So what have you done for fire protection for the property? I am a career firefighter and would not want this to happen to anyone. You don’t know what all you post until you start looking for something and can’t find it anymore.
Well, for starters, I am much more careful with grilling. I have, and previously had, multiple fire extinguishers but you have to be there for those to be any good.
How long did it take for the adjuster to reach your settlement figure?
My Public Adjuster had the building settlement done within a few days. The insurance company paid out to my limits so there was really nothing to negotiate.
As far as contents, my PA encouraged me to take my time in recording my lost tools. Fortunately, I was pretty organized and had lost of pictures of projects so I was able to zoom in and look on shelves and remind myself what I had. It took me about a month to compile my list and the insurance company accepted my list and my replacement values, no questions asked, within a week of submitting it.
This is why I hired a PA, made the process super easy and fast and got a settlement 3X what the insurance adjuster was hinting at the day after the fire.
Did your insurance company send their own investigators in after the local county or state fire Marshall completed their investigation?
There was no local, county or state investigation. The insurance company sent an investigator and he spent all day there looking for a possible cause. Like I said before, they know it started in a trash can and the only thing I can figure is an ember made it in there when I swept up for the night and smoldered for 90 minutes.