your own words, and you must be persuasive in determining how the procedure should be covered. The evidence must be presented in an accurate and thorough manner.

Scheduling an appointment to dispute insurance claim has never been easier. Our staff at Hope Public Adjusters are ready to take your phone call at 833-312-5246. Discover more about how we can help you dispute insurance claim in Indianapolis, IN!

Where does lightning strike the most?

Because of the atmospheric and humidity creating the perfect condition, the eastern Dominican Republic and northwestern Venezuela have the greatest amount of lightning on earth.  As of 2018, results from studies in America showed that Florida had the most negative flasher per square mile and Texas had the highest flash count. Rounding out the list of the top 5 was Oklahoma, Kansas, and Nebraska in that order. 

Lightning damage has been astonishing and shocking in the United States. Some miracles have been given to somebody or something is struck and of course, there has been lightning damage that resulted in death, destruction, and fires. 

What damage is caused by lightning?

There are 300 kilovolts in a bolt of lightning that can reach a temperature of 50,000 degrees Fahrenheit. With that amount of heat and powered combined, the lightning damage to the human body or a structure can be surmountable. Five ways that the human body can be affected, damaged by lightning are:

1. A Direct Strike: This is the least common but doesn’t cause just lightning damage, it is the deadliest. This happens when lightning moves through the human body. In a direct strike, the lightning current travels directly through the body. The current of the lightening goes across the skin, burning it. Other sections travel through the cardio and the nervous systems, causing brain and heart damage.
2. A Side Flash: This kind of lightning strike contacts an object nearby and jumps over to a person close to it. The person is usually seeking shelter from a tree or other tall objects.
3. A Ground Current: When lightning strikes a tree or other object, and some of the current moves along across the ground, striking a person, it is considered a ground current. This type of lightning is related to most deaths and injuries, as well as lightning damage. It is important to know that it also travels through conductive material like a garage floor.
4. A Conduction: A conduction lightning strike is lightning traveling through metal wires, plumbing, or other conductive objects, and strikes a human. Lightning is not attracted to metal but is a conductor and as such, happens indoors around doors, windows, and electrical outlets.
5. The Streamers: These occur when the positive streamers extend up from the ground and the ions that are negatively charged, create a field of electricity across the ground, creating a step leader with lightning strikes. Once this occurs, other streamers discharge. The streamers can come out of the ground, trees, or a human.

Structure wise, lightning damage can consist of the following:

• Fire: The biggest damaging result of lightning is flammable materials such as wood and other materials that explode easily with exposure to high heat from lightning. The current from lightning can travel through pipelines and wires, burning them up instantly, resulting in lightning damage to property.
• Power surge: If lightning goes through electrical wiring, the surge is explosive and cause lightning damage to any appliance or electrical item that is plugged in.
• Shock wave: Destructive shock waves can happen from lightning strikes. Shock wave lightning damage can fracture brick, concrete, and stone chimneys. 

Is lightning DC or AC?

Lightning is an electric discharge that appears as a flash or spark that consists of several consecutive strokes, each following another in the same track, at intervals of a few 100ths of a second. What we see is a phenomenon that lasts on a few seconds consisting of several high magnitude strokes. Hence, lightning is not AC or DC, but an impulse signal or a series of impulse signals.

Is lightning damage covered by insurance?

Yes, unless your policy has it listed as an exclusion. Typically, lightning strikes, any lightning damage or resulting fires are covered as perils without any exclusions. This includes your home or outside structure, like the roof, that is covered within your policy, your personal property such as appliances, electronics, furnishings, and other interior possessions. 

Lightning can be a beautiful thing to watch – from a distance. During a lightning storm, it always best to unplug your electrical devices, stay away from doors, windows and off the telephone. If you’re outdoors, find a low-lying area, such as a ditch, and not under a tree. If lightning strikes your home in Indianapolis, IN, call Hope Public Adjusters today at 833-312-5246!

How Do You Fix Fire Damage?

The first step to fixing fire damage is to assess the damage caused by the fire. For this step, take a pen and paper, and be sure to organize your results room by room. For instance, for the dining room, you would use ‘Dining Room’ as a header, and establish how many materials and fixtures are damaged and destroyed. A professional expert can then come in and confirm your findings. The second step is isolating unsafe areas of the home. After a fire is extinguished, there’s the double duty of establishing how much water damage has resulted from putting the fire out. The next step is water removal, which is the process of removing all the remaining water and drying affected areas. The fourth step is smoke and soot removal. For this process, it is best to secure a professional service.

