11 Nov Things You Need to Do After a House Fire
You may think a house fire will never happen to you. But what if it does? Are you prepared?
Figuring out what to do after a home fire can be a very stressful and overwhelming process, and it can be hard to decide what to do first. With a little help from your insurance agent, though, you may be able to settle your claim more quickly and get your life back to normal.
Here are the six things you should do after a home fire.
1. Call your insurance agent immediately. You will be getting calls at all hours of the day from public adjusters and contractors who will try to offer you a deal on putting your house back together. These calls can create a lot of stress and confusion. I suggest you speak to no one but your agent to discuss your options at this point in the process.
2. Ask about restoration companies like Restoration Genie that can help with cleaning up soot, boarding up windows, and other construction. Immediately after a fire, especially if it is a minor one, you’ll need to clean up any soot or water damage. It is important to hire a reputable service to deal with these issues. Ask your agent or insurance adjuster to recommend a few different companies. They deal with these situations more often than you do and likely know of some businesses that fit your needs. Many of these restoration companies have connections to good contractors, engineers, and architects, as well.
3. Separate damaged property from undamaged property. The insurance company will need a detailed inventory list from you after they inspect the loss. Separating your damaged property from your undamaged property will make it easier for you to make a list of your damaged items. This list needs to include the date you purchased each item, the brand name, the price you paid, and the serial number, model, or description of each item. If the item was a gift, be sure to indicate that as well.
It’s a good idea to submit your receipts with this inventory list. If the receipts were destroyed in the fire, or you didn’t keep any receipts, request copies of prior bank statements. This can make obtaining duplicate receipts easier. Keep in mind that photos of any damaged items are always helpful if receipts are not available.
4. Save undamaged property from further destruction. Any items that are not damaged should be put in a safe place, even if it means putting them in storage. Insurance adjusters are typically fair when it comes to adding additional costs for storage.
5. Cooperate fully with the insurance company’s investigation. When a fire claim is reported to an insurance company, it is given top priority. Usually the adjusters come out to see the loss within 24 to 48 hours. To help settle your claim in a timely manner and to your satisfaction, be sure you are available and on time for all meetings, that you return calls promptly, that any requested paperwork is completed as quickly as possible, and that you contact the company or your agent immediately with any questions.
6. Find somewhere to stay if you can’t live in your home. Most homeowners policies include “Loss of Use or Loss of Rents” coverage, which will pay for the food, clothing, and shelter that you and your family may need for a specified period of time. Keep in mind that your policy will pay for “like kind and quality” living arrangements.
If you still have any questions about what’s the next step to make, call Restoration Genie at 661-8029241
additional source credit:equifax.com