Written by Rasadul

April 8, 2022

A Fire Damage Insurance Claim Can Be Hard to Handle

A house fire can be devastating emotionally for a family. The damage to the house, loss of personal possessions and disruption caused by the fire can be overwhelming. However, depending on the amount of damage to your home, you probably will be filing a claim with your homeowners’ insurance company. Your initial thought: how do you handle a fire damage insurance claim?

Home Fire Insurance Claims

You should report the fire to your insurance company as soon as possible so you can begin the insurance claim process (most insurance companies have 24/7 phone lines for claim reporting). For instance, the insurance company may recommend a fire restoration company to you. These companies are experts in removing soot, ash and other smoke residues from homes after a fire. Moreover, they have specialized cleaning equipment to clean up soot and ash. In addition, they have personal protective devices for the clean-up; soot and ash can be harmful.Therefore, you should not attempt to remove soot from your walls, countertops, etc. In fact, soot and ash can lead to asthma and other respiratory illnesses.

Take Pictures and Don’t Throw Anything Away

Take pictures of all the damages to your home. For instance, property damage, smoke damage, water damage, damage to personal belonging, fire-damaged items-get pictures of them all. 

Additionally, try and save damaged items such as furniture, electronics and appliances until the insurance adjuster comes to your home to inspect your damaged property.

However, if the restoration company or another contractor is removing damaged items, take pictures of those items before they are removed.

How to Deal with the Insurance Adjuster After a House Fire

Hopefully, the insurance adjuster will get to your home within a day or two after you report the fire. Stay with him as he assesses the damage to your home. Moreover, make detailed notes of what he inspected. Smoke may have drifted throughout your home. Consequently, make sure he inspects your attic, your HVAC system and other areas of your home where the smoke went.

What Documents Are Required for a Fire Insurance Claim?  

Of course, you will want to provide the insurance company with photos of the damaged areas. In addition, you should give them receipts for any temporary repairs contractors did.

When filing a fire damage claim, your damages include additional living expenses you incurred because of the fire. For example, if you must move out while your home is being repaired, save the receipts or hotels and meals. Similarly, if you had to buy clothing to replace damaged clothing, save those receipts.

Do you have an inventory of your personal belongings? This would include appliances, jewelry, electronics, artwork and antiques. Fire damage to all those items would be covered under your homeowners’ insurance policy (up to the policy limits).

Indeed, it would be nice to have an inventory of personal belongings already in hand to give the insurance company. However, most people do not. Therefore, they will have to prepare one to support their claim as to damaged personal belongings.

Read Your Insurance Policy

If you never did, read your insurance policy after you file the fire damage claim. For instance, if the fire damage is extensive, the cost to repair or replace your home may be larger than the policy limits. In that case, the insurance company would declare your claim a total loss. As a result, they would send you a check in the amount of the policy limits. 

Does your policy provide replacement cost or actual cash value (ACV) coverage for your personal belongings? That could be a big difference. For instance, you may have purchased a refrigerator five years ago. However, that refrigerator has depreciated over the five years. Consequently, that refrigerator may only be worth $500 today.

Therefore, if your policy only provides ACV coverage, you will only get $500 to replace your refrigerator.

If You Need a Public Adjuster for a Fire Damage Insurance Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

You have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your fire damage insurance claim value. Equally important, with over 50 years of combined experience as insurance adjusters, we know insurance companies and understand where they cut corners.

Moreover, we help you build a larger fire damage claim and maximize your claim value. Indeed, we get you back to normal fast.

Lastly, don’t get fooled. Get the company that gets you more.

Does Insurance Cover a Fire Damage Claim?

You bet it does. At AllCity, we have handled hundreds of fire insurance claims.

Therefore, if you have received a low-ball offer from the insurance company, or they are taking too long to process your fire damage claim or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

public adjusting call support

Real Support When You Need It!

Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now