What You Need to Know If You are in the Fire Zones


Filed under: Market Comentary


Many fires are burning in the state and threatening homes in the area. This fire season has been awful, so it is important that homeowners understand a bit of information in case you are affected in any way. Even if your home isn’t burned, many families are facing problems with smoke and ash.

So, I brought in Scott Peterson from Home Perfect Restoration to answer a few questions and offer some tips for homeowners who need restoration services.  (951) 303-1333 or info@homeperfectsocal.com.

Capped Insurance Claims for Wildfire Damage

In talking to insurance adjusters, we’ve learned that coverage will likely be capped if homeowners wait for more than 60 or 90 days to file a claim. As a result, delaying the restoration work means that you might only qualify for a total of $5,000 from the insurance company to cover the costs of the damage. The problem is that some homes will have as much as $30,000 or $40,000 in damage, so the homeowner will need to foot the bill.

So, it is essential that you act right away to maximize the insurance coverage that is available. The best thing that you can do is schedule an inspection with a restoration company so that you can determine the extent of the damage before you file the claim.

The First Call: Contact a Restoration Company Before the Insurance Provider

It is usually best to contact a restoration company before you begin the conversation with your insurance company. Not only can we help you get started with early treatments, but we will assist as you navigate the industry and file the insurance claim. At the same time, we can help you determine if restoration services are actually needed, helping you avoid higher insurance rates if the services aren’t necessary.

Also, insurance will only pay for cleaning one time, which means that you should wait for the smoke to die down before contacting a restoration company.

Watch Out for Scammers

Every time there is a disaster, there are plenty of people who are willing to take advantage of the situation. You can avoid these problems by choosing a reputable company that has been in the industry for many years.

For more information about potential signs that you need to call a restoration company, watch the video for detailed tips from Scott. Many people are facing these problems, which means that it is important to pass this information along so that your friends and family know what to do if their homes are affected by the fires.


Franklin Loan Center | NMLS 237653
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 4131316
http://www.nmlsconsumeraccess.org/entitydetails.aspx/COMPANY/237653
For questions or concerns please email info@franklinlc.com