FIRE DAMAGE RESTORATION EXPERTS

We Schedule & Manage FIRE DAMAGE RESTORATION SERVICES For Free

EMERGENCY SERVICES & Fire Damage Clean-Up

Board-Up, Smoke Deodorization & Asbestos Removal

HIRE PROFESSIONAL FIRE RESTORATION CONTRACTORS

Jenee' Child

CEO & Founder

Are You At Risk? Don’t Be A Victim

 

“I have seen and heard horror stories of numerous families whose lives were unexpectedly turned upside down when they had a fire in their home and they were preyed upon by countless Public Adjusters and their crooked contractors at a time when they were feeling extremely vulnerable.

Having a fire in your home will forever change your life. The emotional aspect of having survived a home fire will immediately direct your attention to the here and now and will likely increase the level of gratitude you have for everything good in your life. Unfortunately, it also brings with it an underlying fear of what could have been had you not survived. Living through a home fire of any kind can be scary, stressful and can leave you feeling overwhelmed. The level of devastation makes it difficult to see that your life can ever get back to the way it was before the fire happened.

Most people in this situation are unsure of what to do or what to expect. Because they are emotionally fragile, they are a prime target for predators looking to profit from their unfortunate circumstances. This is why finding the right fire damage restoration contractor is so important. Hiring the right contractors will also ensure that you can move back into your home and get your life back to normal quickly and in the shortest time possible.

Having an experienced professional manage and oversee the entire repair process for you is not only a necessity but can provide you with an immediate feeling of relief. You will really appreciate having a designated person to communicate with that is fully-aware of you, your situation and your loss and that can guide you through the insurance claims process. Plus, hiring specialty fire cleanup contractors who are certified in restoring your home after a fire will save you time and money in the long run.

It is my goal to provide you, not only with the resources you need so that you know what to expect if you have a fire, but also to protect you from being preyed upon by contractors who are scam artists. I hope you’ll take advantage of the free services we’ve made available to you.”

 You Are Not Alone – You Have The Help You Need

 

I invite you to read our “Frequently Asked Questions” (FAQs) below as well as other related blog articles I’ve written that will help you make more informed decisions, know what to expect and how to avoid becoming a victim of a contractor scam:

 

All About Our 

Free Services

No Cost All-Inclusive – Concierge Services

EMERGENCY SERVICES

Emergency Restoration Services 
Board-Up Windows & Doors
Home Relocation Assistance
Asbestos Removal

FIRE RESTORATION

Smoke Deodorization
Soot Cleaning
Dry-Cleaning & Textile Cleaning
Contents Cleaning, Pack-Out & Storage

CONSTRUCTION SERVICES

Restoration
Reconstruction
Renovation
Engineering

Services We Schedule For You

Finding time to research contractors and manage the entire repair process can be difficult. Call and scheduling all of the contractor services needed to restore your home can be time consuming and frustrating.

Take advantage of our FREE “One Stop Shop Services”. Let us take care of things for you, the right way. We only work with qualified companies that provide exceptional customer service and specialize in doing quality work:

 

  • Board-Up Windows & Doors
  • Short & Long-Term Relocation Services
  • Set-Up Temporary Fencing
  • Emergency Cleaning of Soot & Slurry (Foscheck)
  • Contents Pack-Out & Storage
  • Cleaning of Personal Items
  • Dry-Cleaning of Clothing
  • Dry-Clean Ustery & Window Coverings
  • Asbestos & Lead Testing
  • Asbestos & Lead Removal
  • Fire Damage Restoration
  • Smoke Deodorization
  • Reconstruction & Repairs
  • Architectural Plans & Engineering

Services We Schedule For You

Finding time to research contractors and manage the entire repair process can be difficult. Call and scheduling all of the contractor services needed to restore your home can be time consuming and frustrating.

Take advantage of our FREE “One Stop Shop Services”. Let us take care of things for you, the right way. We only work with qualified companies that provide exceptional customer service and specialize in doing quality work:

 

  • Board-Up Windows & Doors
  • Housing & Relocation Services
  • Set-Up Temporary Fencing
  • Emergency Cleaning of Soot
  • Contents Pack-Out & Storage
  • Cleaning of Personal Items
  • Dry-Cleaning of Clothing
  • Dry-Clean Upholstery & Window Coverings
  • Asbestos & Lead Testing
  • Asbestos & Lead Removal
  • Fire Damage Restoration
  • Smoke Deodorization
  • Reconstruction & Repairs
  • Architectural Plans & Engineering

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What Our Clients Are Saying


David C., Insured - Tokio Marine America Insurance Company

I suffered a major loss from a fire…I was overwhelmed. I didn’t know what to do or where to begin to restore my house….Luckily, I was able to work with Jenee’ Child. I found her to be professional, personable and friendly, knowledgeable, available and responsive…most importantly, I felt I could trust her…..

