After a fire, homeowners must file a damages claim so they can clean up and start rebuilding. Because fires can be devastating, homeowners can make costly mistakes during and after processing fire insurance claims. In most cases, a fire claims adjuster will evaluate their property and make a claim, but it is sometimes overlooked on the first claim. One thing she should note is that the homeowner has three years to amend an existing closed claim after the insurance company mails the check and closes the fire claim. . This can be done if it turns out that the damage has not been assessed correctly. Here are some helpful tips to ensure you get the right settlement for your fire insurance claim.
Document damage to your home or other building
Take the time to inspect and document the damage yourself. Unless the house is a total loss, be sure to take pictures of the damaged rooms. Try to take big pictures and close-ups. Get an overview before entering a room, hallway, or closet. This way it helps you organize your photos and sort out which photo belongs to which room. For example, look at your living room as a whole, then look down at the walls, ceiling, doors, and floor.
Document content damage
The next step is to go back into each room and closet and see what’s inside. For items damaged in the fire, such as clothing, shoes, furniture, paintings, etc., be sure to show the damage in photos.Yes, this requires many photos, but document them all to get a proper accounting. must be converted. Create a list of all corrupted content. After listing and taking pictures of the damaged items, look around the room again to make sure you haven’t missed anything. Create an inventory list with attached photos of each room.
Check your insurance policy
Yes, insurance policies can be tricky to understand, but it’s worth taking the time to review the police basics, such as paying to stay in a hotel, before making a fire safety claim.
When you file a fire claim, a fire claims adjuster will cover the location of the fire and make a unique claim. Don’t give us the original photo and inventory claim sheet, give us a copy. This allows for faster billing.