Residential Fire Damage: How To File Insurance And What To Do?
It can be physically and emotionally demanding to restore your home. But it is possible and worth the rewards of having your house back
Is It Safe To Live Inside A House With Smoke And Fire Damage?
Your insurance company should be your first line of defense if your house is set on fire. You should not enter the home until the fire marshal has given the all-clear and declared it safe.
Even though they seem out, fires can start over again and almost always hide the damage. You might find that your roof or floors are damaged and may fall while you’re still inside. Inhaling smoke or soot for long periods of time can pose health risks.
Will My Home Insurance Cover Damage To The House From A Fire?
Most homeowner’s policies cover the cost of food, shelter, and clothing for you and your family for a set period. You can contact your local disaster relief service, your church, or other family members to help you find safe accommodation while restoration work is underway.
Here’s an estimate for what to expect in terms of cost.
Size and fire damage restoration
Single-family homes after fire damage: Smoke and soot elimination, cleanup and deodorizing
Multiple rooms within a single-family house after fire damage: Remove burnt materials, clean up water, and eliminate odors.
Multiple rooms within a single-family house after fire damage: Chemical cleanup, odor removal, and water cleanup.
How do I file for insurance against fire damage to my home?
It doesn’t matter if the fire is small, large, or middle-sized, you must act fast to complete these seven critical steps.
- First, it is important to file a claim for home insurance as soon as your house has been damaged by a fire. You can file faster to receive your claim payment sooner, there is less room for damage to occur, and you can return to your normal life quicker.
- Your insurance company will require proof of damage to your home and personal belongings when you file a fire-damage claim. Your insurance company will also send an adjuster out to assess the damage and determine how much and when you may be paid. Request a quote.
- Documenting all of the damage caused by fire is the most important thing after you file a claim. Photographs and videos of your house and personal belongings should be taken.
- These photos and videos provide proof of the fire and can be used later to support your home insurance claim.
- You should immediately get receipts for any items that have been damaged or destroyed. Now is the best time to make a list of contents to use in the event you have to file a claim for home insurance.
- Documenting the damage done to your home and belongings, as well as any other valuable items on your property, is the next step. Secure the property so that thieves and vandals don’t cause further destruction, heartbreak, or damage.
- When you meet with an adjuster, make sure you document all that you discuss. You can ask about policy maximums, deductibles, loss of use coverage, and signed forms.
What should you NOT do after spotting fire damage inside your house?
- Do not wash carpets or walls
- Do not clean electrical appliances
- Do Not Turn on the Lights
- Do not touch items that have been soiled with soot
- Do not touch bare wires
What can we do to help?
Water Damage Near Me knows the devastating effects a residential fire can cause. Our public adjusters can represent you and get you the help that you need. We only care about your interests and not the insurance company’s. Our goal is to get the best possible homeowners’ insurance policy recovery.