WILDFIRES

What is wildfire damage?

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Wildfire damage is the effect on human life and property resulting from accidental or unintended fires. Human error is typically the cause, with only about 10 – 15% of fires sparking naturally during droughts and dry weather from lightning or lava. The burning of debris, unattended campfires, discarded cigarettes, downed power lines, and intentional acts of arson play a major role in the start of these disasters. Adding fuel to the fire are strong winds and warmer temperatures, which helps fire to spread at incredibly fast speeds, and flames can travel up to 14 miles per hour. Winds that carry wildfire embers are the reason many residences and buildings burn down, as well.

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Post Wildfire Damage Checklist

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Fire can create so much destruction to property and personal possessions in relation to flames, smoke, ash, heat, and water. Great health risks can come from extensive smoke or ash and can render a home or workplace uninhabitable. The following is a list of damages to consider after a wildfire:

• Smoke, Ash & Soot Residue Smoke can permeate the interior of your home, as well as your personal belongings, furniture, and décor. Soot is acidic and can corrode, rust, stain, and discolor surface areas and furnishings.

• Roof & Exterior Damage Wildfire embers can drift from nearby flames and cause damages to your roof and property exteriors.

• Warped or Discolored Windows Glass that is exposed to high heat becomes weaker. The seals in double-pane windows can be broken, or the window frame itself can be damaged.

• Damaged Walls In addition to fire and smoke, fire-fighting efforts can create widespread water damages and flooding throughout your home. Walls will absorb smoke damages, but you could also be at risk for future mold hazards with water damages.

• Discoloration of Fabrics Upholstery, rugs, clothing, carpets, and other fabrics can soak in the smoke from a fire, causing discolorations and odor.

• Cracked Concrete

  It is common for concrete surfaces to experience breaking, paint chipping, and cracking from prolonged exposure to heat.

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Post-Storm Wind and Hail Damage Checklist

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• Inspect the Roof
  As the most susceptible to wind and storm damage, make sure to check the roof for damaged shingles and seams, broken or missing materials, holes or gaps, loose and fallen debris, and any water stains or discoloration
  
• Thoroughly Check Windows
  Whether single or double pane, windows can easily take on damage from a large storm. Inspect for cracks and dents in frames, rips or holes in window screens, broken panes, or damage to the seal in double panes which creates fogging.
  
• Investigate the Attic
  Make sure to inspect the hidden areas like attics and crawl spaces for flooding and water damage.
  
• Check Gutters & Pipes
  Pipes, gutters, and downspouts can be cracked or chipped, or even be obstructed with debris.
  
• Access Fences, Decks & Porches
  It is common for exterior surfaces to experience breaking, paint chipping, cracking and other damages.
  
• Inspect Driveways & Walkways
  Be aware of the ground surfaces and inspect for cracks in the sidewalk or gravel astray.
  
• Be Mindful of Trees & Debris
  Take a look at all trees and plants on your property, as well as your direct neighbors.
  
• Look for Chipped Brick Hail stones frequently chip brick, which can devalue your home. Some types of brick are very hard, but also very brittle and susceptible to chipping.

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What steps should you take after a wildfire?

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Take health and safety precautions into consideration before returning to your home, as hazardous conditions, chemicals, and materials may still be present. Smoke, ash, waste, and other threats can pose serious health risks, so seek advice from local officials, the fire department, or other experts before repairs or cleanup begins. Consider the following steps when dealing with wildfire damages after a hurricane:

• Always seek advice before returning to the property as breathing hazards and other risks may still exist

• File a claim with your insurance company

• Take photos of any property damages (interior and exterior)
  
• Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries
  
• Create an inventory list of your damaged property and possessions
• Prepare receipts or proof of payment for damaged items

• Contact trusted contractors to inspect your damages and write bids for the repairs

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Why should I contact an insurance claim lawyer?

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Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Galindo Law fights for your rights on bad faith insurance claims for damages resulting from disasters such as wildfires. Our qualified attorneys can help blaze your path to recovery, and rest assured – you will not pay a dime unless we win. Call the Galindo Law Firm at 888-800-1808 for a free legal consultation.

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