What To Do If Your Home Is Hit With Fire Damage
In states like California, it’s especially
important make sure that your homeowner’s insurance covers you for fire damage.
The fires in California and states alike can be devastating for homes and
families. Not only are you forced to evacuate, grabbing all of your most prized
possessions, money, and family heirlooms, but also you have to leave not
knowing if you’ll ever return to your home as you know it. During such an
emotional time, having to trust your insurance accompany to be fair with your
claim is just another burden. If there’s one thing that people have learned
from dealing with insurance companies and fire damage, it’s that these large
scale fires cause insurance companies to take short cuts when it comes to your
payout. When there’s a lot of damage done in an area, insurance companies are
forced to make giant payouts all at once. With that being said, they’ll attempt
to find ways in which they can save their company some money. You’re better off
hiring a Chinese
Public Adjuster to act as the middle man between you and your
insurance company as well as trust to make sure you’re paid fairly for the
damages your home has encountered. To make the entire process easier, there is
a list of things you can do before, during, and after filing your claim.
Document
everything you’ve lost
When you return to your home, make sure
that you take pictures and videos of the scene. While it might be
heartbreaking, you’re going to need evidence of all of your lost assets. Gather
your family together in order to make a list of the things that were lost or
destroyed in the fire. If there are still remains of assets like your TV,
laptops, jewelry, etc., make sure you hold on to them. If you throw them out,
it becomes harder to prove that you had them in the first place.
Don’t
wait when filing your insurance claim
The sooner you file a claim with your
insurance company, ideally the sooner you’ll have your house fixed and your
family living a normal life again. It’s important that you call your insurance
agent as soon as you can, especially if there were many other homes impacted
around you. You’re going to have to submit your proof of loss/damage, so gather
your list and thoughts before making the call, but don’t wait too long.
According to Top
Ten Tips for Filing Fire
Insurance Claims by FindLaw, this
is a list of the information you should have in front of you when making your
claim:
- · The date of the loss/damage
- · The type of loss/damage
- · The location of the damage
- · Injuries related to the incident
- · Other people involved in the incident
- · The current condition of the home
- · A lengthy description of the damage done
- · The repairs necessary to get the home back to normal
- · A police report
Keep
all documents and records
Filing insurance claims can be stressful
and tedious. If you’re handling it alone, be prepared to spend hours on the
phone, days going back and forth via email, and keeping track of countless
letters and documents. Make sure you keep every piece of paper regarding the
claim and organize them in a folder or a binder. You should also jot down notes
during meetings or phone calls and keep track of the names of the people you’re
talking to at your insurance company. By law, insurance companies cannot drag
their feet when it comes to filing your claim. In order to keep the process
moving, you need to make sure that you are giving them all of the information
they need for your case effectively. This means you need to double check that
you information is accurate and whole. California in particular has a law that
states insurance companies need to mail a “notice of intentions” no later than
30 days after the insurance claim is initially filed. As long as there are no
hiccups (faulty information, delays on your part), they’re also required to
make the payment during that time. If they fail to do so, you can always
threaten to bring the state into the case, this should encourage them to get
you your money quickly.
Don’t
stop paying your insurance premiums
For some reason, many people stop paying
their insurance premiums once they’ve filed their claim with their insurance
company. While it might make no difference when it comes to the payout you’re
going to receive for the fire damage, stopping payments opens you up to
liability charges and pet damage. Remember that homeowner’s insurance protects
you from the off chance that someone gets hurt on your property. It also
protects you from damages that your pet causes. Do your best to continue the
payments.
Make
sure your property is safe
Even though you had no control over your
property being damaged, it’s still your responsibility to make sure your
property is safe. If your entire home is burned down, there’s not much to
protect, but if only half of your home is damaged, you need to work to makes
sure that doesn’t impact the part of your home that isn’t damaged. The
insurance companies will call this “mitigating damage”, and is crucial to your
claim.
Hire
a public adjuster
This isn’t a requirement when it comes to
filing an insurance claim, but it’s definitely for your own benefit. A public
adjuster can leverage their knowledge in the insurance and constructions
industries to meet your insurance company somewhere in the middle. Their job is
to maximize your settlement, which can be significantly more than you would
receive without them. They do take a percentage of the final settlement, but
even with that, you could take home much more money than you would have on your
own.
Filing an insurance claim and dealing with
agents isn’t the first thing on anyone’s to-do list, but sometimes its part of
life. Make the process easier by following these tips, and remember there’s no
harm in asking for some help.