Priority Tasks When Filing an Insurance Claim After Fire Damage

Burning houseHouse fires are becoming a huge threat in areas of the world with abnormally long and persistent droughts. The damage caused by a conflagration can be devastating, and the loss may be too traumatic to comprehend.

Nevertheless, in the aftermath of a tragedy, one must keep a clear head and do what needs done to facilitate insurance damage claims.

Documenting the aftermath

The steps to complete restoration are too many, and although you may be too overwhelmed to comprehend, you must have the presence of mind to document the carnage. The obvious effects of the fire are easy enough to see, but there are hidden effects as well.

Fire damage is only one aspect. The soot is on the walls, and the smell of smoke is everywhere. Moreover, water damage becomes evident once firefighting efforts have ceased.

As soon as the vicinity is cleared and safe to explore, inspect the damage and document thoroughly and within the bounds of safety, of course. Also, you must secure the property to mitigate additional problems.

Making a list

To prepare proper fire damage claims, you must make a list of items lost in the fire. A comprehensive list is a must so you cannot delay making it. Ask every member of the household because you may neglect or forget something important.

There is no compensation for items thrown away during clean up and restoration efforts, so be watchful and meticulous.

Immediate action

If you expect the insurance company to respond as soon as possible, you must file the claim immediately. Comply with requirements and they will have no reason to delay processing. Proof of loss is one of the most important documents, which includes the items lost with their value.

You do not have to worry about that if you have already made a comprehensive list.

When you are unsure about something concerning the claim, call someone for help. A professional adjuster can give you good advice on the claim you are planning to submit.