Fire insurance claims that we don’t know how to start but a must need to do if the situation worsens. There are a lot of reasons why our house is very susceptible to fire damage. For instance, if a person who cooks for us, forgot to remove the pot lid holder near the stove. It can lead to a bigger fire and we can’t stop that from happening because that is an accident. As well as, thrown lit cigarette butts, lightning strikes, faulty electrical wiring, and faulty electrical equipment. That we are too busy to notice, flammable liquids, unattended stoves, unattended matchstick, that your kids may feel curious about, and play with it. This can all lead to a massive fire that can burn your house down into ashes.
Here’s the list of what you need to do to file a fire insurance claim.
Record the damage in a detailed list
The most important thing to do after the fire service department left your vicinity, is to document all the damages. Take pictures and videos of the damages all throughout your home. And make a list of your things, that are damages are due to fire or smoke. Significantly, you report however much the damage is, so you can confirm it to your insurance agent. The more verification you have of the damage, the simpler it will be for your case to get acknowledged by your insurer. On the off chance that your house is perilous or still unsafe after the fire. Record as many as you can without risking your life into danger.
Safeguard your undamaged belongings from further damage
Prolonged exposures in smoke or minimal fire could increase the chances of more severe damages. The fire could spread very quickly throughout the entire vicinity, so even the fire has been stopped by the fire service department. It doesn’t end there. Even the small material that has been lit by the fire could still be a cause of a big fire. As well as the smoke that is coming from the materials that have been burned could still cause a big problem. So it is important to get the things that can still be usable before the fire destroy it further. But do not risk your life into danger.
Compute for living expenses
Fire usually leaves homes unfit to live in, forcing the homeowners to stay at a hotel or relatives until the restoration is complete. If you are in need to leave your house because it’s not advisable to live in temporarily. The insurer will provide for your living expenses or insurance, in other terms the loss of use. It will pay for your hotel expenses, toiletries, and food. You can ask your insurer for the advance payment or either list the prices and the things you provide for yourself. Take note that the insurer will only cover the basic necessities, it will only cover your food, hotel, clothes, and toiletries.
File the fire insurance claims
After you had recorded all the damages in a detailed list. Safeguard your undamaged belongings from further damages, and compute for your living expenses and found a house as your temporary shelter. You can now file a claim to your insurer. Consider calling your insurer then they will file a report to their company, and they will give you full information on what you’re going to do next. The insurer will conduct a survey to get the whole information for the processing of the cost to restore your damaged property.
Call a restoration professional for an estimate
Restoration professionals are the most reliable individuals in this line of industry. They are the ones to be called in case there are damages in your home and need estimation and restoration. These professionals have plenty of experience dealing with fire damaged homes that your insurer may neglect to look into. Now that your insurance company has filed your fire insurance claims. You can now call a restoration professional to start the restoration of your place. Which comes from the agreed estimate between the restoration professional and your insurer.
Reminder: most insurance companies is the one that will provide and call a restoration professional for you.
There are sets of limits that can be covered under the homeowners insurance policy coverage. Home insurance policy is a must need insurance. It covers medical payments, covers repair or replacement of the damages to dwelling due to named perils, can reimburse in an actual cash value basis or replacement cost basis to your belongings damages, liability coverage and additional living expenses.
Homeowners Insurance Policy Coverage
This covers the damaged dwelling of your home. Including, the shed and any attached and unattached structures (but inside your real premises) to your home. The insurer will provide for the repair and replacement to the insured’s home, only if the damage was due to acceptable named-perils. Including fire, windstorm/hail, sprinkler leakage, vandalism, volcanic eruptions, etc. This coverage has a basis. and that is on what kind of home you have and what limit of the policy the insured purchase.
You must purchase insurance coverage that is equal to at least 80% of your home’s replacement cost, for the insurer to cover all the cost of repair to your damaged home minus the deductible. The higher the limit the lesser the deductible. This means the higher the premium you purchased the lesser you will pay for the cost of the damages in your home.
It covers the damages to your personal property that is on your policy. This will cover if the loss is due to theft and named perils only. This coverage can reimburse you by replacement cost value minus depreciation or actual cash value basis. Every policy has certain limits to cover the said property. So if possible get higher coverage and limits to better protect all your personal belongings.
