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Tips for Filing Fire Damage Insurance Claims

fire damage insurance claims in Florida

When the unthinkable happens, it’s time to start thinking about what to do next. Taking quick and decisive action when a fire has damaged your home will ensure you get the maximum claim amount in the most reasonable time frame.

Here are a few tips to help keep you on track, from the time the ashes settle to whenever the fire damage insurance claim is finally closed. Feeling overwhelmed? Consider hiring a public claims adjuster to help relieve some of the burdens.

Document Everything

Your first order of business always needs to be to document the loss. You can take photos and video of the damage right away. Remember to keep yourself safe, and take your pictures from outside if the firefighters have deemed the house unsafe. You’ll also want to make a list of everything you’ve lost and the values. Keep adding to the list as you think of things.

Protect What’s Left

If the fire only partially damaged your home, you may need to take steps to protect the rest of the house until the damage is fixed. The insurance company may not cover damage that was done after the fire, such as water damage from the hole in the roof, so you’ll need to take steps to protect the undamaged parts of your home.

Act Quickly to File Your Claim

It’s important to act quickly after your home has been damaged by fire, particularly if the fire damaged a lot of houses. Waiting too long will put you further down in the queue and could delay your claim. If you call the insurance company quickly, you can also ask for an advance on your claim to cover a hotel stay and other living costs if your home has been deemed uninhabitable.

Keep Your Claim Open

While you should act quickly to file your claim, that does not necessarily mean you should allow the insurance company to close your claim immediately. It’s in their best interests to do so before you can add on to the claim, but you can refuse to settle the claim until after the damage is repaired and some time has passed. It may take a while for you to realize everything you’ve lost.

Hire a Public Adjuster

Even when you know what has to be done, navigating the insurance claims process can be overwhelming, especially since the insurance company and their adjusters are not necessarily acting in your best interests. Hiring a public insurance adjuster can help by ensuring you have someone in your corner throughout the process. Call Rapid Public Adjusters today, and we will handle everything for you, maximizing your claim while minimizing your involvement.