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Fire & Water - Cleanup & Restoration

44 - How To File an Insurance Claim After a Home Fire

10/17/2021 (Permalink)

Kitchen cabinet burned Kitchen damaged by fire in Stillwater, MN.

Fire Insurance Claim

Suffering a home fire in Stillwater, MN, can be emotionally devastating. You may have lost a lifetime’s worth of possessions and been forced out of your home. As difficult as this time is, it’s important you act quickly to ensure your insurance company pays for the fire restoration process. Follow these basic guidelines to file an insurance claim after a home fire.

1. Document the Damage

Your fire insurance provider will require proof of the damage to your home. Take photographs or videos of everything that was damaged. Don’t just focus on the areas directly affected by the fire. Smoke can cause damage throughout your house and you should document this so that you can be reimbursed for smoke cleaning. You should also try to make a list of everything you lost in the fire.

2. Call Your Provider

Contact your insurance provider as soon as possible. It can take as long as 15 days for a claims adjuster to arrive at your home to inspect the damage. The sooner you file your claim the sooner you can begin the fire restoration process.

If you need funds to pay for basic living expenses during this time, such as a hotel, food, or clothing, you can also request a cash advance from your provider. This comes out of your final settlement, so don’t splurge.

3. Secure Your Home

Your insurance company will only pay for damages caused by the fire, not by damages incurred after the fire. That means if the fire burned a hole in your roof and it rains, they won’t pay for water damage caused by the rain. Most companies specializing in fire damage restoration offer boarding and tarping services. They can secure your home to prevent any further damage.

4. Keep a Record of Your Communications

Filing an insurance claim in Stillwater, MN, can be a complicated and lengthy process. Keep careful records of all your phone calls, emails and meetings, including dates, times and the names of people you spoke with. If there is any dispute about payments for your fire restoration costs, these may come in handy.

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