Is There a Difference Between Partial and Total Losses?

3/12/2021 (Permalink)

After a loss in your Matthews, NC, home or business you may be wondering what the restoration process will look like. If you have had a partial loss there will likely be restoration and repairs required, if there is a total loss you may need a complete rebuild.

If only a particular area of your Pineville, NC, home or business has sustained fire damage, while other areas only have smoke or heat damage. The most common types of partial loss are burnt or charred building materials or contents, heat-damage or smoke damage. If the building is still structurally sound it can still be classed as a partial loss. A total loss is a situation in which the property damage is so extensive the entire building has burned down or is no longer structurally sound. 

In a partial loss, restoration is still an option. This will involve cleaning and restoring the building. Even if part of the structure needs to be rebuilt, as long as the remaining sections of the building remain structurally sound, this would be classed as a partial loss. 

Fire damage in your Charlotte, NC, home or business will likely damage some contents. Getting a professional inspection can help with your claim settlement. The assessment should include fire, heat and smoke damage. The best situation is when the insurance policy covers the entire replacement cost of the item, rather than the value with depreciation. 

If you have experienced a partial fire loss, cleanup and restoration experts will help assess the damage. Oftentimes fire damage can appear more minor than it actually is. An experienced fire restoration company like SERVPRO of South Mecklenburg County can inspect and identify the extent of the loss and assist with the property insurance claim. 

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