House Fires & Homeowners Insurance

severe droughtHouse fires are traumatic, stressful, scary, saddening, and pretty much any other negative word you can describe. And unfortunately, once the flames are out, some homeowners discover the process of working with the insurance company can be a bit tricky. This all depends greatly on your insurance carrier, the kind and amount of coverage you have, and even the restoration company you choose to work with.

At 24Restore, we will work directly with the insurance adjuster handling your claim throughout the entire rebuild and repair project to be sure we are working within the policy limits, and making the whole traumatic ordeal a little less so for you, if we are able. While we aren’t insurance experts, we have been working for years with an insurance adjuster, carriers, and agents, and seen what many policies do and do not cover after a fire.

There are many different coverages within your homeowner’s insurance policy, and much more available. Three of the most common are:

Dwelling Coverage – Yep, it is what it sounds like. This is the part of your policy that covers the actual structure of your home, and anything that might be directly attached to it like a garage.

Detached Structures – Again, it is just as it sounds. If you have a detached garage or shed, your insurance agent likely added those items to your homeowner’s policy so they are covered as well in the event of loss like a flood or fire.

Personal Property – This is an area where people find they are lacking the coverage they need. This part of the policy covers everything within those structures. Think of everything you own big and small. Imagine having to replace it or have it all cleaned after a fire. Make sure your personal property coverage is up to par with what you believe you would need if something happened.

After everyone is safe and the fire is out, it is important to act quickly to get repairs started. Here are a few tips to get going:

  1. Call your preferred restoration company right away. 24Restore will be on site as soon as possible to get the cleanup and rebuilding process started. The sooner this process begins, the sooner you can get back home!
  2. 24Restore will work with your insurance company to provide the best pricing and coverage possible.
  3. Make a list of what you own, and throw away This can be a hard task to do. It means sitting down and mentally walking through each room of your fire-damaged home and writing down all the items that were inside. The more information you can give your insurance adjuster, the more money they will be able to give you from your policy.
  4. If your home is no longer livable, and you’re left with just the clothes on your back, don’t hesitate to ask your insurance adjuster for some money up front. This should be used to buy new clothes, toothbrushes, and other daily necessities.

“24Restore came within an hour of our water damage to assess the problem and restore and reconstruct our kitchen and my office. Everyone from 24Restore was professional, kind and did an outstanding job of damage assessment and restoration.”

- Barbara R.

Your service was excellent. The young man was thorough and very dedicated to completing the job. He’s a good one. I would recommend your services to anyone who need them.

- Keith

Your team has been absolutely amazing, professional, sympathetic and wonderful. They took my mess and made it manageable as I shed a few tears, which they also consoled with empathy. At a time when we have floods and tornados city wide you responded within hours. Thank, I am impressed and I have passed the word on to many.

- Genie

Very good experience……everyone I dealt with through 24 Restore was very professional and very kind.

- Nancy

This note is a note of thanks and appreciation of the services provided…..we could even say our home looks better than before we incurred our water damage…Job well done!

- Jay and Susan

I don’t often take the time to write a follow up complimentary letter. However I was very impressed with 24 Restore and felt they went above and beyond to surpass expectations with WOW service. Thank you for the great service and great job that your team did to get my house back in shape.

- Jane

I have recommended them to many of my friends. They are the only service that I have ever used that always gets my stains out and that clean my carpets beautifully. I can’t say enough good thins about them

- Laura

Thank you for all the work put in to get out home……It would have been an impossible task for us to have accomplished in such a short time. We appreciate all that you have done for us! We are so grateful!

- Ken and Kathe

Yes. I appreciated the ability to funnel all activities thru a one-stop shop proved to be very valuable in a disaster project such as ours demo, construction and finish as well as work directly with insurance company. The team has been professional and those on site have been respectful of our home and schedule.

- Reed

Alex did a great job scheduling, coordinating, and keeping me informed. He made sure that everything was done in a timely manner. I always felt that my job was a priority. All the workmen did a great job and were very polite. I am pleased with the results. I would highly recommend your company!

- Linda – Minneapolis

From the time of initial contact to the time of job completion was 24 hrs. Very pleased with job outcome. Will definitely use you again. If ever in need.

- Kevin – St. Paul

Response time was awesome. We we’re bewildered by what was happening and what needed to be done. 24hr came in and took care of what needed to be done.

- Susan – Plymouth

I thought 24 was very professional and timely work.

- Veronica – Lake Elmo

24Restore was very responsive and did a thorough job plus they cleaned up after themselves.

- Jean – St. Cloud

The job was exceptionally well done. You were recommended to me by Dennis Carlson, a freind and I would definatley refer 24restore to friends and family.

- Jan – Anoka

Very Professional!

- Gordon – Andover

Everyone was on top of everything and got back to me in a reasonable time. Clean up was done absolutely perfect at the end of each job.

- Pam – Arden Hills

The guys who worked here were great, polite, personable and hard workers. They did a great job! So thankful this is over!

- Ron and Jackie – Minneapolis
Over 2000 Reviews!