What To Know When Filing an Insurance Fire Claim

As a homeowner or business owner, it’s important to be proactive in protecting your property against potential disasters. While fires may seem unlikely, the statistics show that they can strike at any time and cause devastating damage. That’s why taking steps to prepare for the worst-case scenario can go a long way when it’s time to file a fire insurance claim.

At 1800Adjusters™, we recommend a few proactive steps that property owners can take to protect their property before a fire occurs. First and foremost, it’s essential to regularly check your insurance policy and ensure it’s up to date. This is especially important if you’ve recently performed repairs or renovations on your property.

Secondly, when you purchase new insurance or obtain new items, take a video to document exactly what you have and save the video to the cloud. This will serve as visual proof of the specific make and model of your items, which will help you receive an accurate settlement in the event of a fire.

Lastly, regularly check, clean, and maintain areas of your property that can pose a fire risk. Having a regular maintenance plan and keeping corresponding records can help reduce the possibility of sustaining property damage losses.

Despite taking proactive measures, fires can still happen, leaving you unsure of what to do next. That’s why it’s essential to know the steps to take when filing a fire insurance claim. At 1800Adjusters™, we recommend the following tips for filing a fire insurance claim:

First and foremost, after a fire, the property owner is required to notify the insurance company as soon as possible. The first step after a fire should be to mitigate damage as soon as it’s safe to do so. Preventing further harm to your property will reduce the level of damage in the long run, while also protecting your insurance claim.

Documenting and assessing the damage is also crucial when filing a fire insurance claim. Preserve the evidence for experts to evaluate and take a video of your property following the fire. Measuring and documenting the damage from flames, smoke, and water is a painstaking, labor-intensive process. Therefore, it’s essential to have experts, including a licensed public adjuster, to evaluate the damage and create a loss estimate.

Assembling a team of experts to guide you through the recovery process is also important. This includes a licensed public adjuster who can advise you on your choices and help with item inventories, damage assessment, and negotiating your claim.

At 1800Adjusters™, we understand that your insurance company will likely want to settle your claim quickly, which may not be in your best interests. That’s why our adjusters represent only you, the policyholder. We are motivated to dig into a claim, find hidden damages, and determine your best possible settlement and restoration plan.

Smoke and water damage can often be the biggest challenges in a fire claim, as they can linger behind walls, under flooring, and in the ceiling, leading to compromised structures and potential mold growth. A certified public adjuster can properly assess these damages thoroughly and ensure smoke and water damage is properly cleaned or removed, then advocate for the settlement you’re entitled to receive based on your actual property damages.

CALL 1-800-Adjusters (1-800-235-8783)

Fires can cause devastating property loss, leaving homeowners and businesses unsure of what to do next. Taking proactive steps to protect your property and knowing the steps to take when filing a fire insurance claim can help you prepare for the worst-case scenario. At 1800Adjusters™, we have a team of expert public adjusters who can help you navigate the insurance claims process and receive an optimal settlement. Contact us at 1-800-235-8783 to learn more.

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