Raul G., Insured - Allied Nationwide Insurance Company

SOS helped me get started on putting my house back in order…they scheduled reputable and professional contractors. Had I tried to identify these professionals on my own, it would have taken me forever. Using SOS saved me time…They were supportive, responsive and knowledgeable. My experience was great….

See More Testimonials

Frequently Asked Questions

24/7 HELP WITH FIRE DAMAGE

SOS Solutions is your #1 resource when you need to hire reputable and trusted fire restoration contractors and certified fire damage restoration specialists. Place your trust in what we do best!

What If My Home Is On Fire?
  • Exit the home or building immediately and CALL 911
  • Smoke rises so stay low to the ground and exit while crawling on your hands and knees to avoid breathing in smoke
  • Be careful when touching doors or door handles that may be warm or hot because the fire is on the other side of the door. If so, DO NOT OPEN THE DOOR as this will cause the fire to quickly spread and put you in even more danger
  • Place wet towels or blankets at the gap beneath a closed door to prevent smoke from entering rooms you travel through when exiting
  • Opening a window or door can spread a fire quickly so close doors behind you. If you have no other escape route, then break the window and carefully exit. If possible, throw out blankets, pillows or cushions to land on when you exit to help break your fall or to give you something soft on which to land.
  • Do not go back into a home or building that is on fire for any reason.
  • Make sure you children know not to hide under a bed or in a closet when they hear a smoke alarm or smell smoke.
  • Exit the home immediately and do not go back inside to look for anyone else or for your pets.
Who Should I Call First After Calling 911?

Insurance Policies require that you take care of your damage in a timely manner. SOS can schedule these services to be done for you:

 

  • Emergency Services
  • Board-up of windows and doors
  • Place a tarp over your roof to prevent water intrusion if rain is expected
  • Set-up temporary fencing around your property’s perimeter to limit access
  • Relocation Services for Short & Long-Term Stay until repairs are completed
  • Estimates for asbestos and lead removal; contents cleaning, pack-out & storage and for fire restoration, smoke deodorization and home repairs
Fire Safety Resources

Review Fire Safety With Your Children Before There’s A Fire

 

Are You Prepared For A Fire Emergency?: 

 

Do You Know What To Do If A Fire Breaks Out:?

Why Are Public Adjusters Contacting Me After I Call 911?

Public Adjusters listen in on the 911 scanner radio and may contact you or come to your home immediately after you report a fire to 911.

Here’s what you need to know if you are wondering if you should hire a Public Adjuster:

 

  • They DO NOT work for your insurance company
  • They charge a percentage of your insurance claim settlement for their services (up to 40%)
  • They were not sent by your insurance company
  • Do not give them the name of your insurance company, your policy number or a copy of your policy
  • They may promise or say things to you that are not true to get you to sign their contract
  • You can ask them to leave your property or call the police to remove them
  • They may offer you a large amount of cash to sign their contract
  • They may offer to put you up in a hotel at no charge for your entire household
  • They may offer to report your claim to your insurance for you and will wait 3-days to do so
  • Once you sign their contract, it is legally binding after 72-hours or 3-days and likely cannot be revoked or cancelled
  • You can cancel their services within 3-days or 72-hours of signing their contract – Do so in writing via email, fax or certified mail
  • They may recommend a contractor to repair your home that may not be reputable or trustworthy

DO I FILE AN INSURANCE CLAIM?

If you have had a smoke or fire loss, here are some questions regarding the insurance claims process and what you can expect if you file an insurance claim:

How To Understand Your Insurance Coverages

Here are the types of things that fall under different Coverages under your Homeowners Insurance Policy:

 

  • Anything attached to the ceiling, walls or floor of your home are considered part of the building or the home’s structure and are considered part of the “Dwelling”
  • Items not attached to the house such as fences, pools, pool decks, awnings, gazebos, detached garages or guest houses are considered “Appurtenant Structures” or “Other Structures” and are usually insured up to 10% of the “Dwelling” policy limit
  • Items that you can take with you if you were to move that are not bolted down or attached to the home’s structure are considered “Personal Property” such as clothing, furniture, electronics, bedding, kitchenware, knick-knacks, jewelry, art, firearms, etc.
  • You may receive separate checks for relocation services, market or fair rental value of your home or to reimburse you for any increase you incur in your water or electricity bill or for meals as a result of your loss under “Loss of Use” Coverage.
What Is Depreciation and Why Was It Withheld?

