What Do You Need To Make a Fire Claim?

2/10/2022 (Permalink)

What Are The Requirements For Filing A Fire Claim?

Accidental fires are covered perils in most homeowners insurance policies. It is not difficult to file a claim to cover fire restoration costs, which can cost up to $40,000. Here are three things that can streamline the filing process.

1. Homeowners Insurance Coverage

It is only possible to file a claim if a residence is currently covered by a homeowners insurance policy. It is advisable to review the policy and check limits prior to making a claim. If a fire only resulted in minor damage, it may be worth paying out of pocket to avoid a premium hike. Determine whether you want to file a claim prior to notifying an insurer about damage. Some companies require agents to report any information they receive.

2. Proof of Damage

An adjuster will need to see evidence of damage. Take plenty of photos or record videos before taking any steps toward mitigation. Try not to touch anything and spread out towels or sheets over the path you plan to take to avoid grinding soot into flooring. It can be helpful to provide footage of the same parts of a home prior to the fire. Adjusters will also make a home visit to inspect damage firsthand.

3. A Fire Restoration Estimate

An estimate of restoration costs is another helpful piece of information. Insurance companies prefer to work with certified restoration professionals who have extensive experience. An all-in-one damage mitigation and restoration company may be able to provide a more complete estimate including fire and smoke cleaning as well as rebuilding.

Insurance may be more likely to cover fire restoration if a homeowner thoroughly documents damage and pursues timely mitigation. Contact a damage mitigation company that provides board-up services to limit losses and secondary damage. All of these measures can make it easier to file a fire insurance claim for a residence in Delray Beach, FL