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Fire & Water - Cleanup & Restoration

How Do You Estimate Fire Damage?

10/10/2022 (Permalink)

Ceiling collapsed and burned in the hallway of a property Major fire damage in North Knoxville, TN.

How Are Fire Damage Estimates Made?

Fire damage is one of the most devastating events that can happen to your home or business. It's important to know how much fire damage you've sustained and how much it will cost to repair so you can begin the recovery process. Here are some steps you can take before hiring a fire restoration professional:

Fire damage can be devastating to your home or business.

We’re here to help you learn more about how much a fire damage estimate is, so that you can make an informed decision about how much coverage you need. The best way to do this is by calling (865) 947-9992. Our experts will guide you through the process of estimating your fire damages and help communicate with your insurance company find the right degree of coverage for your needs.

It’s important for homeowners and business owners alike to know about their options when it comes to securing property insurance against fire damages—not just because it protects them financially if something happens, but also because they may need an accurate estimation before making repairs or rebuilding.

Assess the damage.

  • Check for fire damage. Fire can cause significant damage to your property, so it's important to assess the extent of the fire damage before you begin estimating its cost.
  • Check for smoke damage. Smoke and soot can be a major problem in areas such as attics and basements, where they can accumulate over time and result in unpleasant odors that will make your home unpleasant to live in until they're removed or cleaned up by a professional cleaner.
  • Check for water damage. Water from firefighting efforts or water used to put out flames may have seeped into areas where you wouldn't expect it, like your walls or floors.

Calculate the cost of repairs.

As you analyze the damage to your home and belongings, you might want to think about whether some items are worth repairing. In many cases, it is more cost-effective to purchase new items than attempting to fix them. If so, add these expenses into your final repair estimate.

If you choose to repair your damaged goods, use this guide on how much it costs (and how long) to mend different items:

  • Carpeting: $3-$6 per square foot (see below)
  • Hardwood floors: $1-$2 per square foot (see below)

Determine what items are salvageable.

Once you've determined that the cause of your property's damage was a fire, you can begin determining which items are salvageable.

To do this, think about whether any of the following statements apply to any item in question:

  • If an item is damaged but not burned, it can be repaired.
  • If an item is burned but not damaged, it can be restored.
  • If an item is burned and damaged (e.g., melted), it will need to be replaced.

Calculate the cost of replacing items

Once you've estimated the cost of repairing damaged areas, it's time to figure out whether you need to replace any items. If your insurance company doesn't provide coverage for the entire cost of replacement and you decide to hire a professional, you'll need to consider:

  • How much this is going to cost.
  • Whether or not replacing the item yourself makes more sense financially.

Estimate fire damage as soon as possible after a fire.

Estimate fire damage as soon as possible after a fire. The sooner you estimate the damage, the better. The longer you wait, the more difficult it will be to estimate the damage and more risks that there are hidden issues that might affect your estimate. If you wait too long (e.g., one year), then insurance may not cover your losses since they cannot verify them or make an accurate determination of how much was actually damaged to pay out on their claim.

You should also keep in mind that if you do not notify your insurer within 30 days of discovering your loss and/or filing for benefits under your insurance policy, then some policies require payment for storage fees and additional charges before any funds will be released.

When you’re dealing with a fire damage estimate, it is important to know what you are getting into. This can be overwhelming for many people and that is why it is important to have someone who understands what they are doing so they can make the process easier on everyone involved.

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