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.