1st Party Homeowner claims: The first thing that we do is to verify the cause and origin of the loss, and then we apply the policy, whether it be Renters, Condo, or Home Owners. We survey the damages, separate Structure & Contents and proceed to quantify the claim, again applying any sub limits, exclusions, or overall limits. We can also handle Additional Living Expense and execute a proof of loss. We also settle claims with Public Adjusters but we are best at establishing quick rapport so that an insured does not feel the need to deal with anyone other than the carrier. We have settled thousands of 1st party Home Owners claims from simple fences to complete burnouts.
This was a kitchen fire in a large Victorian style dwelling.
All exterior elevations are photographed.
Then the source of the fire is photographed. In this case it was in the kitchen.
The fire then spread into the living room.
There was a pantry, in the other direction, that the flames spread to as well.
The fire then went up the stairs to the second floor.
The wall covering in the staircase and landing were burned and bubbled.
The rest of the house sustained heavy smoke and heat damage. This is one of the bedrooms.
The 2 floor bath had heavy smoke damage.
The fire department overhauled the ceiling in the second floor hallway. Most of the house was plaster over wood lathe walls & ceilings.
Both the attic and the basement sustained smoke, heat, & water damage. Most rooms in the house sustained similar damages or worse.