WHO WE ARE
Reliable Insurance Claim Navigation Services
Significant damages to your home can lead to filing a claim for compensation with your insurance company. Fire Advocates has extensive experience navigating the insurance claim process that arises after the aftermath of a fire to the best possible outcome. We guide our consumers through the full claim procedure, from start to finish – offering our insight and advocacy. We research, document and substantiate your damages and assert your right to recover from the insurance company. Once we establish your maximized claim payout with your insurance company, we strive to restore your property back to its original state in a flash without any inconvenience to you, billing the insurance company directly for the restoration expense.
If you feel overwhelmed with the process of filing an insurance claim, or if your insurance provider is uncooperative, we can provide restoration estimates in a timely manner and assist you with all insurance and restoration procedures moving forward. We assume responsibility for early damage evaluations, claim submissions, and restoration recommendations, not to mention final restoration work completion! What’s more, we follow up with advanced sanitizing methods, such as smoke odor elimination and renewal of personal items or effects.
Unfortunately, insurance companies usually aim to minimize the amount they payout on claims. As a result, you could end up covering repairs out of pocket! When you work with Fire Advocates, you’re hiring a company who will work for you and look out for your interests, not the interests of the insurance company!
Fire Advocates From the Rest
Unmatched Response & Restoration Time
When it comes to major fire damage, it’s paramount to act quickly if you want to achieve the best resolution. As such, we strive to reach your property within an hour of your request, day or night. Our team renews any surfaces or items that suffered fire damage in the shortest amount of time possible – usually within a day depending on the extent of the damage – so you can resume your day-to-day activities without further interruptions, or another thought on the matter.
No More Cost to Our Customers
Refreshingly Simple Customer Experience
We field a staff of caring, transparent and reliable professionals who are able to resolve any fire damage emergency. From an attentive supervisor directing the project, to a real time photo gallery of the restoration, to using heating systems and power sources in case of compromised heating or electrical infrastructure – and anything else in-between – you can have confidence knowing you have made the best possible decision when you partner with Fire Advocates for your restoration needs.
Masterful Craftsmanship & Superior Attention to Detail
Our highly-skilled fire damage restoration experts, who have decades of experience serving our local community, employ advanced tools, safety measures, cutting-edge procedures and the highest quality materials – with superior attention to detail – guaranteeing a remarkable restorative outcome, renewing your property back to its original state… or even better than before. We’re so confident in the quality of our restoration services that we offer an industry-leading 5-year warranty on all work performed by our company and a lifetime service guarantee.
Well-Known in Our Community
Do’s & Don’ts In the Aftermath of a Fire
Following a fire related event, there may be many thoughts and concerns that are running through your mind, such potential avenues of recourse – who do you call, where do you start, and when is it safe to re-enter your home? Your local Fire Advocates team is here to assist you in your restoration, by working with your insurance company, doing our best to provide you with a fresh start and meticulously restoring your damaged property. With decades of experience as a leading fire restoration solutions provider, we understand how difficult this time is for our customers and we strive to shoulder the burden.
Our fire “do’s and don’ts” list has been designed to assist you in embarking on the journey to recovery, by ensuring your family’s safety and safeguarding your home.
What to do Following a Fire
- Ensure the safety and security of affected family members and pets.
- Before re-entering the fire-damaged property, obtain approval and permission from your local fire department officials.
- Inform friends, family and loved ones as well as all utility providers (electric, gas, and water) of the fire.
- A fire report is an official document that contains information about the event. Understand and acknowledge the contents of the fire report provided by the responding fire department, and retain a copy for your records. Obtaining a copy is dependent on where you live and the cause of the fire – you will also need this for your insurance claim.
- Call a fire damage restoration company like Fire Advocates for assistance with your insurance claim and property restoration.
What Not to do Following a Fire
- Do not enter the property unless you have been given explicit permission to do so.
- Do not turn on the gas, water, and electricity until an expert has determined that they are safe to use.
