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Do you have a question about your homeowners insurance claim? Give us a call and we’d be happy to talk to you about your situation.
4 Things You Should Do When Handling a Fire Claim
When you’re dealing with a fire in your home, the most important thing is to remain calm. We’ve spent the past 25+ years helping homeowners just like you with their fire insurance claims, and we’ve put together the following fire claim tips to help you.
CONTACT THE FIRE AUTHORITIES
Whether you are dealing with a small kitchen fire or a more devastating fire, you should almost always contact your local fire authorities. Take care to heed their advice and do not enter your home until it has been deemed safe. Your insurance provider requires you to take “reasonable care” of your property in the event of damage and calling in the authorities will prove that you did not sit idly by while the fire was happening.
MITIGATE THE DAMAGE TO THE BEST OF YOUR ABILITY
Secure your property and do everything you can to mitigate the damage. Unless your home is a complete loss, you have an obligation to your insurance provider to prevent unnecessary damage. This can mean covering holes in your roof, snuffing out burning embers, boarding up your walls to prevent pests and relocating your undamaged belongings.
CALL YOUR INSURANCE COMPANY AS SOON AS POSSIBLE BUT NEVER RUSH INTO A SETTLEMENT
Never rush into an insurance settlement. If you feel you are being pressed to settle for an amount that is insufficient to cover your damages, we suggest learning more about the claims process. You may also benefit from speaking with other homeowners who have filed fire damage claims in the past. These people are often able to share their own fire claim tips and experiences.
Remember, the fire insurance claims process can be lengthy, so make sure you keep paying your insurance premiums throughout the process.
LET YOUR INSURANCE PROVIDER KNOW IF YOU’VE MOVED
Our last fire claim tip is to alert the provider of your temporary address in the event of a move. It’s possible that your belongings could sustain additional damage after you relocate. If this is the case, your provider may deny additional claims based on lack of notification.
Fire damage insurance claims can leave you feeling lost, stressed, and unsure of how to proceed with your insurance company. Luckily, a dedicated public adjuster can help simplify the process. A public adjuster is an individual who evaluates the damage to your home, and then helps you understand the entitlements of your policy. A public adjuster represents you and protects your interests – NOT the interests of the insurance company. If you have any questions about the fire insurance claims process, give us a call! We are always willing to talk to you about your situation at absolutely no cost to you.