Wildfire Property Damage

Insurance carriers often limit wildfire claim investigations to visual inspections. However, hidden wildfire damage, or thermal damage, to property is just as critical. Modern building materials can withstand heat up to certain temperatures. For instance, wood framing can withstand up to approximately 500°F. This is far less than typical wildfire temperatures, which have been known to reach up to 2,192°F. Damage to framing can occur even when finish carpentry does not appear to be affected.

Wildfire Smoke damage

The insurance carrier’s smoke damage investigation might include testing for lead and asbestos. However, wildfires cause aerosolization of many combustible by-products. This includes Volatile Organic Compounds, heavy metals, and other fine particulates that are dangerous to human life and property. Although testing for these substances is essential, the carriers frequently take the most cost-effective approach, and omit comprehensive evaluations. Once property is cleaned or  improperly tested, evidence of these particles can be destroyed, which often leads to a minimized settlement.

How Can Claim Guide Help With a Wildfire Loss?

Claim Guide can help you recover losses from wildfire by:

• Assessing and documenting the full extent of damage

• Understanding the complexities of your insurance policy.

• Ensuring proper claim procedures are followed.

• Assisting in compiling a detailed inventory of all lost or damaged property.

• Presenting the strongest possible case, corroborated by industry experience and evidence that stands up under scrutiny.

• Negotiating a fair settlement with your insurance carrier.

Claim Guide helps Southern California residents receive fair compensation for wildfire claims. Following a devastating event, your main priority is the safety of your family. Our main priority is securing your financial recovery.