Filing a Smoke Damage Insurance Claim

Smoke Damage Washington DCSmoke damage consists of the physical residue and odor that is left behind from the materials that burned within a fire. Plastics, fabrics, wood and additional materials generate various residues and odors when burned. A few materials, like synthetics, will leave behind an almost oily, black residue, whereas other ones such as cotton and paper leave behind a more powdery material. Various cleaning techniques and products are required to thoroughly and safely extract smoke damage, oftentimes requiring expert equipment and know-how.

How to File an Insurance Claim

As you are facing smoke damage, you should keep these ideas in mind as you work with the insurance agent.

Immediately contact your insurance agent or company after a fire. Don’t wait.

Assess your renter’s or homeowner’s policy. If it was lost within the fire, the insurance agent or company may provide an additional copy. Search your declarations page for details concerning your policy’s deductibles, coverage, exclusions or limitations and if there are deadlines for filing.

If you can, take videos or photos of the smoke damage. Don’t disturb any affected spaces. Only allow the proper authorities on-site.

Contact an expert smoke damage extraction company such as Triangle Legacy to come over and evaluate the smoke damage and offer a plan for remediation.

Start to gather all of the necessary details necessary to file your claim. These details might include but aren’t limited to:
• Kind of damage
• Date of the loss
• Contact details for the owner of the property
• Location of the damage
• Copy of your police report
• Your personal contact details if you aren’t the property owner
• Receipts for all restoration, repairs, and other associated expenses
• Remediation estimates
• Complete list of all damaged building materials/items
• Receipts for any meals or hotels if the damage made you locate other lodging

Verify with the agent the timeline and procedures for filling all claim parts.

Call Triangle Legacy Flood Restoration & Carpet Cleaning at 202-888-2960 if you need smoke damage extraction services, flood restoration, or any  disaster restoration services.