THE CASE
When a fire broke out at an upscale family home in Alamo, California, all occupants quickly and safely evacuated the residence – but the house was left in ruins. While the fire damage was extensive, the failure of the remedial contractor hired by the family’s home insurance carrier to immediately remove the water — and the prolonged dispute over damage that followed — allowed for further deterioration of the home.
Ultimately, what remained of the house after the fire and subsequent water damage indicated it was a total loss.
FIRE DAMAGE EXPERT SERVICES
The family hired fire damage expert Steven P. Viani, P.E. to help them. Steve’s scope was to expertly assess the extent of fire damages, water damages, the overall condition of the residence and each space, including all rooms and the exterior. The brickwork on the house and on the landscaping was the same, and no like replacements could be located to restore the residence. Framing in some areas was balloon framing that would require extensive demolition to allow for removal.
Another major issue resulting from the fire and water was the home’s severely damaged and deteriorated subfloor that would require replacement. Unfortunately, the house framing was constructed on top of the subfloor and replacing the subfloor would require removal of all framing, including the roof framing and the roof.
THE RESULTS
To ensure the homeowners’ recovery from the fire and water damage, Steve prepared an expertly detailed estimate that conformed to the requirements of the Fair Claims Settlement Practices contained in the California Insurance Code Section 2695.9. His client prevailed in Appraisal.