- A damaged vehicle should not be moved, used or operated in any capacity.
- Do not attempt to clean any major smoke or soot damage yourself. Leave it to restoration professionals with the necessary protective gear and expertise.
Fire Insurance Claims & Recovery Guide
Notifying Insurance Providers & Mortgage Lenders
We will communicate with your insurance and mortgage lender via call or email to notify them of the event and the subsequent insurance claim filing. Also, your mortgage lender may show interest in your insurance claim and provide a payment deferral as a result.
Claim In Writing
In order to begin your claim, we will notify your insurance provider in writing of your estimated loss due to our evaluation. This includes describing the nature of the incident and the circumstances surrounding the loss in a detailed and comprehensive filing.
Request The Long-Form Policy
If an adjuster is already assigned to your claim, we will request a copy of your long-form policy on your behalf. This is the entire content of your insurance policy, including the declaration page; which will help us determine your policy’s monetary limits as well as any coverages you have available.
Once the authorities have approved the property for access, we will begin taking photos of the damage and organizing them in a binder or digital folder. Next, we will compile pre-fire images of your home by sourcing digital photo albums, cell phone libraries, and social media. These pre-loss images will be invaluable as a comparison, or reference point, for determining what type of restoration methods and materials are required, as well as the extent of the monetary loss.
Safeguarding Valuable & Sentimental Items
We will remove objects from your home that have sentimental significance or are at risk of being stolen or further damaged. We will also take a record of all surviving items before removing them. Finally, we notify your insurance adjuster of the extracted items.
Securing The Site
We will inform your insurance provider about the measures we will enact to secure the property. We will board up the windows, place tarps over the roof, or construct a fence to prevent further damage and discourage looting, depending on the extent of the damage.
Restoring Your Home
With our trained team of fire, smoke and water damage experts, we begin the job immediately in efforts to bring your home back to its original state. From structural damage to the smokey smell left behind after the fire’s been put out, we will make it like nothing ever happened.
Immediate Expenses & Tracking
A cash advance may help you account for your sudden, additional living expenses following the aftermath of a fire. These extra expenses are typically incurred because you are unable to use your home, which may include; rent charges, extended hotel visitation, increased cost of takeout over groceries, additional gasoline expenditure, and so on. We may seek a cash advance from your insurance provider to cover these immediate expenses, which will be reconciled when you ultimately produce the receipts.
Your insurance provider will request your expenses, so it’s important that you organize all of your receipts and place them in a folder for later reimbursement. It’s best practice to also create a digital spreadsheet and note all extra expenses, which will save time in the claims process as it will be easier to reconcile the receipts before sending them to your insurance adjuster.
We need to know what types of expenses your insurance covers and how much coverage you have. Keep all of your receipts and place them in a folder for later reimbursement.
What You Should Understand About Your Claim
Additional Living Expenses
The Claims Process
Discovering Source of Fire
If possible, the insurance adjuster or third-party adjuster will pinpoint the source of the fire.
Determining the Scope of Work
The adjuster will analyze and compute the Loss Scope. They will collaborate with us to develop a Scope of Work for structural repairs, we will collaborate with an appraiser or content specialist to develop a “contents inventory,” which is basically a list of lost or damaged personal belongings.
Determining the Extent of Loss
We work with your insurance adjuster to determine the extent of the loss. They develop an estimate based on the structural Scope of Work and a Schedule of Loss based on the contents inventory, which includes additional information such as age and value of your property and belongings.
Using the Scope of Loss, we will develop a recovery strategy. You choose whether to hire us to repair your property in accordance with the structural Scope of Work or alternatively you can cash out on your claim and manage the process yourself. The insurance provider may choose to issue a list of preferred contractors, and you may choose your own contractor as well, but keep in mind that the sum approved for repairs or rebuilding will always be determined by the initial estimates. We will also assist you in determining if replacing contents, cashing out, or a combination of the two is ideal for you. When selecting what to do with your damaged belongings, keep unplanned costs in mind, as replacing your belongings before your property is restored can result in excessive storage costs.
