Homeowner Fire

On March 18th, 2020, at the height of the COVID-19 pandemic uncertainty, a home experienced a significant fire ignited by an alleged defect in a BBQ construction and installation. After the fire was believed to be extinguished, it reignited several hours later, resulting in a total burn of the home.

Emergent Concerns

The insured tested positive for COVID-19 - leaving uncertainty for all parties required to visit the loss. The insurance company adjuster did not physically visit the property, creating difficulties in agreeing upon the value of the loss.
Homeowner displacement during a significant supply chain crisis, which limited the availability of temporary housing and associated rental furniture, as well as access to construction materials.
Substantial delays in Cause and Origin investigation due to COVID restrictions prolonged the adjustment process.
AAG-hired consultants were required to abide by state regulations of social distancing and PPE.

Solutions

AAG assembled a team that included building damage and code consultants, landscaping architects, personal property damage consultants, and jewelry damage consultants to prepare and support a claim submission to the carrier.
Our team meticulously reviewed the policy to support the insured's temporary relocation and purchase of temporary furniture.
The experienced public adjusters at AAG devised a game plan to support an updated replacement value of the structure that addressed all applicable specifications and associated costs.

Recovery

AAG guided the homeowner during every step of the claim process, providing them with significant support during an incredibly uncertain and emotional time.
Our team negotiated with the property's insurance company and achieved a multimillion settlement.