Fire Damage Insurance Claims in Florida: What is Covered and What to Do

If your property has been damaged by a fire, you may be wondering what is covered by your insurance policy and how to file a claim. Tropical Public Adjusters is a public adjusting firm in Florida that can help you navigate the insurance claims process and maximize your settlement.

What is Covered by Fire Damage Insurance in Florida?

Standard homeowners and renters insurance policies in Florida typically cover the following types of fire damage:

• Structural damage to the home, including the roof, walls, floors, and windows.
• Damage to personal belongings, such as furniture, appliances, clothing, and electronics.
• Smoke damage.
• Water damage from firefighting efforts.
• Additional living expenses, such as hotel bills and meals, if you are unable to live in your home while it is being repaired or rebuilt.

The specific coverage limits will vary depending on your policy. It is important to review your policy carefully to understand what is covered and what is excluded.

What to Do After a Fire in Florida

If your property has been damaged by a fire, the first step is to contact the fire department. Once the fire has been extinguished, you should take the following steps:

• Contact Tropical Public Adjusters.  

Be sure to provide the following information:

• Your policy number
• The date and time of the fire
• The location of the fire
• A brief description of the damage

• Document the damage. Take photos and videos of the damage to your property. Keep a list of all damaged items, including their estimated value.
• Save all receipts. Save all receipts for repairs, temporary housing, and other expenses related to the fire.
• Do not make any permanent repairs until the insurance company has inspected the damage.
• Contact a public adjuster. Tropical Public Adjusters are insurance experts we can help you file your claim and negotiate with your insurance company on your behalf. Public adjusters are typically paid on a contingency fee basis, which means they only get paid if they are able to recover money for you.

Tropical Public Adjusters Can Help You with Your Fire Damage Claim

Tropical Public Adjusters has a team of experienced and knowledgeable public adjusters who can help you with your fire damage claim. We will work with you to gather all of the necessary documentation, file your claim with your insurance company, and negotiate on your behalf to ensure that you receive the maximum settlement possible. We are committed to providing our clients with the highest level of service and support during this difficult time.

Contact Tropical Public Adjusters Today

If your property has been damaged by a fire in Florida, contact Tropical Public Adjusters today for a free consultation. We will review your policy, assess the damage, and explain your coverage options. We will also answer any questions you have about the insurance claims process. We are here to help you get the insurance settlement you deserve.

Call us at (305) 989-1310