This coverage provides legal assistance if the person you or your family caused harm into, file a lawsuit against you. And in some instances, if your pet is liable for someone’s injury. Therefore, you are liable to compensate that person. The insurer will pay for the cost of the medical payment, and legal assistance depends on the limit of the policy the insured purchased. For further damage assistance, you must consider purchasing an additional Personal Umbrella policy, this will cover all the losses that are beyond the set limit of homeowner’s policy liability coverage. Furthermore, it only costs 300 dollars a year extra in your premium.
Medical Payments Coverage
Covers the cost of the treatment for the injury of the person, regardless of who is at fault. And this can also prevent the person from filing a lawsuit against the homeowner.
Additional Living Expenses
The insurer will provide living expenses if the insured house your living at gets damages by acceptable named perils only. And provided that the authorities supervise you to lawfully leave the house to prevent any further damages and injury. The insurer will provide for your basic living needs and only provides for your clothing, toiletries, food, and hotel expenses. There is no limit on insurer providing for additional living expenses until the house of the insurance owner has been repaired.
Fire insurance for business is a must need to purchase by business owners. Every now and then, businesses are very susceptible to fire damages. Because a lot of employees are using the facility. As well as, without giving proper attention to their surroundings, they tend to neglect safety precautions. According to the National Fire Protection Association. Every 24 seconds of the life of every fire department volunteers and employees around the United States, respond to a fire that causes infrastructure damages, and worse, injury and death of people. Here in Fire Insurance California, we can help you decrease the cost of any damages through our protection. Which comes from different companies around the United States. We are in deep sorry every time we hear and see news of houses and buildings burning down to ashes. Here we will help you find what is best for your needs.
This insurance will cover your commercial property. These include your company’s physical assets and anything that is inside and outside of it. Including buildings, machinery, exterior designs, and important documents. This will be cover if due to some named perils only, like damage due to fire, lightning, theft, and vandalism. Other perils like floods and earthquakes are usually excluded on all insurances but can be supplemental to your coverage. However, this kind of insurance has a higher premium and deductible rate. For an example of earthquake insurance, it takes for mostly or over 18% of the deductible rate, on every damage. But this insurance is very helpful because every damage to your home and building can cover by your insurance company.
Commercial property insurance works and pays insurance owners through an actual cash value basis and replacement cost basis minus the depreciation. But most insurance pays the insurance owner through an actual cash value basis. By way of illustration, suppose that you currently have a 5-year-old building and the replacement cost of your building is $4,000,000 and it depreciated for $300,000. The actual cash value of your building is $3,700 000. The depreciation is determined by the value of the asset on time, and due to wear and tear or damage that is normally occurred due to aging. If the protection of your building is an actual cash value basis and your building collapse to the ground the insurer will only pay for 3.7 million dollars. And you will pay for the remaining 3 hundred thousand dollars for you to rebuild the building.
You might as well want to purchase
Business Owner’s Policy
This typically covers business owners against property damage, business interruption, and liability.
General Liability Insurance
This will help you with the cost of legal liabilities that file against your company. This includes lawyer fees, that will defend you against covered claims. Furthermore, against third party claims or anyone that is outside your company people. Expenses that will cost you to treat that third party person. As well as, for the medications of the customer that is put in danger because of your company’s product. To illustrate further, suppose that you are owning a company that produces soy into different parts of your city. And a batch of soy that you had been sent was expired, and you didn’t notice it. Also, some consumers experienced a stomach ache after consuming the expired soy and file a legal lawsuit after your company. And connected to that, it is your legal responsibility to pay for their medical bills. This can be cover under General Liability Insurance.
This will cover your worker’s injury inside the company. This insurance can also cover for the lost wages of your workers. Because by law you are reliable for whatever happens to your employee inside your company premises. And that means paying them their missed wages, while they are on their recovery period. And worse that no one would want to happen is the death of the employee. This insurance can also pay for the cost of funeral expenses. Also connected to that it will also cover you from legal responsibilities. If the family of your employee wants to file a legal case against you. Since this kind of insurance has a law that prevents your employee to file a lawsuit against you and your company.
Business Interruption Insurance
You can add this to your existing business property insurance coverage. This can help you with your lost profit if your building is unable to use it. And only if the damage is due to certain perils only. Considering, fire, explosion, lightning and other specific perils only. This covers the loss profit of your company or profits that you should have been earned after the disaster happens. The computation will be like this, the insurer will check your previous monthly financial statements. Before the said disaster happens.
