It depends on whether the repair cost clears your deductible and what it could cost your claims-free discount. We’ll give you a free, honest read on both before you decide — sometimes that means telling you not to file.
RCV (Replacement Cost Value) is what it costs to replace the item new today. ACV (Actual Cash Value) is RCV minus depreciation for age and wear. Your policy determines which one you’re paid on, and it changes what you actually collect.
Sometimes, yes — even an approved, paid claim can affect your rate at renewal, separate from any claims-free discount you might lose. We factor this into our honest recommendation before you file.
Usually yes – smoke and soot damage is typically covered even in areas away from the fire itself, but it has to be documented properly, since it’s not always visually obvious.
It depends heavily on scope – a contained kitchen fire might take a few weeks; a whole-structure fire with smoke damage throughout can take several months. We give you a realistic timeline once the scope is confirmed, not a generic estimate.
Don’t attempt cleanup yourself, secure the property, contact your insurance company to start the claim, and get in touch with us to begin documenting damage for your adjuster — before anything gets disturbed.
