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Fire & Water - Cleanup & Restoration

How Do I File a Claim After a Fire?

10/7/2022 (Permalink)

Fire damage in a hotel If your business has experienced fire call your insurance agent.

How Do I File a Claim After a Fire?

The first thing to do after your commercial building has been damaged by fire is to call your agent. If you can't reach the agent right away, call the insurance company directly and tell them what happened. Then, get out of the house as quickly as possible so that firefighters can do their jobs. You should document everything with photos and video—don't throw anything away until an adjuster has seen it. If possible, make temporary repairs yourself to prevent further damage under your insurance policy's cap on certain repairs. Be sure to save all receipts for reimbursement purposes!

Call your agent right away.

If you're not sure you can reach your home fire insurance agent, call the insurance company directly and ask how to file a claim. If you have a home fire insurance policy, contact your agent or the insurance company right away.

If you're not sure you can reach your agent, call the insurance company directly and ask how to file a claim.

If you're not sure you can reach your agent, call the insurance company directly and ask how to file a claim. The insurance company will be able to answer any questions you have about insurance in general, which may help you get in contact with your claims adjuster.

If the fire is small enough that it's contained within one room of your home, it's possible that only part of your property is damaged—and that should be covered by homeowners' or renters’ insurance. If this is the case and the damage isn't extensive enough for an adjuster to visit and assess, there's no need for you to file a claim right away.

Document everything with photos and video.

This step is crucial, especially if you’re going to be filing a claim. Take photos of all damage and show the condition of your room before you start repairs. If possible, take photos while moving around the room so that your camera shows not just one perspective but multiple angles of what's happened to your belongings.

As for the video: it's great if you have a smartphone or camera that allows you to shoot both stills and video at once (some do), but even if yours doesn't, don't worry about taking separate clips for each part; this is just as good if it shows how things looked before and after the fire took place.

Also, take pictures of receipts for damaged items—and make sure they're legible!

Keep a list of all damaged items, and make sure to include any receipts from the home that you can find among the rubble.

After a fire, it's important to keep a list of all damaged items. If you're able to find any receipts for replacement items, or for temporary repairs, record them as well.

You may need to show the adjuster what the item looked like before damage occurred, so take pictures or videos of everything in your home before you begin making repairs, even if only part of a room was damaged by fire.

In addition to documenting your belongings, you should also keep track of the value of each item. You can use an online valuation tool such as EstimateMD's helpful-ness guide (that's right) to determine how much items are worth based on their condition and the year they were made. 

Make temporary repairs yourself to prevent further damage. 

It's a good idea to make temporary repairs yourself to prevent further damage. Your insurance policy should cover these costs up to a cap. Be sure to save all receipts, however, because they will be required to receive reimbursement.

If you have experienced a fire, call your insurance agent immediately. If you're not sure if you can reach your agent, call the insurance company directly and ask how to file a claim. Document everything with photos and video. Keep a list of all damaged items, and make sure to include any receipts from the home that you are able to find among the rubble. Don't throw anything away until the adjuster has seen it. You may need to show them what it looked like before damage occurred so take pictures or videos of everything in your home before making repairs even if only part of the room was damaged by fire

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