The fifth step is the sanitization and property cleanup. For this final, crucial step you will need to get a professional estimate from a company skilled in this process. Experience and efficiency is key to getting your home or property back on track.

How Much Does It Cost to Fix Fire Damage?

Averages matter. The overall average for fire damage repair and restoration costs is approximately $3,500 and $5,000 to recover after a small fire. Big projects usually entail big price tags. If the roof needs to be replaced or a kitchen or bathroom was destroyed, replacing those fixtures safely and efficiently will drive up the overall cost of fire damage restoration.

Is it Safe to Stay in a House with Smoke Damage?

It is absolutely imperative for homeowners to be aware that a home with smoke damage could have negative impacts on their health. Breathing in soot or fumes caused by a fire can have disastrous consequences for your lungs and your overall health. It is not healthy whatsoever to live in a house with smoke damage even if the smoke is entirely cleared. This is because there are health and safety hazards that need to be properly evaluated in order to determine the next steps of fire restoration and safe home living.

Is the Smell After a Fire Dangerous?

The lingering smoke odors that occur after a fire are harmful to humans and animals. Gases from wood smoke cause a “campfire” smell that includes acetic acid, benzene, carbon monoxide formaldehyde, formic acid, and plenty of other noxious chemicals. There is a science to smoke odor removal, and the science stipulates that there are millions of sensory neurons. It’s important to remember that aside from the carbon particle, lingering smoke odors represent a range of harmful substances.

Can Fire Smoke Damage Your Eyes

The eyes, ears, nose, and throat all are conduits to your lungs and organs. Thus, it will remain important to keep those parts of your body away from harmful substances, such as smoke. Exposure to smoke can cause irritation. Symptoms include burning sensations, redness, and tearing. Smoke does harm your eyes. Once you get your home back in order, you may decide to re-evaluate your water heater. Tankless water heaters supply hot water on demand and can satisfy the needs of the home in an efficient manner.

How to Clean Fire Damage

If you’re wondering how to clean fire damage, there is help. Please browse through the following list of how to clean fire damage to learn more.

• Receive permission from a fire marshal to safely re-enter your home. This step is critical if your home has endured a fire that has evacuated the home.
• Assess what items can be saved, and what needs to be tossed.
• Open up your windows and doors in order to allow fresh air to circulate throughout the home.
• Dry wet items before trying to clean any remaining smoke damage.
• With the room properly ventilated, you can clean with cleaning products. Cleaning products can contain harmful chemicals, which is why it’s important to select ones that have effective, non-harmful ingredients. With an effective cleaner and open windows, you take steps to ensure your health is not negatively impacted.
• Wear safety goggles and heavy duty gloves. This step is crucial. Protecting yourself is the most important step in the fire damage cleaning process.

After a fire happens, it can be difficult to know where to turn. If your insurance company is not cooperating, there is fire and smoke damage insurance claims help. Make sure to contact your reputable public adjuster to get the coverage you desperately need. 

How Does Fire Damage Concrete

When a fire is exposed to concrete at high heat, extensive damage can occur. This is because of the extreme temperature of the fire that shocks concrete. Through prolonged exposure to fire, the steel beams contained within concrete can weaken, leading to building structure integrity loss.

Our company can help you with your fire damage. Our staff at Hope Public Adjusters are ready to take your phone call at 833-312-5246. Discover more about what we can do for your fire damage in Indianapolis, IN!

Frequently Asked Questions

• What kind of water damage does insurance cover?
  • Your insurance will usually cover damage to your property caused by a leaking pipe or a burst pipe. Basically, if water damage occurs to your property because of a leaking pipe, the property will be covered. The pipe itself is usually not covered by insurance.
• How do I file a claim for water damage?
  • Start by turning off the main source of water to your home. If you can see where the problem is, put a temporary patch over the area to prevent further damage. Then contact your insurance provider and give as much detail as you possibly can about the leak, where it is, what caused it and what you have done for a patch.
• Is a plumber liable for water damage?
  • If it can be confirmed that a plumber incorrectly or inadequately worked on your pipes, and those actions thus resulted in water damage, then yes. The plumber would be legally liable to correct the issue. 
• Does insurance pay for water damage?
  • Insurance will usually cover water damage when it has occurred suddenly or accidentally. This could be from a burst pipe, a toilet backing up, or a leak in an area of your home that you don’t frequent often. 
• What do you do if you have a water leak?
  • If you have a water leak, the first thing you need to do is turn off the water source. Doing so will prevent further damage to your property and your pipes. Once that is done you can either contact a plumber or your insurance provider for assistance.