After a fire, you are dealing with loss, displacement and a mountain of paperwork. We take on the claim so you can focus on your family, your business or your congregation.
Smoke and soot travel through walls, ducts and attics far beyond the burned area. Cleaning or replacing those areas belongs in the claim.
Insurers need a room-by-room list of what was lost. Families forget hundreds of items without help.
If you can't live at home, your policy may pay for temporary housing, meals and other extra costs.
Rebuilding often has to meet current building code. Ordinance or law coverage may pay for that.
Demolition and hauling away debris is a real cost that should be included.
For businesses and churches, lost income and extra expense during repairs can be a large part of the claim.
We inspect the property, write a line-by-line Xactimate estimate and handle the back-and-forth with your insurance company for homes, businesses and churches.
Yes, for most policies. We help you build the inventory room by room, which usually recovers far more than people expect.
Protect the property from further damage, but take photos and save receipts before you throw anything out. Call us early so damage is documented first.
Many policies include additional living expenses while your home can't be lived in. We track and submit those costs for you.
Insurance checks for the building often include your mortgage company. We explain how that works and what to expect.
Or email claims@oceanstates.net with photos and any letters from your insurance company.
