FIRE DAMAGE

American Catastrophe Restoration > FIRE DAMAGE

FIRE DAMAGE

When disaster strikes you get one chance to make sure repairs are done right. The emotional state following a house fire or flood is devastating, overwhelming and a feeling of helplessness. It is tough to be prepared for something that you never saw coming.

As the General Contractor, specializing in Fire Restoration we established an detail step-by-step Action Plan to follow in gaining your highest level of trust and integrity with our clients.

FIRE SERVICE

Am-cat professionals are different than typical individual contractors. We have a team of experts from all trades who work together in unison to specifically tackle the reconstruction of homes specifically affected by fires and floods.

Because Fire and Floods is the area of our expertise, we know exactly what to look for. Most damage is not always evident at the time of claim. Because it is not immediately visible, huge problems are never addressed leaving home-owners to deal with escalating, future disasters on their own and at their own expense.

WHAT TO DO WHEN COMPROMISED BY FIRE?

Created on April 30, 2022 By

amcat

The Damages Fire Can Do

Am-Cat Restoration Fire remediation break down of your common Fire related issues throughout your Home or Property.

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Q. What is fire damage?

A. Rain that gets through your roof and damages your ceiling and walls A burst pipe that saturates your ceiling · Mudflow; An overflow of tidal or inland waters.

B. Generally, most damage caused by wind in any type of storm is considered wind damage and is covered under a homeowner’s policy. Damaging winds can cause destruction to roofs, windows and more.

C. Molds have the potential to cause health problems. Molds produce allergens (substances that can cause allergic reactions), irritants, and in some cases, potentially toxic substances (mycotoxins). Inhaling or touching mold or mold spores may cause allergic reactions in sensitive individuals.

D. Fire damage refers to the physical damage to a property as a result of burning. This damage may either be directly caused by the flames or could occur due to smoke and other corrosive substances emitted by the fire. In terms of insurance, fire damage is one of the types of coverage offered in property insurance.

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Q. Why do house fires happen at night?

A. Areas most susceptible to flash flooding are mountainous streams and rivers, urban areas, low-lying area, storm drains, and culverts. This type of flood is caused by a gradual increase in water level of a river or creek.

B. One common cause of home floods is faulty drainage systems. The clogging of toilets, sinks, and showers can have more of an impact on your plumbing than one may think. The clogging of the drainage systems in your home can expose the house flooring, fixtures, and walls to extensive water damage.

C. Spring storms are juicier and stronger than summer ones, so they don't need the sun's daytime heat to add that extra kick of energy to spur tornadoes.

D. Bedroom - many bedroom fires start due to smoking in bed. Chimney - the buildup of creosote on the inside of chimneys is flammable and causes many fires. Living room - common causes include smoking, sparks from the fireplace lighting nearby objects such as blankets or a Christmas tree.

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Q. What usually survives a house fire?

A. Most standard homeowners’ insurance policies include dwelling coverage, which may help pay to repair or rebuild your home if wind from a tornado damage it. On the other hand, personal property coverage may help pay to repair or replace damaged or destroyed belongings that were inside your home.

B. If the hurricane's speeds go above 157 mph, catastrophic damage can occur. The winds can flatten your entire house and trees and power poles will be destroyed.

C. Generally, any item that's strong enough to survive the heat and the flames without absorbing water and smoke is completely salvageable after a fire. It might be a little stained, but it's nothing a little cleaning won't fix. If you need help cleaning up after a fire, contact a home restoration specialist.

D. Floods often deposit dirt and microorganisms throughout the house. Silt and sediment can create short circuits in the electrical system as gunk collects in walls and in the spaces behind each switch box and outlet. Appliances, furnaces, and lighting fixtures also fill with mud, making them dangerous to use.

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Q. Where do most house fires start?

A. Home fires are more likely to start in the kitchen than any other room in the home. The second leading cause of home fires are heating sources like wood stoves, and fireplaces. Fires caused by smoking are the leading cause of deaths.

B. Home fires are more likely to start in the basement than any other room in the home. The second leading cause of home fires are heating sources like wood stoves, and fireplaces. Fires caused by smoking are the leading cause of deaths.

C. Home fires are more likely to start in the bedroom than any other room in the home. The second leading cause of home fires are heating sources like wood stoves, and fireplaces. Fires caused by smoking are the leading cause of deaths.

D. Home fires are more likely to start in the bathroom than any other room in the home. The second leading cause of home fires are heating sources like wood stoves, and fireplaces. Fires caused by smoking are the leading cause of deaths.

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Q. How can we prevent fire accidents?

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A. Unplug Items You're Not Using. Excess electricity flowing through items in your home can always be a potential fire hazard.

