The Smoke Damage Treatment Process & Insurance ClaimsSeptember 02, 2020The extent of devastation from another season of wildfires across California is terribly sad and all of us here at Bravo Restoration Company and George Petersen Insurance are holding everyone affected in our hearts.
We have put together a brief overview of what you can expect if you need to file an insurance claim and have your home or business treated for smoke damage.
The Smoke Damage Treatment Process
Once the fire is 75% contained, we will begin our smoke inspections. We will schedule a time with clients to perform estimates on-site.
BRC utilizes a 4-step cleaning process:
Step 1: Pressure Blower and Pressure Washing
- The pressure blower is used to blow off ash and soot from the roof
- Then we pressure wash the exterior, including windows, driveway and all other exterior concrete pads and structures.
- Clean all walls and ceilings inside the home and use a fine particle vacuum.
- We remove ash within the ducting and replace the filters
- This includes things like sofas and mattresses
Do you need to file a smoke damage claim, but don’t know where to start?
First, contact your insurance agent to review your homeowner's, renter's, or business insurance policy. If you are reviewing on your own, the declarations page will have information regarding your policy's coverage, deductibles, limitations, or exclusions and if there are any filing deadlines. Note: Many policies require a claim to be filed within a specific amount of time, so you want to be sure you call your insurance carrier promptly after damage has occurred.
Typical policies will cover flame, smoke, ash, or soot damage and many also pay to replace or repair anything inside the home that may have also been damaged as a byproduct of the fire. However, each policy form differs, so you need to confirm what is covered under your specific policy. You will also need to confirm that professional cleaning costs are covered under your policy.
To file a claim, you should take the following steps:
1. Contact your insurance carrier as soon as possible to start the claims process
2. Call a professional smoke damage removal team to assess the damage and provide a remediation plan.
3. If possible, take photos or video of the damage. Try not to disturb the affected area.
4. Thoroughly document your losses and damages. Make a list of information that includes all of the following about your property:
- Date of Loss
- Type of Loss or Damage
- Location of Damage
- Contact information for the property owner and tenant
- Complete list of all Damaged Contents with descriptions
- Receipts for all repairs, restoration, and other related costs
- Receipts for hotels or meals if the damage forced you to relocate
- Whether or Not Temporary Repairs or Complete Replacements Are Necessary
- A Police and Fire Department Report
Have Questions? Call us today:
Bravo Company Restoration
24/7 Customer Service
Nicole Humber - CEO / President
George Petersen Insurance Agency
Sean Parsons – Commercial Lines Producer
Stay up-to-date on timely news, events, happenings, and more.