Whether your Insurance Policy has “Replacement Cost Coverage” or not, you will likely first receive a partial settlement check rather than full payment based on the replacement cost value of your claim for repairs or to replace any total loss items..

Usually, “Depreciation” is first deducted from from the “Replacement Cost Value” (RCV) of your insurance claim which represents the “”Actual Cash Value” (ACV) of your loss.

Depreciation is the life expectancy of the materials needed to complete repairs with consideration given to the average expected lifespan for each. This also applies to “total loss” items that are to be replaced with a comparable item, something similar or of like, kind and quality.

Here are costs that should not be deducted or withheld from the insurance claim settlement check you receive for your home repairs:

 

  • Depreciation on labor
  • Depreciation on the cost of materials for framing, insulation, drywall, plaster or stucco
  • Overhead and Profit Charges. Uusually, 10% ifor Overhead and 10% for Profit or a total of 20% s added to the cost of the repairs if more than 3-trades (ie. electrical, pluming, drywall, paint, flooring, framing, roofing, etc.) are needed to complete the work
  • Sales Tax
Understanding The Insurance Payment Process

If your Insurance Policy has “Replacement Cost Coverage”, you are entitled to receive full replacement to restore your home. Review your Insurance Policy to confirm if you have this same coverage on “Other Structures” or “Personal Property”.

Here is what you can expect and how to receive your full insurance settlement::

 

  • Your initial payment for your home’s repairs will be based on “actual cash value” where depreciation on the cost of the materials is withheld and not paid up front
  • Once repairs are completed or your personal items have been replaced, you are entitled to submit a claim for the depreciation previously withheld, which is also called “recoverable depreciation”
  • To make a claim for release of “recoverable depreciation”, submit your original purchase receipts for the items you have replaced or a “Notice of Completion” form from your contractor stating that all repairs have been completed and were done to your satisfaction to your insurance carrier
Does My Policy Cover Fire Damage?

Your Policy must be in effect on the date that the fire/smoke happened for coverage to apply. Here are things that are likely not covered:

 

  • Arson fires started by you or another resident or member of your household
  • Fire caused by an animal or wildlife
Why Is My Mortgage Company Listed On My Insurance Check?

Any check you receive to repair the structure of your home will likely be subject to having your mortgage company listed as a Payee on your insurance settlement check.

Your Mortgage Company should not be listed on any other checks that are not specifically related to the cost of repairing your home:

Your Insurance Policy requires your insurance company to include the name of your current mortgage company on your insurance settlement check because they have an interest in your property  and its value, given that they carry a loan. This gives them the right to be involved to make sure that you complete all of the needed repairs.

Here’s are steps you can take if your mortgagee is named as a Payee on your insurance settlement check:

 

  • Call your mortgage company or lender to let them know you’ve filed a claim with your insurance company for damages
  • Ask them if there is a local branch you can go to in order to have them sign off on the check so you can deposit it into your personal account and can then pay your contractor to get started on repairs
  • Your lender may require you to sign the check before you mail it to them. If this is the case, they will then set up an Escrow Account in order to monitor the repairs.
  • If an Escrow Account is set-up, your lender will require you to provide them copies of all estimates for needed repairs
  • Your lender will issue partial payments to you or your contractor as work is completed after they set up an Escrow Account
  • Once repairs are completed, your letter may send out an Inspector to confirm all repairs are completed
  • Your lender should release to you any additional money owed once they have confirmed all repairs are completed
What Else Will My Insurance Policy Cover?

Your Homeowner Insurance Policy has “Loss of Use” Coverage that may extend coverage to you for the following:

 

  • If you do not have full use of your kitchen to use your sink, stove or refrigerator, you may be entitled to receive reimbursement for any increase you incur above the cost of your normal meal expenses
  • If you cannot live in your home because of its condition as a result of your loss or during the time in which repairs are being made, you may be entitled to hotel stay or to be relocated to a comparable sized furnished home during this time period.
  • If you have animals or pets and need to kennel them because of the condition of your home or because of equipment running on-site or repairs being made, you may be entitled to reimbursement for this expense.
  • If the temporary location where you’ve been staying is farther away from your work or school, you may be entitled to reimbursement for mileage for the increase you incur in driving farther to school or work or to pick up your kids at school.
  • Unfortunately, this coverage is not designed to reimburse you for your time in meeting with contractors or your insurance adjuster or in communicating with your insurance company to resolve your claim.

 

 

Free Help Is Available Now

Our Contractors Are Verified & Vetted

Hire only licensed, bonded and insured contractors.

Go to the California State Contractors License Board website.

BE INFORMED….BEFORE YOU HIRE

Call SOS Now!

1-888-589-1868

Call SOS Now!

1-888-589-1868

Get Help Now
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