Irrespective of the size of your property, any kind of damage caused by fire can be devasting. After any major fire occurrence in your property, you will be forced to think of rebuilding it, which can involve lots of expenditure.
Fire can really be very scary and therefore, you need to think carefully about the steps you must take. You must contact a construction expert today and discuss with him how to make your property completely fireproof.
Besides that, following are few actions that you must consider if you have recently faced any fire damage.
- Contact your insurance agent immediately
In case, your property is already insured then you must call them as early as possible. Try to get familiarized with all the terms and conditions of your insurance policy.
All kind policies are not same and therefore, you must understand all the conditions under which your compensation will be calculated.
For most of the cases of home insurance, majority of policies will cover the value of your home as its condition was before the occurrence of fire.
Try to take all the pictures of the damages and provide all the proofs that are available with you.
- Get your property damage thoroughly inspected by any licensed third-party professional
If you use the services of an insurance-assigned adjuster for inspecting the damage then generally their estimation will not give you quality information.
The reason is that all these insurance surveyors work for the insurance company, who are always inclined to make such decisions in the best interest of the insurance company rather than yours.
Therefore, it will be better to hire a third-party licensed contractor or any structural engineer for accurately evaluating the extent of damage, deciding the structure integrity, and provide honest estimate of overall repair cost.
All these inspections must include:
- Roof
- Structure
- Siding
- Plumbing
- Concrete
- Framing
- Heating systems
- Interior walls
- Decide whether you must repair or reconstruct
If you look at the average repair cost for fire damage then it is about $9,800, while your average demolishing cost for fire-damaged structure can be $8,800.
However, under your specific situation, you can decide which solution will be your right option to choose.
Your cost of demolition will depend more or less upon following:
- Your size of structure
- Various materials used for building the structure
- The amount of the structure that is still in-tact
- Your current geographic location
- The contractor you hire