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Whether the fire at your home is only a small kitchen fire or one that involved many rooms, the task of dealing with the aftermath of a fire can be daunting. Unfortunately, the damage caused to a home by a fire is not limited to what we can see. An early evaluation of the source and scope of loss is crucial. Smoke is associated with most fires and goes well beyond the obvious black haze we see. Repairing the damage usually goes beyond the cosmetic that can easily be seen and may require soot removal, structural restoration and deodorization. In some cases, a property may be rendered uninhabitable.
Many home and business owners do not realize that a typical property insurance policy will not cover damage caused by water that comes from the ground (known as floodwaters). The insurance companies make a distinction between water damage and flood damage. Water damage can be caused by a broken pipe or leaking roof. Flood damage is caused by water from an existing body of water - a lake or river, for instance - that rises and enters a property. It can also be the result of excessive rainfall.
The United States and Puerto Rico have suffered their fare share of hurricanes during the past several years. The images of damaged homes and businesses we see on TV only tell part of the story of people's suffering during these natural disasters. The other part of the story is the recovery from the hurricane and the insurance process. After Hurricane Katrina struck the Gulf Coast in 2005, insurance companies infamously made distinctions in their policies severely limiting property owners' ability to recover what was owed.
The costs involved in recovering from loss and damage to theft and vandalism can mount quickly. Having an expert public adjuster on your side after suffering loss and damage due to theft or vandalism of your residential or commercial property is crucial. Assigning value to damaged and stolen items can be challenging and time consuming. An experienced public adjuster will know exactly what to look for and accurately document all losses. You deserve the maximum recovery. With Capital Adjusting Services, you will have a team of experienced professionals that will fight to help you recover quickly from this type of devastating loss.