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Fire Damage Claims

Dealing with a fire is one of the most terrifying experiences as a home or business owner. These situations can endanger your life and the life of your loved ones, aside from any material things. No matter how many precautions you may take, accidents can happen at any moment. It is important to have an insurance policy that will cover all the damages caused by a potential fire on your property.

Carolina Claims Solutions is here to guide you through the entire process of your insurance claim and help you restore your kitchen or any part of your property to the fullest. Fires can be created in many ways including accidentally leaving the stove/oven on, briefly stepping away from cooking, and leaving candles unattended. Situations like these are covered by most policies.

Carolina Claims Solutions strives to recover the most money for your claim in the shortest amount of time possible. There are times that call for insureds to vacate their property due to its damage. Most policies have coverage for expenses as such. Allow our dedicated adjusters to be there and support you during these tough times.

Contact Carolina Claims Solutions now for a FREE inspection to help you with any Fire damage now!

Frequently Asked Questions

How long will the fire insurance claim process last?


If you’re attempting to handle your claim without professional claim help from a public adjuster then common mistakes will likely result in a delayed settlement. Barring mistakes or unforeseen variables, 90 days of the date of loss is a reasonable time for a fire insurance claim to settle.




My insurance company has ruled my fire claim suspicious and the investigation is taking longer than I expected. Is this a normal?


If the cause or origin of fire damage is unknown then the insurance company will certainly take an investigative approach. This often results in claimants who feel like suspects rather than victims of a heartbreaking loss. The fire investigation conducted by the insurance company and/or government municipality can take weeks or months to complete. Until the investigation is complete the fire claim process will be at a halt and no settlements will be made. The insurance company will send you a document called a “Reservation of Rights” which will notify you of the pending investigation. It’s possible that a skilled and experienced fire damage adjuster- a public adjuster- will be able to negotiate a partial advanced settlement during the investigative process.




The insurance company is asking me to submit so many documents and even personal information that doesn’t seem related to my fire claim. Do I have to comply?


Your cooperation with the insurance company and it’s adjuster is essential during the claim process. If you feel like the requests are unreasonable or that the carrier is attempting to make the process purposely difficult then contact an experienced public adjuster for professional fire claim help.




There is still a faint smell of smoke throughout my home even after the restoration. The claim adjuster from the insurance company said the smoke smell will go away with time. Do I have any recourse within the claim process?


Smoke damage can be invisible and is often times subjective. Getting a smoke damage expert would be essential in this case. Your insurance company has an obligation to restore your property to its pre-loss condition so there should not be any remnants of smoke or soot. Smoke odors can infiltrate carpets, bedding, furnishings, clothing, and even the home’s insulation. Soot can clog air conditioners and damage surfaces. Both smoke and soot damages should be included in the fire claim and paid for through your insurance contract. Working with a trusted fire claim adjuster will ensure all visible and invisible damages are documented, substantiated and paid for by the insurance company.




How can I ensure a fair fire settlement for my fire claim?


Insurance companies often read their policies and document damages in their own favor. If you want the best chance at a fair fire claim settlement then get a second opinion about your insurance company’s calculation of the fire damage.




What are the benefits of hiring a fire damage adjuster or a public adjuster to help me though the claim process?


An experienced fire damage adjuster knows how to navigate the claim process. He or she is skilled in understanding and analyzing insurance policies, policy language, damage estimation and settlement negotiations. Hiring a public adjuster ensures the quickest claim process and the largest settlement possible with little hassle from your insurance company.





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Fire Damage

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