Filing a fire insurance claim can be a confusing and time consuming process. Here are some things to consider when you are preparing to file your fire insurance claim.
1: Know your coverage
Get a replacement copy of your policy and declarations page as soon as possible. Check the stated dollar limits for your main coverage categories. You will be asked to provide a list of damaged contents. The easiest way to prepare for this is an annual video tape of your home. If you have a video like this or any other record of your possessions that were damaged or destroyed in the fire, add it to your insurance policy paperwork. Also, many insurance policies cover temporary housing or “loss of use coverage.” Make sure you save all of your receipts for living expenses after the loss of your home.
2. Call your Insurance Company
The first thing you should do after you know you have suffered a loss due to a fire is call your insurance company to notify them that your house burned. You will then need to file a claim. This typically includes: the date of loss, type of loss, location damage, any related injuries, others involved, condition of the home, description of damaged contents, whether or not temporary repairs are necessary and a police report.
3. Save yourself the headache and hire Reliable Reconstruction as your General Contractors
Reliable Reconstruction will handle all of the paperwork for your insurance claim. Our line-item estimate at the site of your fire will help to establish the scope of your loss and give an accurate picture of the rebuilding costs. Reliable Reconstruction has personal relationships with insurance adjusters and “speaks their language” so your claim can be expedited and your construction project started as soon as possible.
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