In the time it takes you to read this article, two homes somewhere in the United States have caught fire.
That’s how common house fires are in America: there’s one every 86 seconds, according to the National Fire Prevention Association.
That’s a lot of fires, and a lot of PA fire claims.
Years of dealing with PA fire claims have taught us all the ways fires can happen and some of the ways fires can be avoided. Here are some fire prevention tips everyone should know.
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Before chimneys came along, keeping your home warm meant building a fire pit. You’d have to cut a hole in your roof for the smoke to escape.
Even then, you’d still have to live and work in a fairly smoky environment, while also contending with an open fire in the middle of your home.
Then came the Middle Ages, and with them the chimney, forever changing the way we heat our homes. Yet even after 900 years, we still haven’t perfected the chimney.
Chimney fires cause millions in property damage each year, destroying homes, putting lives at risk and leading to countless Cumberland County, NJ smoke claims for insurance companies.
Yet there are ways you can protect your home and your family and ensure your chimney does its job. Here are a few different ways you can prevent chimney fires and smoke damage.
Continue reading "5 Easy Ways to Prevent Chimney Fires"
It’s a nightmarish thought. The smoke alarm goes off, you see flames in your kitchen, and soon you and your family are fleeing to safety.
The fire department arrives fast enough to save your home, but it’s clear things will never be the same again. While some people choose to move out and move on after a fire, it’s hard to imagine giving up your home.
Still, there’s some work involved in moving back in after a fire, from cleaning up to filing fire claims. Bucks County residents who’ve experienced a fire can begin to recover by following these steps.
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It’s something we see all too often in our line of work: Someone has had a claim denied by their insurance company, and they come seek out a public adjuster for help.
Unfortunately, there’s not much we can do for people after a claim is rejected. But a licensed public adjuster can play an important role when they become involved early in the process.
Read on to learn how using a public adjuster can help you avoid claim denial.
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When you’ve suffered property damage, you’re not required to simply assume that the insurance company is providing you with adequate compensation for the loss. You’re well within your rights to hire a licensed public adjuster. In fact, when all is said and done, you’ll be glad you did.
One of the biggest challenges most owners face when looking at their destroyed property is being so overwhelmed by the destruction, they’re unable to fully process the magnitude of the loss.
Continue reading "The Benefits of Hiring a Licensed Public Adjuster"
We all take steps to prepare our homes in case of a fire.
We keep fresh batteries in our smoke alarms, we make emergency plans with our families, we put rescue stickers for kids and pets on the windows for firefighters to see.
But have you thought about what would happen after a fire? Even a small fire is likely to cause some damage, and you’ll want to file an insurance claim.
Here are some things you should know about that process.
Continue reading "5 Tips for Filing a Fire Damage Insurance Claim"
There are very few experiences in life more traumatic than standing by helplessly as your home is destroyed by flood damage, fire damage, or some other form of unavoidable catastrophe.
And yet no matter how stressful and frightening it may be to live through a natural disaster, the fact remains that if you’re a homeowner or business owner, you now have the added stress of needing to submit an incredibly detailed claim to your insurance provider.
Indeed, if you have any hope of being reimbursed for the damage caused to your property and its contents, preparing an accurate insurance claim should be one of your very top priorities following a disaster.
There a number of other steps you’ll need to cross off your post-disaster to-do list at the same time, however. Many people who find themselves in such a situation discover early in the process that hiring a public adjuster can be a huge time- and energy-saver. It can also lead to substantial financial savings (more about that later).
Continue reading "What to Do After a Fire, Flood, or Other Natural Disaster"