5 Things To Keep In Mind When Filing a Fire Claim

12/22/2020 (Permalink)

House fire in Krum, TX

5 Things To Keep In Mind When Filing a Fire Claim

Fire restoration is the act of repairing and cleaning property, but it occurs in stages and adds up. Homeowners in Krum, TX, must face the fact that returning to normal is going to take work and a significant financial investment. Residents with property insurance may file a claim, seeking compensation to assist in the repairs. The process, while extremely beneficial, requires organization and clear communication; therefore, it's best to keep in mind the following five tips when exploring this option.

1. Leave the Place Alone
Your fire insurance policy could be refused if you are found to further hurt the structure or land. It's best to leave the place as is until professionals can inspect the premises.

2. Protect the Residence
Fire restoration begins with safeguards. The conflagration most likely created holes that now expose the home to both trespassers and environmental hazards. These must be tended to immediately. A fire remediation company has the ability to board up the walls and tarp the roof. This should keep wind, animals and rain from further hurting the building.

3. Mitigate Secondary Damage
Firefighters used hoses to stop the blaze. While helpful, it also increased humidity levels. Allowing this to linger is problematic, possibly allowing bacteria and mold to grow. Before smoke cleaning and rebuilding can take place, the specialists should examine the area for moisture complications, drying out the space completely. Tear out may occur if contamination has occurred.

4. Document the Destruction
Evidence is vital to verify your request for aid. Take video or photographs of the devastation. This includes personal belongings. Make an itemized list, detailing the cost of the replacement.

5. Prepare for the Adjuster
The agency sends out someone to look over the situation. This usually happens after protective measures and before construction. Be present for this visit, walking around the property together. Discuss your concerns, and point out things that could be overlooked.
Fire restoration is the process of rehabilitating a home. Insurance companies often assist during this time. Be patient. Work with your agent to provide the information required to approve the claim.