A house fire can do a great deal of damage to your home. Destructive flames, smoke, soot, and extreme heat are all given off by house fires. But in some cases, it may not be the fire as much as the water used to put it out that causes the most damage. The power and pressure that come from fire hoses can damage the surfaces of your house. The agent itself can be corrosive, leaving pockets of standing water throughout your home. With such water damage comes the potential for mold growth. Mold spores can begin to take root and grow within 24 hours of an extinguished fire. This will lead to even more problems such as the eating away of drywall, floorboards, and wood in your home. In other words, water damage compounds the destruction caused by the fire.
Once the fire has been put out, you will need to take careful steps to reclaim your house. You should take the following actions:
- Do a preliminary inspection
Check with the firefighters to make sure it is safe to enter your home. While outside, you should carry out a preliminary inspection of your roof and windows. Once inside, you should check out the ceiling, walls, stairs, and flooring. You should also inspect the electrical sockets.
- Call your insurer
You should begin the process of restoration immediately. To do so, you must first speak with your insurance provider. If your home is uninhabitable, your insurer should provide you with temporary living arrangements and money for food. They should also put you in touch with the representative who will handle your case.
- Take pictures of the damage
Use your smartphone to take pictures and video recordings of the water damage. It is essential to do this right after the fire has been extinguished. Document anything else that may have been affected by such damage, including mold growth.
- Call a water damage restoration professional
You will need professionals to help you clean up, reclaim, and restore your house. This is not something you can do on your own. Water damage restoration professionals can bring a range of tools and expertise to the scene. They will help you get your house back sooner than you might otherwise expect.
Getting What You Are Owed
Throughout all of this, your insurance company should be there to back you up with financing. Your insurance company will attempt to minimize the amount of money they pay, but you should not allow them to get away with short-changing you.
Insurance policies are written in dense and highly technical language. You will need someone who can interpret your policy and help you get the money you are owed. Property water damage lawyers specialize in this area. You should hire a water damage lawyer if you are not getting the support you expect from your insurance company.
A home property damage lawyer will ensure that the damage done to your house is properly assessed. Undervaluing the losses you have sustained and the repair expenses you require is one way that insurance companies minimize their payout. Your insurance attorney Rhode Island will work with appraisers, forensic scientists, independent adjusters, and restoration specialists to determine the extent of the damage and the money required to repair it.
If your claim has been denied, Cranston RI property damage lawyers will investigate the reasons. If it turns out that the denial is based on a misleading, fraudulent, or illegal clause in the insurance policy, then your attorney may advise you to sue your insurer. Before you do anything, you should speak to fire damage insurance claim lawyers at Richard Palumbo LLC.