House Fire Recovery Steps

Don't wait to hire the first-response contractor.

Steps to recover from a house fire start immediately. Numerous hazards and responsibilities have to addressed. Help is available in recovering from a fire, but the owner has to set it in motion.

Initiate Fire Restoration

Call the insurance company; they probably have a 24-hour help line. Ask them for contact information for reputable fire restoration companies, and choose one as soon as possible. When the restoration begins, more care can be taken finding the best contractor. The house and property has to be protected, and work needs to begin on cleanup immediately.

Mortgage, Insurance and Financing

Let the bank that holds the mortgage know about the fire. The mortgage company will be involved until the house is restored. Find out what the insurance policies cover and get it in writing. Obtain the necessary forms to document fire damage and losses; the restoration contractor can help. Check with your bank about financing for additional costs that may arise.

Responsibilities

It's the owner's responsibility to secure the house against further damage and possible injury. Be aware of potential health hazards from the fire and materials and processes of the restoration work. Obtain bids for restoration work, and monitor progress of the work. Keep records of the fire damage and restoration for reference should any disputes arise.

References

• CMHC: What to Do After a Fire

Resources

• What Happens Now: Home Fire