When Do I Call My Insurance Company For Smoke Damage
A common misconception amongst homeowners is that when faced with smoke damage, the first thing they need to do is call their insurance agent. Unfortunately, your insurance agent can’t get smoke or odor out of your home or business and ultimately that’s the most important and is a big health concern.
We see this a lot when discussing some of the common mistakes homeowners make when dealing with a smoke damage, but your home’s health is your responsibility. And ultimately, no one cares more about your home than you do, and that includes your insurance adjuster.
But don’t I need to file a claim before I begin the smoke & odor cleanup process?
The order of filing the claim is not as important as making sure you stop the damaging affects from the acidic nature of smoke in your home as well as the severe health affects it will have on you and your family. While you’ll certainly want to file a claim in a timely manner, you do not need to go through the process of filing a claim before calling for help.
If my home or business has soot damage and/or smells bad, what’s the first thing I should do?
Call in a certified professional to evaluate the extent of the damage to determine how best to go about getting your home back to a healthy condition ASAP. You will be surprised how far it has traveled.
Who should I call?
Call a certified smoke & odor cleanup company. There are a couple of main accreditations that restoration companies can have. The primary association is IICRC, which offers accreditations for a variety of different trades, such as Fire and Smoke Restoration Technician (FSRT), Odor Control technician (OCT), Water Damage Restoration Technician (WRT), Applied Structural Drying Technician (ASD), and a host of others. Companies and individuals can also become certified through RIA.
It’s important to use a company certified to perform the work you need done. Not only do they know how best to cleanup the smoke damage and remove the odor, but you’re less likely to deal with any issues/concerns from your adjuster during the claims process. They’ll typically have a list of reputable, certified contractors in the area that deal with smoke damage losses, so they’re familiar with their level of service and professionalism.
If your home or business is in North NJ, we’re a company that can provide the expert help you need to clean up and restore your home from your smoke & odor loss.