As fires become an increasing threat, insurance companies have been known to try to cut corners on fire insurance claims in an attempt to save money. This means that familiarizing yourself with how to file fire insurance claims is more important than ever. Losing your home and personal belongings to a fire is already a devastating experience. The last thing you want is your homeowners’ insurance company giving you a hard time regarding your claim.
Homeowners insurance typically helps cover your home and belongings. Most policies include coverages which may help pay to repair or replace your home and its contents if they are damaged by fire. Here are several important tips on filing your homeowners insurance to make sure you’re being compensated correctly.
Ask For an Advance
If you were forced to evacuate due to the dangerous conditions, you may not have grabbed essentials like toiletries or clothes. Some of these things may have even been completely lost in the fire. Don’t panic. Call your insurance company and ask that someone bring a check to wherever you’re staying. That way you can purchase necessities without having to wait for your ultimate insurance coverage.
Document All Losses
After the fire, take photos of the damage and make a list of items that were destroyed or are in need of repair. Include the amount you paid for the items and gather any receipts you can find.
File Your Claim As Soon As Possible
All policies require homeowners to report their loss as soon as is reasonably possible. You can comply by calling your agent or sending an email. After that, you’ll be asked to submit a “proof of loss claim,” in which you itemize your losses and list the value.
If you delay notifying your company, you may find yourself far down on the list when it comes time for the company to send an adjustor to deal with your claim.