No one wants to find out that their home or office has been destroyed or damaged by fire, but it can and does happen. The best-case scenario is that you have good insurance in place so that you're able to get the help that you need. If you're looking to use your homeowners' insurance to take care of this problem, you may be wondering what to expect. Keep reading to learn how to deal with the insurance process when you have a property with fire damage.
You Can Ask for an Advance
If the fire damage destroyed almost everything and you need to stay somewhere else, your basic living essentials may have also been destroyed. You'll need clothes, toiletries, and basic care needs to get by. It's a good idea to reach out to your insurance company to ask for an advance. They can write you a check to cover some of your basic needs as you recover and continue with your daily life. Be sure to only spend the money on things that you really need.
Document, Document, Document
You'll want to document as much as you can after the fire. Make note of anything and everything that was damaged. It's a good idea to do this as soon as you can so that you won't forget about things. It's also a good idea to keep damaged items for a bit. Don't rush to throw anything away in case you need to show proof of damage. A fire damage insurance claims adjuster will need this info to determine how much they will pay for the loss and damage.
Contact Your Homeowners' Insurance Right Away
You'll want to make a claim as soon as you can. The process can be lengthy and it can involve a lot of calls, emails, and visits to your property. The sooner you get started, the quicker you'll be able to move on with your life.
Protect Your Property
Your insurance company will want you to take care to avoid further damage. This means you'll need to protect your property as well as you can. That may include taking out the undamaged property and moving it out of the home for the time being, boarding up windows and doors, and making sure all embers are smoldered.
Having a homeowners' insurance policy can help you protect you in the event of a house or property fire. If you have any questions about your policy coverage, or if you want to purchase homeowners' insurance, reach out to an agent.
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