What Should I Include in My Commercial Fire Damage Claim?

4/24/2021 (Permalink)

Fire damage in Manda, TX.

What To Include In A Commercial Fire Damage Claim

If your Manda, TX, business has been damaged by fire, you’re probably aware of the importance of filing your commercial property insurance claim as soon as possible. After all, the sooner you can file a claim, the sooner funds can be released and fire damage repairs can begin. However, acting too quickly can result in accidentally omitting some damage from your insurance claim, leaving you with inadequate resources to complete necessary restoration work. Before submitting a claim to your insurance adjuster, make sure you haven’t overlooked any of these common types of damage.

1. Structural Repairs
Damage to your building’s structure may be obvious, especially for parts of the property that have been burned or destroyed by flames. However, the intense heat from a fire can also damage window and door frames, warp glass, and weaken structural components like steel and iron.

2. Mitigation Expenses
Many insurance policies require that you take steps after the fire to prevent further property damage. The cost of any fire mitigation measures, such as boarding up windows and doors or installing a tarp to cover roof damage, should be included in your claim.

3. Water Damage Remediation
Water damage is frequently a corollary of fire damage, usually due to the large volume of water used to put out a fire. Water can seep into porous surfaces and can damage electronics, equipment, and inventory. Wet surfaces and high humidity quickly become an ideal breeding ground for mold, which can spread rapidly through your building. Remember to include the costs of professional water remediation and mold testing in your insurance claim.

4. Smoke and Soot Cleanup
Smoke and soot often affect the entire building, including areas far from the fire. Smoke can cause staining and discoloration and is highly damaging to electronic devices. Lingering smoke odors often require professional odor removal.
Taking the time to complete a thorough property insurance claim can ensure that all your fire damage repair and restoration expenses are covered.