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Fire & Water - Cleanup & Restoration

3 Tips for Filing a Fire Insurance Claim

7/12/2020 (Permalink)

A businessman pressing an Insurance Claim button on a transparent screen. Contact your insurance agent for assistance in filing your claim

3 Tips for Filing a Fire Insurance Claim

One of the first things you should do after suffering a fire loss is to file a fire claim with your insurance company. These three tips can help you get your claim started.

1. Document everything that was damaged or destroyed. Your insurance company will normally send an adjuster out to inspect your fire damage. However, it can be helpful to have documentation in case they miss something. Make a list of everything that was damaged or destroyed. If it is safe to enter the building, take photographs of the damaged items. Try to match the items on your list with any records you have of when the property was purchased and for how much.

2. Verify the identity of anyone who claims to work for your insurance company. Unfortunately, disasters can sometimes attract scammers who pretend to be representatives of your insurance company or contractors working for them. These scammers may seek to steal your property or accept payment for inspections or repairs that they have no intention of performing. Always ask to see a photo ID and if you have any doubts, verify the person's identity with the adjuster handling your fire claim before allowing the person access to your property.

3. File your claim as soon as possible. The faster your claim is processed, the sooner you will be able to begin the process of fire restoration. Additionally, the terms of your policy likely require you to promptly report claims. Delaying in reporting your claim may also lower the value of your claim, because disputes may arise over whether the damage was caused by the fire or caused by other events that occurred between the time of the fire and the time you reported the loss.
Filing your fire claim promptly and properly will speed up the process of cleaning and restoring your property to preloss condition. If you need assistance filing your claim, contact your insurance professional in Spaulding Square, CA.

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