Fire Insurance Suggestion to prevent fire disasters
Fire insurance is one of the main needs for any homeowner, but what is important more than ensuring your home from a fire disaster is preventing that disaster from happening. Fire insurance California hopes you never need to our insurance and just choose insurance for the safety of your mind. Also, it is very important to have fire insurance but we suggest you some preventing tip to see how to make your home secured from fire.
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from the fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because they may smolder for a long period before being discovered by sleeping residents and fire insurance California support you after any of these disasters.
Home fires are preventable. The following are simple steps that each of us can take to prevent a tragedy before need to use fire insurance services.
Stay in the kitchen when you are frying, grilling or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.
Wear short, close-fitting or tightly rolled sleeves when cooking.
Do not cook if you are sleepy, have been drinking alcohol or have taken a medicine that makes you drowsy.
Keep children away from cooking areas by enforcing a “kid-free zone” of 3 feet around the stove.
If you smoke, smoke outside. Most home fires caused by smoking materials start inside the home.
Make sure cigarettes and ashes are out. The cigarette needs to be completely stubbed out in some kind of ashtrays, such as a glass dish or a can filled with sand. Soak cigarette butts and ashes in water before throwing them away. Never toss hot cigarette butts or ashes in the trash can.
Check for cigarette butts indoors. Chairs and sofas catch on fire fast and burn fast, so don’t put ashtrays on them. If people have been smoking in the home, check for cigarettes under cushions.
Never smoke in a home where oxygen is used, even if it is turned off. Oxygen can be explosive and makes the fire burn hotter and faster.
Fireplaces and Woodstoves
Inspect and clean woodstove pipes and chimneys annually and check monthly for damage or obstructions.
Never burn trash, paper or green wood.
Use a fireplace screen heavy enough to stop rolling logs and big enough to cover the entire opening of the fireplace to catch flying sparks.
Make sure the fire is completely out before leaving the house or going to bed.
Store cooled ashes in a tightly sealed metal container outside the home.
Avoid Kitchen Fire with these Home Fire Safety Tips from Home Fire Insurance
Did you know that cooking fires are the most common causes of home fires and home fire injuries? Having a home fire insurance may help pay to repair or replace your home and its contents if they are damaged by fire.
Fire Insurance California prepared these safe cooking tips that can help you avoid fire in your kitchen.
Wear tight-fitting clothing that cannot drape over flames or into pans.
If you have long hair, tie it back.
Do not place oven mitts, hand towels or hot pads on or near the range.
When you are done cooking a meal, double-check to make sure that all appliances are turned off.
Unplug portable appliances when they are not in use.
When cooking on your range, turn on the vent hood fan to minimize any smoking.
If your gas range does not light on its own, be extremely careful when lighting it.
If The Event Of A Fire:
Turn off the gas or electrical appliance that is fueling the flames, if possible.
If the fire is in a pan on your range, cover the pan with its lid or a baking sheet. If this does not work, use a fire extinguisher or sprinkle baking soda on the pan.
If you are cooking with oil and it catches fire, DO NOT pour water on the flaming pan. This will make the fire worse.
Never place metal dishes or tin foil into the microwave, since it can cause sparking. If your microwave does spark without metal inside, turn it off and unplug it. Appliances that spark or give you shocks may be defective and in need of immediate repair.
Being mindful while you cook can go a long way to helping prevent kitchen fires. To make sure your home is protected from fire, talk to Fire Insurance California today at (844) 234-5600 to discuss your homeowners insurance needs!
Dwelling Fire Insurance Coverage Options in California
Dwelling Fire Coverage Options
If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism, and theft. If your primary residence is located on the rental or investment property, a homeowners insurance policy in California would cover you from many of the potential risks. But what if you live somewhere else? A California dwelling fire policy may be the type of coverage you need to insure your rental or investment property from damages.
Dwelling Fire Policy Basics
Despite the name, a dwelling fire policy in California can protect your properties from much more than just fire damage.
The coverage is very similar to a California homeowners policy, with one significant difference—a dwelling fire policy is created for a landlord that does not make the property his or her primary residence. If you need to insure a rental or investment property but not the personal property inside, a dwelling fire policy is a smart decision.
