Tips for Making a Fire Claim
How to File A Fire Claim
A fire in your home in Northern Idaho can leave you with a million things to do running through your mind. The fire restoration process is fairly straightforward, but you want to make sure to do everything in the right order so that you get the most money you can when you file your insurance claim. Here are some tips for how to handle the process well.
1. Make Your Calls
One of the first things you should do is make some calls. Obviously, the company that carries your fire insurance needs to know about the damage to your home. It is also advisable to call fire remediation specialists. You are also not required to use your Fire Department's suggested mitigation Company. It is best to consult with your insurance agent or adjuster on who they recommend. The sooner they can arrive on the scene, the better, particularly if you need emergency cleanup to prevent secondary damage. They can also help you itemize costs, which may be helpful when filing your claim.
2. Secure Your Home
The insurance adjuster will likely check to make sure you have taken the correct measures to protect your home from further damage. After all, the more damage your house sustains, the more it costs to fix it. If you do not board up windows and doors, or if you leave holes in your roof or skylights open, the insurance company may not cover part of the damages as this looks like neglect of the property.
3. Leave Damage Alone
It may seem counterintuitive to delay the beginning of the fire restoration process until professional help arrives, but that's exactly what you need to do. Any smoke cleaning you do may cause more damage. If it doesn't, it can still hurt your chances of getting a full settlement, because the insurance company is not going to pay for damage the adjuster doesn't see. No damage remediation should begin until the entire area has been photographed and documented.
A large part of filing a claim is knowing how to prove the damage. By following these three tips, you can increase the likelihood of getting a settlement with your insurance company that covers most, if not all, of the fire restoration services you require.