This is the last thing you expected and you’ve most likely never had to deal with it before. Figuring out what to do after you’ve had a fire that caused damage to your home can seem like a very overwhelming and stressful situation. We have come up with some helpful tips you can do after a house fire in order to help get your life back to normal.
It can be overwhelming receiving calls left and right from adjusters and contractors who are offering to help put your home back together. Instead of becoming overwhelmed and confused from all these calls, contact your insurance agent to see if you are covered and discuss what options you may have.
After a fire, you will have to deal with cleaning up any soot or water damage. It is important to find a trustworthy company who can get the job done. You may be able to find some local restoration companies on your own through the internet or phone book, or you can ask your insurance agent to recommend some companies. Your insurance company deals with situations like these a lot more often than you do and will probably know of some companies that will fit your needs. Some restoration companies will be even more helpful and help deal with your insurance company in order to make the process easier for you.
3. Separate Damaged/Undamaged Property
You will need to go through your things in order to make an inventory list for insurance reasons. This will help the insurance company figure out the value of your loss. Typically, your list of damaged items needs to be as detailed as possible. This means including information about the damaged item such as; purchase date, brand name, price paid and the serial number, model, or description of the item. While it may not be possible, include your receipts for these items as well. If the receipts were destroyed or you don’t keep receipts you can always request statements from your bank. Taking photos of the damaged items can also be helpful.
When a fire claim is reported to the insurance company, it is given priority. Typically you will have an insurance adjuster come to check out the loss within 48 hours. To make the process go smoothly make sure you complete any requested paper work as quickly as you can, return calls promptly, and show up for meetings. These things will help insure you are satisfied and your claim is settled as quickly as possible. If you have any questions throughout this process you should contact your insurance company or your agent. As mentioned before, some restoration companies will deal directly with your insurance company/agent for you and that will help the process be less overwhelming.
If you aren’t able to live in your home after the fire, make sure you look into your options of where you can stay. Many homeowner’s policies will include “Loss of Use or Loss of Rents” which is a coverage that will pay for the food, clothing and shelter that you and your family may need for a certain time frame. If you don’t have this coverage, look into options such as staying with relatives, friends, or at cheap hotels.
If you ever have a disaster like a fire happen to your home make sure you find the right restoration company to help restore your home so you can get back to living your normal life as soon as possible. Feel free to comment or email us with any other tips you may have for dealing with a house fire.