Understanding Your Policy
Coverage A:
Main Structure
This is your main living area.
Smoke penetrates all areas and cavities in the home. Therefore, we conduct a comprehensive investigation of the building's damage.
We create a detailed, itemized estimate of the damage and document:
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Material & structural issues
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Water & Smoke Damage
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Cost of Debris Removal
coverage B:
Other Structures
This includes sheds, barns, and other outbuildings included under your policy.
We comb through your policy examining what coverages you have and which
limitations are in place.
We Document:
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Damage to structures apart from the main dwelling
Coverage C:
Personal Property
Contents and belongings lost through fire damage.
Knowing when personal property should be replaced versus when it can be cleaned and restored is essential for maximizing the coverage provided by your policy.
We help to provide:
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Comprehensive list of lost contents
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Gather photos and current pricing of items
Coverage D:
Loss of Use
Temporary Housing & Cost of living during repairs
While your insurance claim and the renovation of your property is in process, you may have to incur the expense of temporary housing.
We help you navigate this process.
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It is likely that your policy has loss of use limitations
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Consider a time vs. cost strategy
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Plan for housing to coincide with repairs
Let’s Work Together
Get in touch so we can start working together.
