Essential Tips Home Owners Need To Consider When Claiming For Water Or Fire Losses In Encinitas CA

In some cases, the damage caused by smoke can sometimes be as severe as the damage caused by burning. Items that contain porous materials can absorb smoke and be left with unpleasant odours. e.g curtains, carpets and soft furnishings. Smoke damage removal is frequently possible if done by specialized contractors.

The most common damage is caused by water from a variety of sources. e.g burst pipes, leaking roofs, flooding and from fire extinguishers. The unwanted side effects of water damage are mold, mildew and harmful pathogens. Your local water and fire restoration company will use blowers, driers and dehumidifiers to dry lout your possessions and then treat them with disinfectant and deodorizers. They will also treat to eliminate any outbreaks of mold or mildew.

There are many reasons why people do not claim the maximum amounts allowable under their insurance policy. Make sure you read you policy carefully to see exactly what is covered and for how much. Are you covered for emergency hotel accomodation? If yes, for how long and to what value. If your car was damaged, is it covered by your policy?

All heating appliances are a potential risk to starting fires in the home. e.g. open flame heaters and electric heaters. This is especially the case where open flames are involved. Take care not to leave any flammable products close to heating appliances. You are at most risk during the cold winter months when you need to keep warm. Sparks from burning wood fires pose a real danger.

For very large insurance claims it is very important to make sure that the loss adjustor has accurately assessed all your losses correctly. If you have documented all your damages thoroughly with pictures etc,you can always get a qualified professional to give you an independant second opinion. It may also be possible to make additional claims at a later date if additional losses are found. If in doubt, always seek expert advice.

Not all home insurance policies cover you against flood damage, so check your policy and update it if necessary. There is not much you can do to prevent flash floods from heavy storms. At least make sure that all your drains are unblocked and working correctly. Once you have taken basic precautions, the best thing you can do is to make sure your insurance policy covers you for flooding.

For more helpful information and our telephone contact details, please visit our Water Fire Wizards website at https://waterfirewizards.com or our local Encinitas CA branch