What to do after a fire.

4/6/2021 (Permalink)

Home Fire

A home fire can be one of the most devastating events to occur in the life of a homeowner. 

 It is likely you have lost a tremendous amount of personal belongings and have suffered a substantial amount of mental anguish.

These are a few tips to follow:

Review your policy

You may have replacement coverage for your home, but it may only be for “actual cash value” for your lost personal items. Upon contacting your insurance company, the agent should be able to tell you about this and may suggest purchasing an endorsement to ensure that your personal belongings will, in fact be covered under a replacement policy.

Immediately File Your Claim.

All homeowner policies require that you report the damage as soon as possible. Your first step is to submit a “proof of loss” claim to your agent. This document will consist of an itemized list your losses how old the items were and the value of each item. The longer you put off this step, the longer it will take your insurance company to send an adjuster to address your claim.

Record Your Living Expenses

All homeowner’s policies contain a “loss of use” clause which entitles the insured to be reimbursed for additional living expenses incurred while their home is uninhabitable. Be mindful that these expenses only include additional living expenses, meaning the difference between your normal expenses and what it is costing your while you are kept from your home. Find out what your daily budget is.

Fire damage remediation is a long process, and navigating your insurance can prove to be difficult without the correct knowledge. Regardless of if you have experienced a small kitchen fire or a complete burn down, you will need an experienced restoration company to help assess the damage. SERVPRO of South Rancho Cucamonga is ready when fire strikes, 24/7

Call as at (909) 758-0189