A Complete Checklist for Filing Fire Damage Insurance Claims
March 11, 2022at6:00 AM
No one ever expects to be a victim of a home or structural fire. But the reality is that over 300,000 house fires occurred in the U.S. in 2020 alone, resulting in more than 8 billion dollars of property damage.
At Delaware Valley Public Adjusters, we’ve helped homeowners, businesses, and even government organizations navigate the complexities of devastating fire events.
So, we’ve put together a complete checklist for filing fire damage insurance claims. That way, if you ever find yourself navigating the process, you will be prepared.
Reach Out to Your Insurance Provider And a Public Adjuster
Should fire damage occur to either your home, business building, or organization’s facility, the very first step is to contact your insurance provider and file a claim.
Starting the claims process as quickly as possible is crucial for getting you back to normalcy in a timely manner.
You should know, however, that your insurance company will be sending their own adjuster, which means a big part of their job is to save the company time and money.
Public adjusters act as your advocate during the filing process, and strive to not only represent you during negotiations, they can also ensure you receive a payout that’s equivalent or more to your actual losses; not less.
The next step you should take is to document all of your losses to the best of your ability. While this step can feel overwhelming to complete, you want to take photos and videos of the area or property that was impacted by fire damage.
Furthermore, if you have any receipts or order confirmations stored in your email of items lost, you’ll want to gather those as well.
Then, compile a documented list of everything you believe to have been lost.
Your public adjuster will also take this step to ensure that the utmost thoroughness has been accomplished.
Secure The Property
In instances where the fire is contained to one area of your home or business, it should be a priority to place security measures around the location.
For example, if a fire was contained in your kitchen, it can be a good idea to board up any holes in your walls, windows that have broken, or other instances of exposure to outside elements.
Doing this helps ensure further damage is prevented, but also that your property is less vulnerable to thievery.
If your home has become uninhabitable or your business needs to close down for a period of time, securing the property can give you peace of mind knowing that you’re not leaving the space unprotected while away.
However, if you can, you should only take this measure after losses have been thoroughly documented by yourself, as well as a public adjuster.
Document Claims and Repair Estimates
After you’ve documented your losses, secured your property, and met with a public adjuster, you’ll want to begin documenting all the claims your insurance company provides, and any repair estimates you are given.
The reason for this is that insurance companies will often shoot for the most cost-effective solutions, and may sometimes alter the original claims they provide.
This is just one other reason why it’s necessary to have a public adjuster on your side.
Don’t Navigate Fire Damage Alone
Loss due to fire is devastating. But with Delaware Valley Public Adjusters, we can help you move through the process of filing insurance claims for fire damage quickly, with the most payout returned to you.
We offer 24-hour emergency service so that we can respond to any situation immediately. In large losses, we even use a 3D scanner to complete a virtual walkthrough of your property to guarantee no item is missed.