Insurance Help When You Need The Right Answers
Fire and smoke damage is almost always the most devastating disaster a person will ever have to deal with regarding an insurance claim. When a property has a fire the end result can include not only the area of the fire but the smoke that can fill the interior of your property will not only damage the structure but it will also damage the personal belongings in that property.
On top of the fire and smoke damage you will also have water damage from the fire department putting out the fire, along with other destructive measures taken to save your home or business. Please make sure you have plenty of photos of your property, so if this does ever happen to you, you will be prepared to show your insurance company before pictures of anything you believe is worth more than an average home would have.
Think of it this way, you may have built an above average game room in your basement, with an extraordinary bar which is worth XXX amount of dollars. Without proof, you may not get to rebuild that area or areas to before loss condition unless you pay out of pocket. The very best advice I can give you is to get your home appraised after doing any major upgrades and give that new appraised value to your insurance company.
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