Fire Claims : Tips For Filing An Insurance Claim

After suffering a fire the homeowner will need to do file a claim for property damages so they can clean up and start to rebuild. Fire are devastating and sometimes homeowner will make a costly mistake during and after the settlement of their fire claims. Mostl will let a fire cla adjustor come survey their property and make the claim but there can be things that are miss during initial claim. One thing to note is that afyer insurance company sends you a check and closes the fire claims the homeowner has three years to add thr existing closed claim. This can be done if it is found that the damages were mot assessed correctly.

To help make sure that you get the right settlement for your claims, here some tips for you :


Document the damage to your home other buildings

Take the time to inspect and document all of the damage yourself, if home is not a total loss make sure that you take picture of the damaged rooms. Try to tale overviews and some  close-up photos before you enter the room, hall, or closer take an overview. By doing this it will help you to organize your pictures and which onez belong to which room for example, with the livinv room take an overview then go from top to buttom of the walls ceiling, doors and the floor.

Document damage to your contents

The next step is to go back to each room and closet to inventory your contents, for everythimg that is damage including clothes, shoes, furniture, painting, etc that have been damage by the fire making sure to show tge damage on the picture. Yes, this is going to take a lot of pictures but everything needs to be documented in order to get the right settlement. Make a list of all contents that have been damage. Once you have listed the damage items and have to make sure that you have not missed anything. Make an inventory liat for each room wiyh the pictures attached.

Review your insurance policy

Yes,, insurance policies are hard to understand but before diling fire claims you should take the time review your police basics such as how much coverage is on your personal belongings, how much coverage you have on your home and how much will the policy pay for you to stay in a hotel.

Read to Type of insurances that important for you are

Once you do fire claims the fire claims adjuster will cover to the site of the fire and start their own claims. Do not give them the original photos and inventory claim sheet but a copy. This will help them expedite the claim.

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