Here For You As Professionals, But Always As Neighbors First
A home represents comfort, family, memories, and so much more, which is why a house fire can be so devastating to both families and communities as a whole.
As a local Colorado Business, with friends and family affected by the Marshall Fire, we are committed to utilizing our construction industry expertise to aid residents and businesses in Louisville, Superior, and Boulder County, in rebuilding and fire restoration, to ensure families can return to a permanent home as soon as possible, and our beloved communities can become whole once again.
FIRST 3 THINGS TO DO AFTER A HOUSE FIRE
Dealing with the complexities of fire restoration and insurance coverage is the last thing you want to do after dealing with a tragic event such a house fire. However, unfortunately, the longer that process is delayed, the greater the likelihood further damage will occur to your home, additional out of pocket expenses will be incurred, and the timeline in which claims are paid by insurance will increase.
While every affected home may have varying degrees of damage, if your home was affected by the Marshall Fires, there are few things you should do as soon as possible.
File A Claim
If you have Property Insurance, it’s important to begin filing a claim ASAP! Not only is there a window of time to file an insurance claim after damage occurs (this applies to all forms of coverable damage), but as more and more claims are filed, your priority in the queue can drop lower and lower, resulting in a longer timeframe for getting your insurance claim paid. Getting insurance claims paid and a home rebuild after fire damage occurs is already a lengthy process, so the sooner you get your claim started, the sooner your family can get back into your home.
Secure Your Property
The terms of most home insurance policies dictate that reasonable steps be taken to ensure additional damage is mitigated or prevented after coverable damage incurs. For instance, if your roof was damaged due to the fire, leaving openings for water to enter, it is your responsibility as the homeowner to take steps to mitigate additional damage from occurring due to water entering the home. If not, insurance may refuse to cover any incidental damage, and in some cases even attempt to attribute coverable damage to incidental damage. This can even apply to vandalism if doors and windows are unsecured allowing criminals to enter the home.
Knowing that such a significant amount of homes were burnt to ground level, each property owner’s requirements may differ.
Inspect Your Home for Damage
Aside from the visibly obvious damage from flames and smoke, a house fire can cause an untold amount of damage to the home’s electrical system, structural integrity, roofing system, etc. Receiving detailed documentation of the full extent of the damage from a professional is critical in ensuring you receive adequate coverage for all the damaged components in your home that were caused by the house fire. Not only does this ensure you and your insurance company is aware of the full extent of the damage, but this provides proof of initial damage, and proof that you as the homeowner to the necessary steps to secure your home.
Even though damage may seem obvious, especially in the case of the Marshall Fire, a detailed report will be required.
HOW WE CAN HELP
Filing a claim and ensuring adequate coverage for something as complex as a house fire is not a simple process. Is it a multistep process that can take months or years to fully complete, and without proper guidance, you can leave tens or even hundreds of thousands of dollars on the table.
As a roofing & construction company, we handle insurance claims on a regular basis, which allows us to answer questions, provide documentation, and communicate with insurance on your behalf to ensure the coverage being offered is adequate to repair or rebuild your home, with as little out of pocket expenses as possible. While the total amount paid is ultimately based on your existing policy and the final determination of your insurance company, we have a long track record of success in getting thousands of dollars added to the initial claim estimate, based on our knowledge of construction, our familiarity with the insurance process and local building codes, and a world-class team that specializes in the legal obligations of your coverage.
Securing your property ASAP is a huge step in reducing your out-of-pocket liability from preventable damage. As a Colorado company headquartered in the Front Range, we have team members that are available to make sure your home is completely secured from damage caused by additional external elements such as rain, snow, thieves, vandals, etc. After providing a thorough inspection of the exterior of the property to identify any weak points, our team members will board up, tarp, or otherwise secure any and all vulnerabilities in the exterior of your home that can lead to further damage, including erecting temporary fencing to secure the entire property.
As mentioned above it is critical to receive a full damage assessment ASAP. Working with local Fire Marshalls, investigators, and insurance, we have experienced team members on site, to walk through the home and document all damage to assess what damage is repairable, what needs to be replaced, and what damage was directly caused by the fire. Once completed, we will present to the homeowner a detailed report, identifying not only the damage, but what steps need to be taken in order to restore the home to a livable environment for you and your family.
Once the extent of the damage is identified and approval received from insurance, our experienced team can begin the process of restoring your home to pre-fire condition. Some aspects of Fire Restoration and Home Repair include:
- Mold remediation
- Water remediation
- Debris removal
- Soot and smoke removal
- Cleaning & deodorization
- Containment of damaged areas
- Partial demolition
- HVAC Cleaning
- Specialized cleaning (Walls, fixtures, bedding, rugs, clothing, furniture etc)
Unfortunately, not all fire damage is repairable. As is the case for many families affected by the Marshall Fires in Boulder County, homes can be completely decimated by a house fire, leaving you with the option of either rebuilding or finding a new property. If you decide to rebuild, whether in the same community or another, our company and our network of Architects & Engineers can assist with everything from the beginning design stages, to the final walkthrough post-construction to ensure your new home is a home that will provide comfort and stability for your family for many years to come.
Educational Resources Directly Relating to the Marshall Fire
In this 5 Video Series, Stephanie Pouse and Jack Hanks dive into Frequently Asked Questions relating to the Marshall Fire. With content ranging from “Where Do I Start?” to How Public Adjusters Are Compensated, the goal is to help homeowners understand this process so they can act in the best interest of their family.
Connect With Our Team
Our team looks forward to being a resource for you and your family, relating to your restoration needs. Please fill out the form below and a member of our team will be in contact with you soon, where we’ll do our best to answer your questions:
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