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Suffering from a home or residential fire is devastating. Fire is perhaps one of the scariest natural elements on the planet. In a short amount of time, the roaring flames can take down entire forests, homes, and anything that may be standing in their way. While you may feel as though you’re highly unlikely to be affected by a fire, the reality is that approximately one home fire happens every 86 seconds. While these fires might not be uncontrollable, they can still be damaging. Fires leave soot, debris, and smoke lingering. To repair and replace all that is lost, one will need access to the maximum settlement amounts given in their insurance policies. However, it can be complicated to receive the full amount from insurers. In this article, a public adjuster in New Jersey from United Claims Specialists will offer a few tips to retrieve that crucial settlement.  

  1. Call a Public Adjuster in New Jersey  

The first step one should take is to call a public adjuster. Often, homeowners tend to think that they should call their insurance companies first, but there are a few steps that can boost your retrievable finances. A public adjuster can offer advice that could make or break your settlement deal. They’ll view the damages and aid you in documenting the devastation. The documentation could be through images and/or written words. Some homeowners aren’t thorough enough, but a public adjuster will gather every last bit of evidence.  

  2. Know What is Covered  

The second most important aspect is understanding what is covered under your insurance policy, should fire damage or destroy your home. Certainly, the policy will cover physical damages such as structural breaks, burnt walls, floors, and ceilings, and so on. What some homeowners aren’t aware of is that they can also put in a claim for smoke damage. Smoke gets into the air filters and can produce an unhealthy living environment. Additionally, smoke sticks to the walls and furniture. This will have to be professionally cleaned and removed, which costs plenty of extra money. Having access to your full settlement amount gives you the chance to rebuild your haven.  

  3. Obtain Your Maximum Settlement Amount 

When you obtain insurance, you’re expecting that they’ll have your back during a disaster. Unfortunately, insurance companies can take advantage of your belief in them, neglecting claims, denying them, or offering far less than the homeowner deserves. With a public adjuster on your side, you can rest at ease knowing that this won’t be your situation. In fact, claims filed with a public adjuster are taken more seriously, processed faster, and often paid out to the max.  

If you’re looking for a public adjuster in New Jersey to assist with your fire damage claims, water damage claims, vandalism, and more, contact United Claims Specialists today. We’re the experts and we’re here to increase your claim. We’ll fight for you, and will speak to the insurance company on your behalf. When we’re on your team, you won’t have to lift a finger. We’re here to help! For further assistance, call us today at (855) 321-5677.