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Fire & Water - Cleanup & Restoration

3 Tips for Filing a Homeowners Fire Insurance Claim

12/14/2020 (Permalink)

Damaged walls after a kitchen grease fire Kitchen fire damage

Three Tips On Filling A Claim As Efficiently As Possible

Undergoing a fire in your Erie, CO, home is an undeniably harrowing ordeal. In order to negate any further pain, knowing how to make a fire insurance claim is essential. Here are three tips for filing such a claim as efficiently as possible.

1. Document the Damage
Receiving any help with fire restoration requires thorough documentation of the damage. Make a detailed list for your providers that can help the process go faster. These are some items to include:

  • Everything damaged
  • Ability to repair affected possessions
  • Prices for damaged items
  • Overall state of the home

If you're able to safely walk through your property, take pictures of every impairment you can find. If not, you should still take pictures of the outside just in case. This visual proof helps to give credence to your claim.

2. Understand Your Insurance
Using your insurance effectively calls for an understanding of how it works. Fortunately, most policies cover a vast majority of fire restoration costs. Some even provide funds for hotel bills and replacement shopping. Do research on your policy and discover how best to use it. Know what the next steps are in the filing process. Be sure to check if your state has any policies as well. In general, as long as you didn't knowingly cause the fire, you should be covered in some way.

3. Be Sure the Adjuster is Thorough
Insurance companies tend to send adjusters to damaged property. These individuals examine the validity of your claim and the extent of the harm, thus determining how much money you may receive for fire restoration. Unfortunately, not all adjusters are completely thorough. Because of this, it's essential to ensure that this inspection covers every potential issue. Give the adjuster your list of everything affected. Try to make sure that each one is checked. If this is a particular concern of yours, you can hire an outside inspector.
Quick and decisive action is paramount after a fire. In order to receive treatment like smoke cleaning, you'll need to get your insurance to fund restoration experts. If you stay thorough, your home may be back to normal soon enough.

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