How To Deal With Insurance After a Fire

After a fire, the last thing you want to deal with is an insurance adjuster. With the loss of belongings, your house, and in many cases, your sense of safety, having to deal with insurance is one of the last burdens you want to deal with. However, knowing how to properly file a claim and make a record of all your losses can help you get back on your feet and back into your home.

When filing a fire claim, there are a few things to do to ensure you get the most from your insurance provider.

Ask For an Advance
If you are forced to evacuate due to a fire, then you probably forgot to grab essentials like clothing or toiletries, and many belongings were possibly completely lost by the fire. If this is the case, contact your insurance provider and ask for someone to bring a check to wherever you are staying. This advance should be practical and just enough to cover essentials until you are able to get back on your feet. This advance will be deducted form the final amount you receive from the insurance company.

Secure Your Property
It is important to take steps that minimize further harm to your property. This includes simple steps like covering your roof where there is damage in order to prevent leaks, turning off your water, etc. Your insurance will cover these damages once the claim has been filed and assessed, but until then, it is your job to protect your belongings. Board up your property if you must leave to prevent vandalism and looting. Even if you are staying elsewhere, have someone go by your home regularly to insure there is nothing you need to be concerned about.

Make a List of Everything Lost
It might take some time and reflection, but as soon as possible, you want to write down everything that was lost in the fire. Everything should be included and written down before your file your insurance claim. Make sure you don’t throw away any damaged or destroyed items, and take pictures of as many things as you can to better help your insurance adjuster. If you throw something away, the insurance company may refuse to compensate you.

File Your Claim ASAP
Once you have taken account of all of your loss, file your claim. Call your insurance provider immediately to get a form to fill out. You will need to provide as much information as possible including date of loss, type of loss or damage, location of damage, related injuries, others involved, condition of the home, description of all damaged contents, whether temporary repairs are necessary, and records of a police report. Put as much detail as possible to give your insurance company a good reading of the state of your home.

Keep Track of Expenses
While you are away from home, make sure you keep note of how much you spend on hotel stays, food, essentials and more. Your insurance policy should include a “loss of use” clause that reimburses you for expenses you suffer during times like this. Make sure to keep a list of how much is spent and what it is spent on.

Document All Repairs
Once you begin estimating the cost of repairs, make sure any company you go to provides a written estimate, receipt, and documentation to give your insurance adjuster all the right information. Be picky when choosing contractors, and take time to find someone who is trustworthy and provides the best deal to work with your insurance.

Don’t Give Up
Insurance companies try to close fire insurance claims quickly. However, if you do not feel like they have fully served you in the way agreed upon in your insurance plan, then tell them. The longer a claim is open, the longer you are able to find things they need to reimburse you for.

9 Tips To Heat Your Home Safely

The winter cold is here and looks like it is here to stay. With the upcoming few months promising more chills and the potential for snow and ice, it is time to crank up the heat. Before you turn on your heater after months of rest, make sure you are heating your home safely with these simple tips.

Test Smoke Alarms
Before you add heat to your home, make sure your smoke detectors are working properly. Sometimes heaters can cause fires, and you need to make sure your alarms are ready to warn you if your family is in danger.

Turn off the Oven
While it might seem like a genius idea, do not use your oven to heat your home. This can cause the oven to catch fire, or someone in your home to unknowingly touch the hot surface.

Be Smart with Space Heaters
If you need to use a space heater, first make sure it is in proper working order. Look for any damage, faulty wires or unsafe sparks. Once it is on, make sure there is nothing within three feet of the heater.

Have Kid-Free Zones
If you have kids, make sure they don’t go anywhere near any heating equipment. Tell them they must stay at least three feet away from anything that produces heat like a space heater or furnace.

Trust the Pros
Have a professional come and look at all your heating equipment, handle repairs, and make sure your home can be safe and cozy.

Know Your Fuel
If your heat source uses fuel, then make sure you use the right kind. Read your user instructions to find out what your appliance is made for.

Clean Your Chimney
Before you light a cozy fire, make sure your chimney is clear of all debris. Hire a chimney sweep to know it is properly cleaned.

Cover Your Fireplace
Put a sturdy screen in front of your fireplace to ensure sparks do not fly at anyone, and that no one is too close to the flames.