To be eligible for a dwelling fire policy, the property generally needs to be one of the following:
Single family home
One- to the four-person family dwelling
An older home worth $50,000 or less
Vacation, seasonal or second home
Differentiating the Dwelling Policy Types
Just like homeowners policies, there are several different types of dwelling fire coverage. DP-1 is known as the basic form, DP-2 is known as the broad form and DP-3 is known as the special form. Each provides a significantly different level of coverage.
DP-1: Basic Form
The basic form is a “named perils” policy (that is, the policy explicitly names what perils are covered) and covers losses due to:
Internal explosions, such as a stove or water heater
There are two optional endorsements available with DP-1 coverage:
Vandalism or malicious mischief (V&MM)
Extended coverage, which includes damages due to the following:
Hail or windstorms
Aircraft or vehicles
Dwelling Fire Coverage Option
Claims under a DP-1 policy are settled on an actual cash value (ACV) basis by default—however, you can sometimes opt for a replacement cost value (RCV) policy for an additional cost.
The DP-1 form is usually the form of choice for vacant homes or properties, and it may be the only option for these dwellings.
DP-2: Broad Form
The broad form is also a named perils policy and covers the same perils as the basic form, with certain additions:
Extended coverage and V&MM coverage are automatically included
Weight of ice and snow
Glass breakage (as long as the building was not vacant for 60 or more days before a loss)
Accidental discharge or overflow of water or steam (as long as the building was not vacant for 60 days before a loss)
Falling objects (such as trees)
Freezing of pipes
Collapse (due to decay, vermin or insect damage, or other perils)
Tearing apart, cracking, burning, bulging
Unlike the DP-1 form, the DP-2 form settles claims on a RCV basis.
Loss of rent coverage may be included with a DP-2 policy. If tenants are forced to move out while the landlord repairs the dwelling due to damage caused by a named peril, this coverage would reimburse the landlord for rent lost during the process.
DP-3: Special Form
The DP-3 form is the most comprehensive dwelling fire coverage available. It is an “open perils” or “all risk” policy, which means real property (dwelling and other structures) will be covered for all types of damage, except those exclusions named in the policy. However, damaged personal property (all the items inside the dwelling and other structures) is covered on a named perils basis.
DP-3 form exclusions vary, but will typically include some or all of the following:
Fire Insurance California believes that prevention is better than cure. We all want to avoid fire and we cannot do it unless we have a proper action plan. Protect yourself and your co-workers safe with these fire safety preparation and prevention.
Lower the Risks of Fire
There are some simple things you can do to prevent fires:
Always comply with regulations.
Obey “No Smoking” signs.
Dispose of cigarettes and matches in the proper receptacles after ensuring they are completely extinguished.
Watch for frayed electrical cords and overloaded circuits.
Dispose of flammable wastes and scraps by placing them in metal containers.
Always store combustible materials in a safe area. Fumes can travel a considerable distance and become ignited by a furnace, stove, electrical equipment or even a lit cigarette. If you need to dispose of flammable liquids, do not pour them down the drain. Educate yourself on the proper method of disposal.
If you have to burn wastepaper, make sure it doesn’t contain explosive materials, such as aerosol or paint.
Inspect Equipment Regularly
Proper maintenance procedures are important to fire safety. If you use electrical equipment or tools, inspect them regularly to make sure they are working correctly. Keep mechanical equipment properly lubricated to avoid excessive friction. Keep spark arrestors on exhaust systems.
Preparing for a Fire
Become familiar with the location and operation of firefighting equipment.
Learn where fire extinguishers are located and what types of fires they are to be used on.
Participate in periodic fire drills to practice fire response procedures.
Become familiar with the different types of alarms used in your workplace.
Establish an employee meeting place.
When a Fire Breaks Out
If the fire alarm rings, always treat it as a true emergency unless you are told ahead of time it is a drill. Just because you do not see smoke or flames does not mean a fire is not present.
Always use the stairs instead of the elevator.
If the room fills with smoke, stay low to the ground and get out as fast—but as safely—as you can.
Protect yourself, your business and your property before it’s too late. When you are ready to purchase home fire insurance in California, contact us at (844) 234-5600. Our friendly and knowledgeable staff can provide you multiple home insurance quotes from the best homeowners insurance companies in California.