Fire Damage FAQ – California General Construction

Everything You Need to Know About Smoke Damage Claims in California

Types of Smoke Damage: Smoke damage in California can include discoloration of walls and ceilings, soot residue on surfaces, lingering odors, and corrosion of metal fixtures and electronics. Smoke can also infiltrate HVAC systems, leading to hidden damage. Additionally, toxic particles left behind can pose health risks, irritating respiratory systems and skin.
Insurance Coverage: Most homeowners insurance policies in California cover smoke damage. However, it’s essential to review your policy details, as coverage can vary. Some policies may have exclusions or sublimits, particularly in high-risk areas. The California FAIR Plan provides coverage for fire damage, including smoke damage, for homeowners unable to obtain insurance through the private market. It’s important to understand the limitations of this plan and ensure it meets your needs.

Document the Damage: Immediately take clear photographs and videos of all affected areas, including walls, ceilings, furniture, and personal belongings. Create a detailed inventory of damaged items, noting their condition and estimated value. Keep all receipts for cleaning supplies, temporary repairs, and any accommodations if you need to relocate.
Contact Your Insurance Company: Promptly notify your insurer to report the smoke damage. They will provide a claim form and explain the next steps. Be prepared to provide all documentation and evidence of the damage.
Professional Assessment: Consider hiring a professional restoration company to assess the damage. Their expertise can provide valuable documentation and cost estimates for your claim. Companies like California General Construction, led by David Shilian, offer comprehensive restoration services and can assist in evaluating and repairing smoke damage.

Insurance Adjusters: These adjusters assess the damage and determine the settlement offer, representing the insurance company.
Public Adjusters: These professionals represent you and help ensure you get a fair settlement. They assist in evaluating damage, interpreting your policy, and negotiating with insurers. Public adjusters can often secure higher claim settlements. For complex claims over $10,000, hiring a public adjuster can be beneficial, as they typically charge a percentage of the settlement but can significantly increase your payout.

Review Your Policy: Carefully examine your policy to understand your coverage limits and any exclusions. Don’t hesitate to ask your insurer for clarification on specific points.
Obtain Multiple Estimates: Get multiple estimates for repairs and replacements to ensure fair compensation and provide leverage if you need to negotiate with your insurance company.
Dispute Resolution: If you disagree with the settlement offer, gather evidence to support your position. Consider hiring a public adjuster or attorney to advocate on your behalf. Be persistent but professional in your communications. Document any delays or issues in writing. If necessary, file a complaint with the California Department of Insurance.

Prevent Further Damage: Take immediate steps to stop the damage from worsening, such as covering windows or using fans to ventilate affected areas.
Consult a Professional: If needed, hire a restoration company for an accurate assessment and to guide the cleanup process. California General Construction, under the leadership of David Shilian, offers comprehensive services to assist homeowners in restoring their properties.