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Fire & Water - Cleanup & Restoration

Why You Need Fire Damage Insurance in Coon Rapids

8/14/2015 (Permalink)

Snow Will Not Keep a Fire Away

Fire Damage Insurance for Your Coon Rapids Home

If your homeowner’s policy, in your Coon Rapids home, doesn’t include fire damage protection, you’re missing critical coverage that could save you a bundle.

Every year accidental house fires cause billions of dollars of damage to homes across the United States. A homeowner not covered by fire restoration insurance can find himself in real financial difficulty following fire damage to his abode.

Fire restoration insurance is part of your homeowner’s insurance policy, obtained through your provider of choice. This coverage enables you to address some concerns, such as repairs needed after an accidental house fire.

Depending on the coverage and the extent of the fire, restoration insurance may cover part or all of any fire damage and repair costs. The amount of coverage you need depends on several factors, including (but not limited to) your insurance company and any applicable state laws. Your provider can go over these details with you when you purchase the policy.

Coverage Options

Coverage for fire restoration costs varies widely, based on insurance provider and the state in which you reside. Your policy may include funds for replacing fire-damaged items, rebuilding costs, and hiring a fire restoration company such as SERVPRO. The scope of the policy, the extent of property damage, and applicable state laws will govern whether the policy fully reimburses you for all costs. The cause of the fire, as determined by fire department inspectors, can also play a major role in determining the amount you receive.

Your insurance company may refer you to a specific restoration company, which will then work in conjunction with your provider to reach an agreeable settlement for any necessary repairs. If you’re unable to get a referral, the process still works in much the same way. The insurance company will determine the amount it’s prepared to reimburse you, and the restoration company will quote you a repair cost. The two companies will then work together until they agree on terms.

But be careful! Restoration work on your home should begin within 24 hours of the fire, to prevent secondary water damage and to avoid the threats of mold and mildew.

Hiring SERVPRO is an excellent, cost-effective way to restore your home and cope with the devastating effects of a house fire resulting in serious fire damage. Consulting these professionals ensures your home will be restored to its former state as quickly and efficiently as possible.

For more information on fire restoration insurance, please contact your homeowner’s insurance provider. It is wise to be prepared in the event of an unfortunate fire in your Coon Rapids home.

Locally Owned, with National Resources

SERVPRO of Coon Rapids/Central Anoka County is locally owned and operated so we are part of the Coon Rapids community too.

We are proud to serve our local communities:

For an immediate response for fire restoration call us at (763) 712-9712

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