How the Fire Loss Process Works
1. Claim Process
Fire restoration companies in Arvada always help you open a claim if needed. After a claim has been opened, you will be assigned an adjuster from your insurance company. It’s up to the adjuster to assess the scope of work that will get you back up and running. It’s up to you to find the right fire restoration contractors to take care of this work.
2. Board-Up/Tarping if Needed
Board up and tarping are standard procedures to avoid any further damage from Rain/Storm/Thief's/Animals and more. Most of the time insurance covers this.
3. Testing For Asbestos/Lead
In the state of Colorado, you must get your house/unit/commercial building tested for asbestos. Even if your house was built a day ago. Testing must always be done by a 3rd party contractor. Not the fire restoration company you use to mitigate your house, due to a possible conflict of interest.
4. Your Contents and Valuables
Handling your contents and valuables depends on if your residence is tested clear for asbestos or hot for asbestos. It’s also based on what your homeowner's insurance covers. We always advise you to remove guns/jewelry/high-end valuables yourself when it’s deemed safe.
The fire restoration company will send someone out to work with insurance to get you a dollar value of your contents for anything that they throw out. They will always get your permission first. The asbestos testing company will label anything with asbestos as hot and advise you to toss out everything that cannot be properly cleaned up after a fire. You also will get a dollar value for these items depending on your coverage.
5. Demo and Environmental Mitigation
Everything that needs to be cleaned, cleared, removed sanitized and dried will be done so by certified fire restoration contractors. When tested hot for asbestos, we will need to pull permits with the city of Arvada to properly mitigate the property. There also tends to be limitations in coverage. So make sure to talk to your trusted Chief Estimator to view your policy and go over everything in great detail. Once its all mitigated it’s a clean canvas for the reconstruction.
6. Complete Reconstruction and Remodeling
This is where our team of skilled fire restoration contractors come in and start rebuilding or repairing your home. We have put together the best estimators and contractors in the city of Arvada to create a company that you can trust. You will receive ongoing communication throughout the process. Before you know it, your home will not only look good on the outside but be healthy and clean on the inside too.
Fire Restoration Contractor Arvada
Fire Damage Restoration in Arvada CO available 24/7
What is the first thing you do after a fire? Following a fire, you must ensure the damage does not worsen. Call Fire & Hail Restoration in Arvada immediately. We'll send a team of experienced fire damage restoration contractors straight to your doorstep in Arvada.
What happens if you don’t like your adjuster from the insurance company?
All adjusters have their common job descriptions but some can be more difficult to work with or be very bad with communication. If you have a good reason or want to work with another adjuster, you can always call claims management and present your issues to assign another adjuster, this will delay the process but can put you at peace.
What happens when I have limited coverage but don’t want to pay out of pocket?
This is usually very situational depending on your Declaration page. Fire Restoration Contractors in Arvada need to do an overview of your coverages before answering what’s doable and not. We can give you what we know from our extensive experience but it’s all hearsay till we see your policy.
For example, your house was tested positive for asbestos but you have $10,000 in Environmental coverage and it’s going to cost $30,000 for a complete demolition of your home. What do you do so you don't have to pay out of pocket? Best thing to do is call us first! 720-204-8040 We can make things work with your insurance company before we ever swing a hammer, and give you peace of mind!
Need emergency assistance?
How should I choose a restoration company to handle my fire?
Most important things to cover with the Fire Restoration Contractors in Arvada:
Ask how extensive their experience is in this specific situation.
They must be able to answer every concern you may have with confidence.
The three most important people you need to meet.
1) The Owner
2) The Chief Estimator
3) The Project Manager
It's very important to know the people that will take care of every aspect of the work being done on your home.
The people working for you need to know the ins and outs of every aspect when it comes to managing a fire restoration project and handling the claim with your insurance.
A Good Reputation
You need to feel that your fire damage restoration contractors have the integrity to do what is best in the interest of you and your home.
What unseen complications can possibly happen during the restoration of my house?
Houses built in the 20s-30s-40s etc can all have different complications. These are a few of the potential complications.
Code upgrade coverages
Finished basements that need mitigated but don't comply with city standards and regulations for reconstruction
HVAC and Water heaters placed outside and covered by a shed
Asbestos removal and remediation
There are many but if you have any you’d like to cover specifically, please call for a free consultation
Cities We Work In
Fire Restoration Contractos You Trust
The Fire and Hail advantage is that our staff and crew have been in this industry over a decade.
Call Rico, the owner, with any questions or concerns you may have. He will always answer his phone and respond to your fire damage faster than anyone else.