HOPE Public Adjusters

HOPE Public Adjusters takes time on site to get the proper documentation to help clients and contractors get the money they deserve! This initial inspection is just one step of many to help fight for you. #publicadjuster #adjuster #insuranceclaims

?? Fire Damage: More Than Meets the Eye ?? What you see on the outside—burnt siding, shattered windows, and charred walls—is just the beginning. Inside, the real danger can be found in the form of carcinogenic materials left behind by smoke, soot, and ash. ????? ?? What You Need to Know: 1?? Soot & Smoke Residue ????: These particles settle on walls, furniture, and carpets, posing serious health risks. Breathing them in can lead to respiratory issues and long-term health concerns. ??? 2?? Lingering Odors ????: That strong smoke smell isn’t just unpleasant—it’s a sign that harmful chemicals are still present. 3?? Compromised Materials ????: Intense heat weakens structural elements, making them unsafe and unstable. ?? How We Can Help: ? Advocate for proper insurance coverage. ? Ensure deep cleaning to remove ALL harmful residues. ? Help you rebuild safely from the ground up.

?? Congrats to Ben, our Outlier of the Month for November! ?? As the Executive Assistant, Ben keeps everything running smoothly with his hard work and attention to detail. We’re lucky to have him on the team! Drop a ?? to celebrate Ben’s well-deserved recognition!

??? Roof Core Sample: What It Tells Us About Your Commercial Property ?? When evaluating a commercial roof, taking a core sample is one of the most critical steps to uncover hidden damage and assess the roof’s overall condition. Here’s a breakdown of the steps shown in these photos: 1?? Mark the Testing Area -?? The area for the core sample is outlined, ensuring a precise spot to extract materials for evaluation. This step avoids unnecessary damage to surrounding areas. 2?? Extract the Core Sample -?? A section of the roof is carefully cut and removed. This sample provides a cross-section of all roofing layers, including membrane, insulation, and decking. 3?? Inspect the Materials -?? Close inspection of the core sample reveals potential issues, such as trapped moisture, deterioration, or improper installation. In this sample, signs of moisture damage and wear are evident. 4?? Measure and Document -?? Using tools for precise measurement, each layer's thickness and condition are recorded. This ensures we have accurate data to support insurance claims or recommend repairs. Our Method: The Technical Approach

?? Fire Damage in a Commercial Property: What You’re Seeing ?? These photos reveal the full scope of destruction from a fire: 1?? Burnt Structural Components -?? Charred beams and walls show severe heat damage, compromising structural integrity. This often requires ?? full inspections and ??? rebuilding efforts. 2?? Electrical Hazards -? Melted and exposed wires pose serious risks. Electrical systems must be evaluated and replaced to restore ?? safety. 3?? Smoke and Soot Residue -?? Blackened surfaces leave behind corrosive soot that can damage ??? metal fixtures, walls, and even indoor air quality. Proper remediation is key to prevent further deterioration. 4?? Water Damage and Contamination -?? Water used to extinguish the fire often leads to mold, rust, and additional degradation, as seen in the standing water and debris. The next step is submitting our BOP packet to the carrier.

??Inspecting a Commercial Property for Hail Damage??

?? Hail Damage on a Commercial Metal Roof System The photos above show visible hail impacts to a commercial metal roof. ??? The chalk markings indicate the locations where hailstones struck, leaving dents and surface damage. ????? ??? What Does This Mean? 1?? ?? Water intrusion if protective coatings are compromised. 2?? ??? Premature wear and tear on the metal panels. 3?? ? Hidden vulnerabilities that could worsen over time. ??? Our goal is to ensure every aspect of hail damage is documented! ????

?? Exterior Fire Damage Overview ?? In this series of photos, we can see the extensive fire damage sustained on the exterior of this property: ?? Broken Windows: The intense heat shattered multiple windows, allowing smoke and flames to penetrate the interior. Broken windows not only expose the home to further weather damage but also signify the level of heat generated by the fire. ?? Melted Siding and Fascia Damage: The siding has melted and warped along the upper portions of the walls, showing how the fire affected even the external surfaces. Melted vinyl and damage to the fascia around the roofline highlight the extreme temperatures during the blaze, which caused siding to buckle and distort. ?? Soffit and Roof Edge Charring: In several areas, we can see heavy charring and blackening along the soffit and roof edges. This type of damage indicates the fire's proximity to the roof structure, which may have compromised its integrity. ?? Roof Damage: The roof surface shows signs of fire exposure, with sections burned through and underlying materials exposed. Even areas with less visible damage may have suffered weakening, requiring careful inspection and potentially extensive repairs. ?? Next Steps: Fire damage like this requires a thorough assessment to document all affected components and create a comprehensive restoration plan.

?? Fire Damage Assessment ?? In these photos, we can see the widespread smoke and fire damage in this kitchen: ?? Significant Soot Buildup: The kitchen walls and ceiling are covered in soot, with visible dark stains around the cooking area. This buildup shows how smoke and heat affected every part of the room. ?? Stratification Lines: Notice the clear lines on the walls where the color shifts from dark to light. These lines are called stratification lines and form when hot smoke rises and cools, causing soot particles to settle at different levels. This effect not only marks the height of smoke accumulation but also helps us understand the heat distribution during the fire. ?? Severe Appliance Damage: The area around the stove and cabinets sustained the most intense damage, with soot penetrating into wall surfaces and leaving deep stains. This kind of residue requires specialized cleaning and, in many cases, complete replacement of affected surfaces. ?? Ceiling Stains: The entire ceiling is darkened, showing that smoke was thick and pervasive during the fire. Smoke rises and spreads, often leaving the upper surfaces heaviest with soot, which is evident here. ?? Restoration Tip: Stratification lines help restoration teams understand the flow and impact of smoke within the structure, aiding in cleaning and deodorizing efforts. Specialized cleaning methods are necessary to ensure these walls and ceilings are fully restored.

?? Fire Loss Highlights Extensive Damage Throughout the Property ?? In these photos, we can see the devastating impact of a recent fire. Here’s a breakdown of the damage: 1?? Severe Interior Damage: The countertops and cabinets are covered in thick soot, showing evidence of extreme heat and smoke damage. Personal items and structural elements have suffered significant burn and charring, rendering much of the space unsalvageable. 2?? Structural Compromise: The ceiling joists and beams are visibly charred, with insulation burned and destroyed. This level of damage not only affects the aesthetics but also compromises the structural integrity, raising potential safety concerns. 3?? Soot and Smoke Residue: In the bathroom, thick smoke stains cover walls, fixtures, and surfaces. The residue on the shower curtain and walls indicates extensive smoke infiltration, which can lead to persistent odors and health risks if not properly remediated. 4?? Exterior Damage and Loss of Roof Integrity: Parts of the property’s exterior have been severely charred and burned through, leaving it exposed to the elements. This damage further complicates restoration efforts, as water and weather exposure can worsen interior and structural degradation. 5?? Widespread Devastation: In other areas of the home, walls, windows, and floors are blackened, with insulation and debris scattered. The overall extent of the damage showcases the challenges of restoring such a heavily affected property. A full and fair insurance claims settlement is possible!