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Answers To Four Basic Questions About Fire Damage Insurance

fire damage cleanup stockbridgeInsurance policies are often the product of mundane legalese that is difficult to comprehend. This, understandably, leads to a great deal of confusion for homeowners regarding their fire damage insurance plans. To help clear up some of the confusion on basic issues, here are the answers to a few key questions about fire damage from our cleanup experts at Restoration 1 in McDonough in Stockbridge

Fire Damage Cleanup In Stockbridge

What Is Fire Damage Insurance?

Fire insurance is a safety net you pay for so you won’t be financially devastated if your home catches fire and you end up needing fire damage cleanup services. While no one enjoys having to increase their monthly expenses, this is well worth the extra money for the security and peace of mind it brings. There are many different fire damage insurance companies you can use so you will want to browse the different policy options out there before settling on a fire damage insurance policy.

What Does It Cover?

At a minimum, fire damage insurance covers the basic idea of what a house fire is. For instance, if a power outlet short circuits and causes a fire to spread to the home, that should be covered. One key stipulation is that you were not negligent in allowing the fire to occur. This will vary somewhat based on the policy but if you allowed a problem conducive to fires to go on unfixed for an extended period of time and that problem causes a fire, you may not be covered in that case.

Do I Need It?

The short answer — yes. The long answer — definitely, absolutely, without a doubt! Fire insurance is not expensive. However, the peace of mind it provides knowing that a disaster could destroy your home and everything in it, and you would still be alright financially is well worth the price. If you don’t have your home insured with fire damage, our fire damage cleanup experts highly suggest you consider doing so today!

How Should I Work With My Insurer?

This is one of the most important questions about fire damage insurance. However, not many people know how they can effectively work with their insurer. While there are many different strategies that may work, the one principle that is key in all of them is communication. You and your insurer must be the same. Otherwise, miscommunications are bound to happen and you may not receive the treatment or compensation you think you deserve. When you have questions, don’t hesitate to ask them right away. Moreover, it’s also ok for you to question a decision made by your insurer. For instance, if you disagree with the amount they provided you for your claim, you can appeal their decision so you can argue for why you need more money in your claim.

Don’t let yourself get caught up in the tangled web of complicated insurance policies! If the information above doesn’t help you answer the fire damage insurance questions you need answered, we at Restoration 1 in McDonough in Stockbridge are here to help. Give our fire damage cleanup pros a call any time and we will be able to help guide you through the process successfully.

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Our promise is that we will use the best materials and above code quality craftsmanship to restore your damaged property.

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