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Fire and Smoke Damage Insurance Claim Help
Fire and smoke damage claims are overwhelming. If you're searching for fire damage insurance claim help, you're not alone. Many policyholders receive underpaid or partial settlements, but you don't have to settle for less.
Fire Damage: More Than What You See
A fire does not just burn property. It causes emotional, physical, and financial damage. Even small fires weaken walls and beams or damage the electrical system. These problems cost thousands in repairs.
Smoke spreads toxic particles into walls, ceilings, carpets, and HVAC systems. If left untreated, these are long-term health risks. That is why your claim must include full repair, restoration, and fair financial recovery.
What NOT To Do When You First Discover Damage:
1. Don't Panic
This first step is the hardest. Try not to panic and remember that there are professionals who can help. Secure an expert public adjuster and then call your insurance company.
2. Don’t Clean Up
It’s a natural instinct but resist the temptation to get things back to “normal” on your own. As soon as you begin cleanup and repairs, you start to lose money on your claim payout. And don’t throw away any damaged items! They’re crucial for maximizing your claim.
3. Don’t Let Things Get Worse
Do what you can to prevent any further damage from occurring, such as covering your roof or broken windows with tarps in order to minimize water intrusion; before the insurance adjuster arrives, and don't make any permanent repairs, such as removing a rotting floorboard.
4. STOP! Do not contact your insurance company
Your insurance company’s priority is their profit, not your protection. Call Farrand Claim Consulting first to have someone truly on your side.
5. Don’t Forget to Inventory
In order to fully account for all damaged property, you’ll need to create a personal property inventory to keep track of each damaged item and its value.
This can be hard to do after catastrophe, which is why we always recommend creating your personal property inventories well before disaster strikes.
Access the FCC’s free PPI database tool via the official FCC database.
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How We Navigate Fire Damage Insurance Claim Help
Handling a fire and smoke damage claim on your own is risky. Insurance companies train their adjusters to protect their interests. We are trained to protect yours.
Full damage inspection to ensure nothing is missed
A clear strategy tailored to your policy
Negotiation with the insurance company from start to finish
Your Partner in Recovery
We offer more than paperwork support. We bring a strong team and proven partnerships to guide your recovery.
Fire and smoke restoration contractors
Smoke damage cleanup experts
Short-term housing providers
Emergency response professionals
Legal support when needed
Hiring a public adjuster is not a risk. It’s an investment in getting what you deserve.
Call Farrand Before You Call Your Insurance Company
Your insurance adjuster is not on your side. Every delay or mistake costs you money. The sooner we step in, the stronger your position becomes. Call us immediately after a fire so that we protect your interests from the start.
Claim Categories We Handle
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Local Service Areas
Minneapolis, St. Paul, Rochester, Duluth, Bloomington, Brooklyn Park, Woodbury, Plymouth, Lakeville, Blaine, Maple Grove, St. Cloud, Eagan, Burnsville, Coon Rapids, Lacrosse, Hudson, River Falls, Menomonie, Barron, Shell Lake, Spooner, Hayward, Superior, Chippewa Falls, Turtle Lake
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Let's Talk
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