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6 Tips for Dealing with Insurance Companies after a Fire

It’s never easy to think clearly after a catastrophic event such as a fire. Long cherished items are damaged or destroyed, loved ones may be injured or worse and lives are turned upside down by one of nature’s most formidable forces. However, as a company that handles fire damage repair we can assure you that insurance companies do think clearly in the aftermath of such life altering events. That is their business. They have the advantage of dealing with tragedies on a daily basis. We work with insurance companies all the time and can tell you that it is best to have a level head when communicating with them after a fire. Here are some tips for dealing with your insurance company in the aftermath of a fire.

  • File your claim right away: File your claim as soon as possible after a fire. This is a requirement of most insurance companies and it prevents you from being placed on a waiting list of policy holders who have pending fire insurance claims.
  • Call someone to inspect and make a damage assessment: Be sure to hire reliable professionals to assess any damage. We accurately assess fire damage. House fires can be complicated and leave unseen damage such as smoke damage and residual water stains.
  • Provide them with all the basic information: Make sure that the information you give your insurance company is clear, precise and accurate. Information to provide includes: Date of loss, type of loss or damage, Location of damage, any related injuries, others involved, the condition of your home, a description of damaged items and their value and a copy of the police/fire fire
  • Make a list of everything you’ve lost and do not throw anything away: It may seem tedious but it is critical that you make a list of everything that was lost in the fire and to retrieve any receipts you may still have for said items.
  • Continue to pay your insurance premiums: You do not want your insurance discontinued in the aftermath of a fire. Continue to pay your premiums even if the financial costs may be burdensome at the time.
  • Anticipate claims negotiations: Insurance companies typically expert that policy holders may differ in their estimate of damages. In order to buffer your case, consider hiring a public adjuster. You can find one at the National Association of Public Insurance Adjusters’ website.

In short, a necessary first step to regaining control of your life after a disaster is dealing promptly and intelligently with your insurance company. After all, they are there specifically to help you in the event of a disaster either natural or man made. We can also help you put your life back on track by offering you fire damage restoration services.

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Newbury Park, CA 91320
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