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Fire & Water - Cleanup & Restoration

Most Commercial Fires Are Partial Losses

4/19/2020 (Permalink)

Warehouse Fire Inside Commercial fire loss in Bryan,TX

Most Commercial Fires Are Partial Losses

While improvements in building materials and fire safety have made a major difference in recent decades, a fire loss is still one of the most common insurance claims in Bryan, TX. This is especially true in older commercial structures, many of which were built before modern electrical codes, but a fire can happen in any structure. According to the Insurance Information Institute, 2018 statistics show that

There were almost 500,000 structure fires.
Fire departments responded to a fire about every 24 seconds.
Total property loss was almost $44 million.

However, most fires don’t end up as total losses. A partial fire loss claim is considerably more common, and while it’s a big relief to not lose everything, a partial loss does bring up some additional issues that you should be aware of.

A Partial Loss Can Include Hidden Damage
Not only does smoke like to find its way into every crack and crevice, but water and mold are also likely to cause considerable damage behind walls after fire suppression efforts. This requires an inspection by an expert, who may use thermal imagers and other equipment to locate hidden damage.
Also, a partial fire loss may leave a visible portion of the business untouched. The insurance company is required to pay for a “uniform and consistent appearance,” meaning that they may have to repaint or retile undamaged areas to match the restored portions of the building.

A Partial Loss May Be a Lower Priority for Insurance Companies
Commercial fires can often impact multiple parties in shared buildings. This can overwhelm an insurance adjuster, who is often facing a serious backlog of work. Even if your business has just smoke damage, it may be enough to shut down normal operations, so you might have to be assertive about your needs. Generally, the best way to speed up your claim is to call a professional fire restoration company that is used to dealing with insurance companies in Bryan, TX. Not only will they help with insurance claims, but they are also the ones who will do everything necessary to return your business to its original condition.

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