B. Use surge protectors.

C. Never leave flames unattended.

D. Keep flammable items away from heat.

E. Don't Smoke in the Home.

F. Put out the fire.

G. Cut the clutter.

H. Remove lint and change filters.

I. All The Above.

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Q. How do electrical outlets catch on fire?

A. It can happen due to loose or corroded wires, wetness, or unplugging something from an overloaded outlet, and may even result in a fire. If the outlets are wired correctly, have been tightly secured, and stand in perfect condition, the chances of it catching fire are bleak.

B. Mold is a type of plant fungus that can decay walls, and mites are a type of insect pest that can also eat away at walls. Both favor areas with little light and ventilation with damp conditions. Thus, the small area of the wall that is behind electrical outlets can attract and be a haven for mold and mites.

C. Even a small amount of flooding can cause water to come into contact with one or more of the electrical outlets around your home. A leak in your roof can also cause water to pool in certain areas of the home.

D. If your outlet has short circuited or been overloaded, then your circuit breaker may have shut off its power. Check other nearby outlets to see if they are working. If they also are dead, then go to your circuit breaker. When a circuit breaker has tripped, the lever will usually flip to the middle or off position.

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Q. How do you handle a Fire with your insurance companies?

A. File Your Claim as Soon as Possible. It is crucial to comply with your policy and file your claim within the appropriate timeframe.

B. Request an Advance.

C. Secure Your Property and Mitigate Damages.

D. Keep Track of Your Expenses.

E. Don't Feel Rushed, and be patient it’s a process

F. All The Above.

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Q. What kind of policy covers fire damage?

A. Water damage covered by homeowners’ insurance typically includes Burst pipes. This might include a frozen pipe that bursts, but not if you neglected to keep the home properly heated. Accidental leaks, such as leaking plumbing or an appliance leak, like a broken washing machine or dishwasher.

B. Homeowners insurance typically helps protect personal belongings from specific risks (described in most policies as "perils"), such as fire and lightning strikes. If your belongings are damaged or destroyed in a fire, homeowners’ insurance may help pay to repair or replace them.

C. Mold coverage isn't guaranteed by your homeowners insurance policy. Typically, mold damage is only covered if it's related to a covered peril. Mold damage caused by flooding would need to be covered by a separate flood insurance policy.

D. Is Wind Damage Covered by Home Insurance? Yes, as noted above, homeowners’ insurance typically covers most types of wind damage. Usually, the dwelling coverage of your homeowner’s policy will help pay to repair or replace damage to the roof, siding or windows due to a wind event.

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Q. What does insurance pay for after a fire?

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Q. How do you prove smoke damage?

small loss Adjuster out with our PA Cliff 1

A. Date of Loss.

B. Type of Loss or Damage.

C. Location of Damage.

D. Any Related Injuries.

E. Others Involved.

F. Condition of the Home.

G. Description of Damaged Contents.

H. Whether or Not Temporary Repairs or Complete Replacements Are Necessary.

I. All The Above.

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Q. What are the 3 main causes of fire?

A. Cooking fires are the leading cause of home fires by far, accounting for 48% of all reported residential fires.

B. Electrical Heaters hooked up with extension cords.

C. Smoking in the home

D. Burning Candles.

E. All The Above.

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Q. How does fire affect a structure?

A. The temperature of the fire can cause the affected parts of the building to significantly expand – more than the amount for which they were designed to do. This kind of movement and expansion is likely to result in cracking or structural damage.

B. Water damage can cause structural damage and mold growth, both of which are dangerous to the residents living in the property. It is important for the safety of those residing in the building that water damage be cleaned up right away.

C. The same conditions that promote the growth of mold invite decay fungi to rot wood and other organic materials. The presence of mold and dispersion of mold spores will reduce the indoor air quality of your home. Mold will also cause unsightly stains and unpleasant odors. It will not, however, cause structural damage.

D. High wind pressures can collapse doors and windows, rip off roofing and roof decking and destroy gable end walls. Roof overhangs and other features that tend to trap air beneath them, resulting in high uplift forces, are particularly susceptible to damage.

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Q. How can fire damage a building?

A. Often times that type of water infiltration takes years to completely deteriorate the structural framing to the point where there's a collapse.

B. Mold may cause serious structural damage to a building because it feeds on and breaks down organic matter. Therefore, when mold infests walls, insulation, paper backing, or carpeting, the materials must be removed. Cleaning and removal causes great expense and inconvenience, but is often necessary.

C. Fires can result in the production or exposure of hazardous materials, and a fire-damaged historic building may contain residues of asbestos, lead oxides, chromium, nickel, and arsenic, as well as combustion products from more modern materials such as dioxins and isocyanates.