Negotiations & Settlement
If we believe you are entitled to more than the insurer’s offer, we will negotiate your settlement on your behalf as insurers may underestimate the value of lost belongings or structural repairs. We can also begin repairs at this point in the claims process. We advise that you keep all receipts and invoices for the home renovation.
Deductibles (if any)
At the end of the claim, deductibles are taken from your Contents or Additional Living Expenses settlement.
Reimbursement of Additional Living Expenses
Keep a record of your daily living expenses. Once your home is fully restored, we submit receipts to the insurance company for reimbursement of expenses incurred beyond your typical monthly budget, if you did not receive a cash advance. If you did receive a cash advance, we send the receipts to your insurance company for reconciliation.
Depend on Your Devoted Fire Restoration Experts
It’s not exactly a walk-in-the-park to file an insurance claim after your home has been damaged by a fire. That’s why we work directly with your insurance provider to expedite the insurance claim process and guarantee you receive the best coverage possible under your policy! By managing every part of the restoration process, from the insurance claim, to property board-up and protection to the restoration of your property, you can count on Fire Advocates full-service fire damage recovery approach to ensure a smooth and painless restoration process.
Fire Advocates: Embark On the Express Road to Restoration
Our team of highly experienced and certified professionals are here to provide complete fire damage restoration services. We understand having to deal with the devastating effects of a fire can be extremely traumatic and trying, which is why we work quickly, efficiently, compassionately and with the highest standards of safety to get your home or office back to its pre-fire condition. If you would like to get started on the express road to restoration, please complete the form below and one of our compassionate reps will contact you shortly. Thank you for choosing Fire Advocates and we look forward to helping you rebuild!
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Our Fire Damage Restoration Services in Long Island
Fire Damage Repair & Restoration
Fire damage repair and restoration is an integral part of the property recovery process following the outbreak of a fire. Our professionals are highly trained and equipped to provide the highest standards of fire damage mitigation, repair, restoration and remediation to help you fix your property and possessions back to their pre-fire conditions. We provide all encompassing fire damage services such as structural repairs, property restoration, smoke and soot removal, smoke odor elimination, decontamination, and more.
We provide all encompassing fire damage services such as structural repairs, property restoration, smoke and soot removal and more.
If you’ve experienced smoke damage in your home, our experts assist with restoring your home to its pre-emergency condition.
Smoke Damage Cleanup & Repair
Soot Damage Cleanup & Repair
Soot damage can pose a challenge to eliminate. However, we employ industry-leading extraction techniques for an easy restoration.
With the help of our team, you can be sure of an all-encompassing restoration process that includes water and mold damage restoration.
Water & Mold Damage Cleanup, Repair & Restoration
Board Up & Property Protection
Our professional team of board up and property protection experts ensure your property is sealed against unauthorized entrances.
Trust our experienced professionals for assistance in filing a successful insurance claim from start to finish.
Insurance Claim Navigation
Fire Protection Services
Take advantage of our comprehensive suite of fire safety services and rest easy knowing you have the proper fire safety measures in place.
Our Refreshingly Simple Restoration Experience
- Life and safety precautions
- Mitigation to prevent further damage
- Establish a recovery plan
- Evaluate coverages
- Valuation of damages
- Claim preparation, strategy & documentation
- Negotiations & Settlement
- Restoration of property
We remain on standby to offer expeditious emergency service to restore your residence or business after any kind of fire-related damage has occurred to your property. Our licensed and insured team are at your beck-and-call 24-hours a day, 7 days a week to get you back on your feet. When it comes to smoke and fire damage, Fire Advocates is committed to reviving your property back to its pre-disaster state.
When is Fire Damage Restoration Required?
It may be necessary to undertake fire damage restoration to guarantee your safety and that of any other occupants of your house, under the following conditions:
Your home encountered major fire damage that may have impacted its structural integrity or have had property or possessions damaged that you cannot restore on your own.
