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Insurance Advice for Fire Flood & Tornado

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Advice, Insurance Claims Help, Insurance Dispute | Posted on 04-27-2010


Simple insurance advice after a fire, flood or tornado is critical to obtaining a fair settlement.

Unexpected events really do occur, in spite of our natural tendency to anticipate or prevent them. Dealing with damages caused by fire, water or tornadoes is one of those unpredictable incidents that no one wishes to endure. Due to their unforeseen nature, such events are the most alarming and destructive, both from a financial point of view and from a generally human one. Flooding, due to astronomically influenced phenomena such as high tides and heavy rainfall, while fire damage mainly occurs in deadly combinations of grease, open burner fire, water and electricity that causes heat combustion. In most cases, these incidents can be accidental, or involuntary, even premeditated. Tornadoes are more unpredictable. No matter what form or fashion, these events can be catastrophic.

Unfortunately, once the damage is done, there is no turning back. Fire damage, water, flooding, and tornado damages are usually covered under most insurance policies. Some insurance companies give you the feeling of protection, but wen you need them the most, they fall short of providing the services and coverage you believed you had. Many policyholders unfortunately find out too late that they are NOT… “In good hands,” there is NO… “Like a good neighbor,” and there is NOT… anyone “On your side.”

Many insurance companies have been known to under estimate the damages associated with fire damage, flood damage, and tornado damage. This is know in the industry as “low-balling.” It’s essential that a proper repair is carried out on your property, so all traces of damage associated with the insurance claim will be fixed. You have paid to have all damages repaired by a professional contractor to a pre-loss condition. Many insurance companies will use engineers to “sister,” beams or trusses, using the “band-aid,” approach. Prior to the loss you did not have a repaired or sistered beam, you had a full, undamaged beam. The policy you purchased provides you with a repair to a pre-loos condition. Prior to the fire, flood, or tornado you did not have a band-aid… and you should be sure you do not have one after.

If you have suffered a fire damage claim, a water or flood claim, even tornado damage, you may find yourself fighting with your insurance company on the repairs. Your insurance policy can actually protect you via the Insurance Appraisal Clause. Get free information and insurance advice on how to use an independent appraiser to settle your insurance claim dispute by visiting Insurance Claims Group, Inc. or Insurance Appraisal Process .com

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims