Fire Destruction and Insurance

[Brandon Kamm]

We just had a fire at a tri-plex. Occurred in an occupied unit with no one home in that unit (no one hurt), fire has investigated and they believe they know the cause, but are not 100% certain. It does not appear that the property owner nor landlord were at fault, probably an accident. The damage is well into the five figures, a rough estimate would be between $60-$90,000. Could easily be more. The policy more than covers this amount. Have any of you dealt with insurance companies with an incident of this magnitude. What should be expected? Any help appreciated.