Selecting a qualified professional to review and assess the damage is often a prerequisite to receive adequate compensation from your insurer. Follow the guidelines of your policy closely to ensure the restoration process goes smoothly and consult your insurance agent to fulfill any measures your policy may involve before contacting a restoration specialist.
What To Focus On After Fire Damage
How do I minimize the emotional toll on my family?
The emotional toll from a fire can be significant. The best way to help minimize this toll is to talk with your family regularly, make sure you have an emotional support circle, engage in self-care activities, and take time to focus on the positive things in life. You could also look into local support services in your area such as counseling and group therapy sessions. Additionally, it’s important to keep communication open and honest between family members, and to provide a safe and consistent place for everyone to express their feelings. Finally, be sure to give everyone in your family the time and space to heal at their own pace.
How large of an advance should I expect?
The amount of the insurance advance that you can expect following a fire loss depends largely on the extent and cost of the damages ensued. Your insurance provider or a professional restoration specialist sanctioned by your insurance provider will conduct a thorough assessment to determine the costs of repairs and replacements, and the amount of the advance will be based on those figures. The amount of coverage available will also factor into the amount of the advance. If the coverage limits are clear, then the insurance company should be able to cover damages up to that amount. If the coverage limits are not as clear, it may take a longer period of time to determine how much of the cost of the damages will be covered.
What is a “Scope of Loss?”
A scope of loss is a comprehensive list of fire damages and their associated costs that form the basis of a fire insurance claim. It includes costs associated with damage to the building and property, any necessary repairs or replacements, the cost to clean up after the fire, the cost of lost or destroyed property, and any additional expenses required due to the fire. A scope of loss should be as accurate and up-to-date as possible so that the insurance company can properly assess the claim and make a fair pay-out – Fire Advocates helps you structure your scope-of-loss in the best possible manner.
Why is a claim strategy so important?
An insurance claim strategy after a fire is important in determining the financial compensation available to help cover the “scope of loss” that was caused by the fire. As the policyholder, the strategy will outline all the steps that need to be taken to maximize the amount that is received from the insurance company to alleviate the financial burden associated with reconstruction and repairs. It is important for the policyholder to understand their policy coverage, as well as what is part of an acceptable claim process and what is needed to present a legitimate claim request. Knowing all these details will help ensure that a policyholder ends up with the maximum amount they are entitled to receive. Fire Advocates assists you in forming the optimal claim strategy.
How long will it take to get back to normal?
It is difficult to say exactly how long it will take to get back to normal after a fire. This will depend on the size and severity of the fire, as well as the resources available to help with clean up and restoration. Rebuilding structures, restoring power and water, replacing destroyed property, and resolving physical and mental health issues are just some of the considerations in the recovery process. It could take anywhere from a day to weeks for things to start feeling normal again – Fire Advocates helps with the recovery process by working with your insurance provider and restoring your property and possessions back to brand new in a flash.
Why We Do What We Do.
Fire Advocates is a company with unique ambitions; we’ve set out to assist homeowners by comprehensively addressing devastating house fires – from the free initial consultation and safety considerations to handling insurance filings and project completion.
For Long Island Homeowners
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Fire Damage Insurance Claims FAQs
What is a “Scope of Loss”?
What is a “Contents Inventory"?
What is a “Schedule of Loss"?
What is a “Scope of Work"?
How do the above terms relate to my insurance coverage and ultimate payout amount?
I feel that I was not adequately compensated by my insurer, how do I proceed?
How soon can I expect payout after filing an insurance claim?
Should I handle the insurance claim on my own?
Insurance Claim Navigation Services
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Find Us Near You
We have a proven track record of superior response and unmatched resources to resolve damages caused by fire, water, mold, smoke, soot or other catastrophes. Search for a local Fire Advocates location near you today and take advantage of our industry-leading 5 year warranty and lifetime guarantee.