How to File an Insurance Fire Damage Claim

Homeowner's insurance protects against fire damage.

Experiencing a fire can be a devastating ordeal. Fires are known to quickly spread through a property destroying anything and everything in their path. Though some items, such as personal memorabilia, can never be replaced, fire insurance is often purchased to rebuild a home and replace its contents. One should never own a home without purchasing adequate insurance coverage.

Instructions

1. Assess the damage as quickly as possible making any emergency repairs that need to be made to avoid further damage. Emergency repairs could include boarding up the property after the fire or installing a temporary fence around the damages to prevent vandalism. Remember to keep your receipts for emergency repairs as your insurance company will likely reimburse you for these.

2. Take photos of the damages. If possible take photos before and after any emergency repairs are made. Photos should include an overview of the property along with close-up pictures of specific damages; this will help substantiate your claim with the insurance company. Even though you have photos, do not get rid of any damaged property until the adjuster has had a chance to look at it.

3. Contact your insurance company immediately to report the claim. The quicker you call, the quicker an insurance adjuster will be assigned and your claim reviewed. This is especially important if it's no longer safe to reside in your home.

4. Ask your insurance agent about loss of use coverage. Most standard homeowner's policies automatically include some coverage for loss of use. Loss of use coverage will pay for a hotel or rental expenses if your house is no longer habitable. It will also pay for the increase in your food bill if you are forced to eat out more often.

5. Obtain quotes from at least two contractors or fire restoration companies. Two estimates will ensure you are not being charged a grossly inflated price, and one contractor often may find something the other missed.

6. Work with your insurance company to settle your claim as quickly and fairly as possible. This includes returning all phone calls and providing any documents that they have requested in a timely fashion.

Tips & Warnings

• Though a police report is not always required, insurance companies usually prefer that you file one.

References

• Insurance Information Institute: How to File an Insurance Claim