Fires cause great damage and always disrupt your life no matter how mild or how severe they are. Losing your belongings to the fire is devastating. Losing your home is catastrophic. You will have to handle unexpected renovations and upkeep expenses as you try to recover from the fire. This is when your homeowner’s insurance comes in handy.
If you file your fire damage claims well, you will get a satisfactory compensation that can help you get back on your feet as soon as possible. Here are some things you should do to ensure that you get the right compensation from your fire damage insurance claim:
File an Advance against Your Claim
Sometimes, the fire might have damaged everything and you’re in dire need of essentials like toiletries and clothes for work or school. Call your insurance and request a modest check to help cover your immediate basic needs.
This, in most cases, will not only help you lead a basic life as you wait for your compensation, but also be proof that you need the best compensation possible. Remember to be frugal with the money since your insurer will audit how you used it.
Create a List of Everything You Lost
After your insurance inspects the damaged property, supplement the information with a list of everything you lost during the fire. This will be a combined effort from everyone in the family to ensure that you get everything right. Keep damaged parts or semi-burnt objects as evidence when the insurance adjuster comes knocking. Never throw away or clean up before you’re sure the inspection was as thorough as it ought to be.
All this will be useless if you did not notify your insurance agency of the fire as soon as possible. Actually, it would be safer to notify them about the fire within the first 24 hours before following that up with a proof of loss document within three days. Prompt action will always help you get your claim processed faster.