D. Wind forces can break the building's load path or punch a hole in the building envelope. Sometimes the actual force of high winds can cause a door or window to break open. Other times nearby debris can be picked up in the wind and projected against the building envelope.

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Q. How do you repair fire damage?

A. Assess the Degree of Damage.

B. Isolate Unsafe Areas.

C. Remove Water and Dry the Area.

D. Remove Soot and Smoke Residue.

E. Sanitize and Clean.

F. Fire Damage Restoration.

G. All The Above.

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Q. What are types of fire damage?

A. Wall water damage can come from outside sources, such as a storm, or inside, such as a burst pipe. If left unaddressed, any water damage can cause structural issues to your drywall and lead to mold. With the help of water damage professionals, wall water damage doesn't have to become a larger issue.

B. Exposure to a large number of mold spores may cause allergic symptoms such as watery eyes, runny nose, sneezing, itching, coughing, wheezing, difficulty breathing, headache, and fatigue. Repeated exposure to mold can increase a person's sensitivity, causing more severe allergic reactions.

C. There are three types of fire damage. The first is damage caused by flames, the second is damage caused by smoke, and finally the damage caused by substance and the act of extinguishing the fire. All three types come with their own problems, so it's important to understand what they are and how they affect your home.

D. Most thunderstorm winds that cause damage at the ground are a result of outflow generated by a thunderstorm downdraft. Damaging winds are classified as those exceeding 50-60 mph.

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AM-CATS CONTRACTING PROJECTS

Follow us on this Move This Bus Special, with a full walk through of are finished product of this Multi-Unit Building that had a Fire in the Kitchen on the Second floor that compromised the whole building, where we turn Catastrophes into Blessings.

FIRE ACTION PLAN

Identify and eliminate any and all hazardous conditions that may be present
Separate all damaged and undamaged business and/or personal effects
Elevate or transport all personal or business effects to a secure climate-controlled storage facility
Perform any and all necessary temporary or Emergency Services
Inspect damages and develop a course of action for the remediation process

CHOOSE AN ACTION PLAN

Choose an Action Plan

CONDO ACTION PLAN

There are different methods in which your insurance company can calculate the amount paid for a loss. ACV (actual cash value) & RC (Replacement cost) are two methods that need to be understood in order to process the claim with a favorable outcome. AMCAT is proficient in engaging your building policy in understanding the coverage related to the building. AMCAT will recommend preferred vendor’s base off the 1^st initial walk-through. Our professionals will be able to direct are preferred vendors in assisting the client base off the polices provisions in allocating its coverage. Understands how the adjustment process works and how your policy is written can impact your situation in dealing with your structural loss settlement. In a catastrophic event, AMCAT’S team of professionals and certified expert vendor’s will work diligently to get you back in your Condo.

CHOOSE AN ACTION PLAN

Choose an Action Plan

COMMERCIAL / BUSINESS INTERRUPTION ACTION PLAN

There are different methods in which your insurance company can calculate the amount paid for a loss. ACV (actual cash value) & RC (Replacement cost) are two methods that need to be understood in order to process the claim with a favorable outcome. AMCAT is proficient in engaging your building policy in understanding the coverage related to the building. AMCAT will recommend a preferred vendor’s who understands how the adjustment process can impact the business interruption and total value of a loss. In a catastrophic event, a team of experts will work diligently to limit your (BI) business interruption and get you back to work, with the Loss of Business recovered.

CHOOSE AN ACTION PLAN

Choose an Action Plan

MULTI-UNIT BUILDING ACTION PLAN

CHOOSE AN ACTION PLAN

Choose an Action Plan

SINGLE FAMILY HOME ACTION PLAN

CHOOSE AN ACTION PLAN

Choose an Action Plan

PROCESS MY INSURANCE CLAIM

Process My Claim

The 1^st Action In assisting you with your Claim is to Review and understand your Policy, and the 2^nd is to review if your policy is written either as a Replacement Cost and or an Actual Cash Value: Replacement cost policies provides you with the dollar amount needed to replace a damaged item with one of a similar kind and quality without deducting for depreciation (the decrease in value due to age, wear and tear, and other factors). Actual cash value policies pay the amount needed to replace the item minus depreciation. While Am-Cats is reviewing your police, we schedule a technical write up, a line-by-line estimate of the compromised items that are damaged due to the cause of the active peril as soon as you retain us to handle all structural repairs and process your loss.

Your Local Agent will be able to assist in providing you with the proper coverage and or extra coverage you may need. Please review all our preferred agents in your area.