Partial Loss: What You Should Know

1/5/2022 (Permalink)

If you need assistance with emergency planning, or if you are currently dealing with fire damage and loss, contact SERVPRO, we can help you!

What You Should Know About Partial Loss

Fire loss refers to damage caused by the initial blaze, but partial loss refers to the damage that is not overwhelmingly apparent upon your initial walkthrough. Beyond the potential for hidden damage, you should be aware of the problems associated with partial loss recovery.

1. Hidden Damage

Smoke damage is responsible for most issues of partial loss. The residue left by smoke can infiltrate your electronics, appliances and even ductwork. Smoke carries an electric charge, and the soot left behind has specific acidic properties, both of these characteristics can be detrimental to your property and your health.

2. Sight Lines

Fire loss is usually worse in certain areas of the property, the spaces affected by the blaze. However, to ensure continuity across your facility, it is crucial that repairs to the most damaged areas match into the untouched areas. This refers to sight lines, or continuity of appearance, which is essential for business and should be covered by your insurer.

3. Slow Response Times

Another problem associated with partial loss is slow response times, especially if a fire or disaster includes more than one property. Insurance adjusters are often overworked, and if your property is still functional, you will probably have to wait. However, you can continue to call and plead your case, as any type of loss can cause business interruptions.

4. Inspections and Contractors

It is vital to research your contractors because some will try and avoid required work. Sight lines and appearances are all a part of the recovery process, but some contractors will try to convince you that fixing only a portion of your roof is necessary, despite the replacement shingles not matching. Don’t let this happen to you, before starting a fire restoration project reach out to a disaster restoration specialist in the Aventura, FL, area who is used to the work you are requesting.

Fire loss is bad enough, but partial loss comes with a slew of problems all its own. Pay attention to hidden damage and make sure that your insurer and contractor are focused on your needs.