The insurance industry officially defines fire as “combustion sufficient enough to produce a spark, flame or glow.” That definition precludes smoke and charring to be considered fire. Also, the combustion must be hot enough to produce sparks, a glow, or an actual flame.
Beware that homeowners insurance only covers losses that result from "hostile" fire, not "friendly" fire. A “hostile” fire is a fire that burns someplace where a fire was not intended to burn, such as a basement. Vis versa, a "friendly" fire burns where a fire should burn like a fireplace.
AVERAGE COST PER FIRE CLAIM:
$15,024
(Insurance Information Institute, 2022)
When a lightning strike hits an insured dwelling, damage that results directly from the strike is covered along with any resulting fire. Damage caused by a power surge may be covered, but only if it can be conclusively demonstrated that the surge was directly caused by a lightning strike.
AVERAGE COST PER LIGHTNING CLAIM:
$17,513
A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.
Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.
Be honest — did you read the fine print of your insurance policy?
When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.
We create a detailed loss estimate and file your claim plus complete all the required documentation.
It’s tedious work but when it comes to the value of your claim, the dollars are in the details!
Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly.
If not, we fight for funds for all covered damage so that you can repair and restore your property.
