From house fires to wildfires, the dangers and damages of a fire can come when homeowners least expect. The only way a homeowner can be prepared for these unpredictable circumstances is with insurance. Homeowner’s insurance covers fire and smoke damages.
Even the damages of a minor fire can be expensive and create time-consuming repairs. On the other hand, major fires can completely transform your life. With the right homeowner’s insurance, you can rebuild and recover after a fire and reduce the amount of money coming out of your pocket.
If you are in the greater Bristol community and find yourself preparing for the unexpected by searching for a local fire insurance claims adjuster, look no further than Property Adjustment Corporation. When in need, we will assist you in finding fire damage professionals to clean and secure your home. In the meantime, Property Adjustment Corporation will ensure you, your family, and your pets are all safe and comfortable while rebuilding your home. We will protect your salvageable belongings and guide you through every step of the journey.
Steps to Take When Filing a Fire Damage Claim
What should you do after a house fire? How should you properly file a fire damage claim? While dealing with a house fire, you may feel extremely overwhelmed. There are seven crucial steps to follow when filing a claim.
- File a Home Insurance Claim.
No matter the size of your fire, you must fill out a home insurance claim as soon as possible. The faster you fill it out, the faster you will receive your claim payments. You will also have to provide proof of the fire to your insurance company. They will send you an adjuster to survey the damages and decide on your claim’s payout.
- Document Any Losses
Take pictures and videos of your home to record any personal belongings that were damaged or destroyed. This can also count as proof during the home insurance claim process.
- Secure Your Property
After documenting any damages or destruction to your belongings, be sure to secure your property from potential theft or vandalism. If the fire was contained in one room, board up that area of your home to prevent any more damages from occurring. If the fire was so large you have to temporarily move out, secure any damages with plywood or other coverings.
- Meet With Your Adjuster
When it comes time for your insurance adjuster to come to your home and inspect any damages, be home to meet them. Together you can go over everything from the destructions to the maximums and deductibles.
- Verify Your Home Insurance Coverage
When you are a victim of a house fire, you must know your maximums and deductibles of coverages A, C, and D of your homeowner’s insurance policy. This is a crucial part of the process as it helps pay for housing, storage, food, etc.
- Get Multiple Repair Estimates
Whether you need to repair or rebuild, it is always best to seek multiple estimates and opinions from different companies. This will ensure you are getting quality estimates and work for a fair price.
- Ask for an Advance on the Claim
As if dealing with a home fire is not enough, you still have to pay your mortgage each month and now for an additional rental property. There is no harm in asking your insurance company for an advance on the claim. It can help ease the burden and struggles you are dealing with.
Why Choose Property Adjustment Corporation?
If you are in the Bristol area, then Property Adjustment Corporation can be the public insurance adjusters for you! Save yourself time and the struggle of handling your claim by yourself. We are available to assist you with every aspect of the claim process!
