How To Make a Fire Claim

6/15/2022 (Permalink)

Fire damage in Brentwood, MO.

Steps To File a Fire Claim

Fires can start from any number of sources, such as household appliances, electrical systems, candles, or lightning. Having a plan in place helps you manage the fire restoration process effectively.
In the aftermath of a fire, follow these steps to file a claim with your insurance company.

1. Contact Your Insurance Agent ASAP
The owner of a fire policy in Brentwood, MO, is expected to file the claim as soon as possible. You can call your insurance agent to get the process started. 

2. Understand Your Fire Insurance Policy
To ensure that the insurance company is holding up its end of the bargain, it is important for you to read the details of your policy. For example, different policies may have different coverage amounts for smoke cleaning. If you know exactly what you are entitled to as a policyholder, you will be able to proceed with confidence.  

3. Gather Important Information
Once you file the claim, the insurance company will ask you to complete a "proof of loss" document. This is where you list all of the lost items and their estimated value. Submitting this form quickly and accurately is crucial for expediting the overall claims process and making sure that the insurance company prioritizes your case. 

4. Keep Detailed Records
Remember that it is important to document everything. Take pictures of all instances of damage, and don't touch the damage. Keep records of every correspondence you have with the insurance company and the fire restoration company. 

5. Keep the Claim Open As Long As Needed
As the policyholder, you get to decide when to close the claim. It is common to find additional damage in the ensuing weeks after a fire. If further fire restoration services are required, it is important to keep the claim open.
If you know what to expect in the aftermath of a fire, you will be able to tackle the claims process effectively and allow your home to recover.