this occurs. Damages incurred by smoke generally affect the entire property causing soot to form on walls, couches, tables, and all personal property.

Sometimes this type of damage is not immediately apparant and is only discovered when you attempt to clean a wall or paint and you notice paint does not cover properly. When you experience smoke or soot damage call TJM Consutling immediately as we can test for the extent of damage to your home or business and advise you as to the amount of damage you have had to your property. Should you have a claim TJM Consulting will handle every aspect of your smoke/soot claim including first and foremost getting a remediation company to clean every item damaged incident to the smoke damage, soot or puff back to ensure that your property is free from any contaminants that may affect the health of your family, friends and/or employees. If the damage renders the home or business unsuitable to stay in we will make sure you get an advance from your insurance company so suitable living and business quarters can be found for you, your family and employees. Here is what TJM Consulting will do:

• Full analysis of your insurance policy and the type of coverage you have (replacement cost or actual cash value coverage). What is covered and what are the exclusions.

• Make sure all policy requirements are met. You are required to make sure further damage is not encountered by the peril.  Provide necessary contractors, remediation company, plumbers, electricians, etc. to make sure your property is safe and meeting policy requirements.

• We conduct a complete scope of building damage and provide a complete detailed estimate to restore the building.

• We conduct a complete review of financial data to identify any financial loss that is covered by your insurance policy if this is a business.

• We conduct a complete estimate of damaged and lost assets and determine how much is covered by insurance.

• We report your claim and followup with company adjusters, in writing, orally, and through various site visits and meetings.

• We meet with insurance company adjusters to identify and document the scope of damages both physical and financial.

• We prepare a complete detailed report identifying the full scope of your loss and present to your insurance company.

• We will request advances on your coverage to absorb costs encountered while getting your building in order.

• We will negotiate a final settlement of your claim and only accept it upon your approval.

The insurance process on smoke damage claims can be cumbersome and difficult to navigate and certainly can take a long time. We will make sure that your loss is fully identified to make sure you get every dollar you are entitled too.  A  public adjuster can make all the difference in restoring your building and assets in a timely fashion and returning your life back to normal as soon as possible.