When You Require Housing Relocation After Fire or Water Losses, Don’t Go It Alone

It does not matter if your flood was caused by a faulty hot water heater or the forces of Mother Nature. The same can be said of fire damage from an unattended gas stove or a wildfire. When devastation hits home -yours- your only thought is “Will our lives ever be the same, and if so how soon?” It is a fact that no one reads their property insurance policy until they have to. When it becomes a necessity, the verbiage may be difficult to interpret, along with the mounting fear that its coverage may not be adequate. Losses due to fire and/or water can be incredibly stressful to navigate. So is preparing and submitting either a water damage insurance claim, or fire insurance claim by yourself. It is also a fact that no one has to “go it alone”. United Public Adjusters & Appraisers have successfully assisted thousands of families by providing guidance and resolution throughout the entire claim process/rebuild process. We present this informational document to assist your family during what may be considered your time of greatest need.

There are issues that can arise when homeowners rely completely on their insurance carrier to bring about a satisfactory conclusion to their immediate need for housing relocation due to a catastrophic event such as a fire or flood. During and perhaps long after their water damage insurance claim, or fire insurance claim has been settled, there is the matter of where their family will live. In the meantime, immediately after their residence is declared uninhabitable, suitable housing must be located. This is where United Public Adjusters & Appraisers excels. Your insurance carrier will have partnered with a relocation firm that, frankly, will not consider your family’s individual needs, such as a ground floor bedroom for an elderly family member, or the need to stay within the same school district for the children. Amenities, such as a pool or a two-car garage, are not part of their agenda. Availability is. Period. Instead, United Public Adjusters & Appraisers takes a human approach. We do not fire off a standardized Request for Approval email to your carrier. Instead, we make a solid presentation while referencing policy language (if for example, your carrier makes the argument that temporary housing is not needed). Our goal is to make your carrier aware of your individual needs as well as to obtain them for you.

Every property insurance policy will have a clause regarding a Period of Restoration, defined as the time required to repair, rebuild, or replace damaged property with reasonable speed and similar quality. However, there may be a lack of uniformity in its definition, and it is imperative that both the homeowner and their insurance carrier are on the same page regarding the length of this period. Ideally it should encompass not just the time when repairs are expected to be completed by the insurance company, but also the time taken for the appraisal process, obtaining permits, and adhering to industry standards. Here again, United Public Adjusters & Appraisers will champion your family’s cause with your insurance carrier, at the onset of your water damage insurance claim, or fire insurance claim right up to the day your family returns to your completely, and thoroughly refurbished home. We assist you to navigate and circumvent aspects of the claims and rebuild process to ensure as optimal a result as possible.

A devastating event that renders your residence uninhabitable is traumatic enough without the additional issues that can and do arise for the duration of the lengthy claims, settlement, and renovation process. United Public Adjusters & Appraisers has the experience, expertise, determination, and commitment to not miss a single detail, and to see our clients through to the successful end of their ordeal.

In your time of crisis, rest assured that the United Public Adjusters & Appraisers team will be by your side. Learn more by contacting our team today.