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Fire & Water - Cleanup & Restoration

How To Make a Fire Claim

8/2/2019 (Permalink)

Board up home in Concord, MO

How To Make a Fire Claim

As fires become more of a threat, especially in states like California, fire insurance and homeowner’s insurance companies increasingly want to save money when paying out claims. So, it’s very important to follow all the rules laid out by your insurance policy to ensure they do not question your request in Concord, MO, and process your claim in a timely manner.

Call Your Insurance

It’s important that you file the claim immediately, so begin by calling your insurance agent so they can start the process. They will ask you to submit a “proof of loss claim” listing everything you have lost and the value. Details that may be needed include:

  • Date, location, and type of damage
  • Any injuries and other people involved
  • Condition of the home
  • Description of damaged items
  • Any required temporary repairs
  • Police report

It’s incredibly important to stay organized when dealing with your insurance provider. Keep all calls, emails, and other communications in one place, also including receipts, invoices, repair contracts, fire restoration estimates, etc. Be aware that each state has laws requiring insurance companies to act within a certain time frame to handle your case. Get in touch with the Department of Insurance if you have any issues getting a timely response.

Do Not Touch Damage

If your home has only been partially damaged, it’s important that it doesn’t become more damaged, but the physical integrity of that part of the home may be questionable. If you must move undamaged property away from that area, take extra precautions, or hire someone to do an inspection. Remember to keep the bill for the insurance company. While you might be tempted to start smoke cleaning, be confident you won’t cause further damage. A fire restoration company will have a variety of techniques and equipment to do a thorough job.

Board Up Services

Many insurance companies require you to have board-up services done, to guarantee that the property does not endure additional damage, such as from wind, rain, animals, vandals, or thieves. A fire restoration company will come in, assess the damage, and thoroughly seal the home up to the insurance company’s standards, giving you peace of mind that your claim will be processed without any issues.

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