General Assessment & Coverage Questions
- What is your assessment of the overall fire damage to my home?
- What specific repairs and restoration work are you recommending in your report to my insurance company?
- How will my policy coverage apply to the different aspects of damage (roof, structure, contents, cleaning, etc.)?
- Are there any exclusions or limitations in my policy that could impact coverage for repairs or restoration?
- Will you be documenting all the necessary repairs and restoration in detail to ensure a fair settlement?
Structural Damage
- What is your recommendation for repairing or replacing my structural damage?
- Will you account for hidden damage that may not be immediately visible, such as weakened structural components?
- Will your report include code upgrades if required by local building codes?
- If there is smoke or water damage inside, how do you recommend addressing that in conjunction with structural repairs?
Interior & Exterior Structural Repairs
- What is your scope of recommended repairs for fire-damaged walls, ceilings, and floors?
- How are you determining the cost of labor and materials for these repairs?
- Are you including costs for specialty trades (electrical, plumbing, HVAC) if they are affected by fire or smoke?
- Will you include allowances for material matching if my home’s finishes are no longer available?
- How will insulation, drywall, and framing be addressed in your report?
Contents Cleaning & Restoration
- Which of my contents do you recommend for cleaning versus replacement?
- Are you including specialty cleaning for electronics, artwork, or sentimental items?
- How will you determine if an item is a total loss versus salvageable?
- Is pack-out and off-site cleaning included in your recommendations?
Additional Living Expenses (ALE)
- Based on your assessment, how long will my home be uninhabitable?
- What temporary housing or Additional Living Expenses (ALE) should I expect to be covered?
- Are you including costs for storage of my belongings during the restoration process? And for how long?
- Does my policy cover meals, mileage, or other displacement costs, and how will you document that in your report?
Restoration Timeline & Adjuster’s Next Steps
- What is the estimated timeline for completing your report?
- Will you work with my contractor/restoration company to align on scope and pricing?
- What should I expect next from my insurance company once you submit your report?
- What can I do if I disagree with your assessment or the insurance company’s offer?
- Will you provide a detailed breakdown of depreciation and recoverable costs?
- How will you communicate any changes or updates to your recommendations?
