If you are a homeowner, suffering a fire is a devastating situation to go through. The overwhelming task of cleanup is daunting enough, but there is also the complexity and time-consuming process of the insurance claim and dealing with the insurance loss adjuster.
Here’s a list of things you should consider after a fire loss to your home;
Have Your Insurance Policy Handy
If you have already reported the claim, you are entitled to a copy of your entire policy with all forms and endorsements. These are all critical docs we will need to review your file.
Review your insurance policy to see if you have adequate cover for Buildings, contents, and alternative accommodation.
The most important coverage after a fire is generally emergency alternative accommodation for you and your loved ones. Alternative accommodation coverage provides payment for temporary housing if your home is not liveable (such as hotels and short-term housing during the period of reinstatement ).
For buildings and contents coverage, you want to know what are the sums insured, policy wordings and definitions policy limits, exclusions, warranties, endorsements, policy extensions and all of the other policy conditions. This will determine what you are entitled to include in your claim for presentation to your insurance loss adjuster.
Fire, Smoke, Soot
Many homes have variable methods of construction, and it can be challenging to assess precisely and identify how the building reacts to fire damage, smoke and soot. Most of our housing stock will have some form of building cavities, stud walls, dry-linings, suspended timber floors and voids. The presence of voids may allow the pressurised smoke and soot to find its way behind the walls and travel through the open framing and in behind fitted cupboards and attic spaces. Some insurance companies may not be familiar with the particulars construction, and it’s up to you to educate your insurance company of the exact method of construction and determine the correct remediation for your building type.
If you are not experienced in assessing the loss, you may try to clean walls, floors, fitted furniture etc and cause more damage, prolonging the reinstatement period and potentially prejudicing your claim/policy position. In fact, the walls/floors/ceilings/fitted furniture may have to be removed in order to clean and deodorise, as the soot may lurk behind the closed construction.
With any damage claim, you must take a ton of pictures and videos throughout the process. This is very important as it relates to personal property and buildings damages as you have to show the insurance company physical damages by water, fire or soot and prove why the items should be replaced. In addition, ICS are the only claims management company in ROI to offer a 3D Virtual Walkthrough service to our clients on large and complex losses. This helps us compile more comprehensive, accurate and complete claims read more here…. https://insuranceclaimsolutions.ie/general/3d-virtual-technology-property-claim/
You will have to inventory all of the personal property damages as the insurance company will want a detailed spreadsheet that has the quantity, description, cost to replace (today’s value, not when you bought it), and age (for depreciation purposes). This may seem overwhelming, but Insurance claim solutions specialise in detailed inventories so that you don’t have to deal with ANY spreadsheets and sift through damaged debris.
The Real Value of a Public Loss Assessor
There are many more tips, but we believe the above tips are the basic ones for a homeowner to quickly understand the initial phases of understanding how insurance claims are handled.
Don’t worry; you don’t have to face the chaos of recovery or insurance claims alone. One call to Insurance Claim Solutions and we handle the whole process so that you don’t have to!
Did you know, we do not charge any fees unless we recover insurance funds on your behalf. We offer no-obligation, free claim reviews. Contact us today to get the help you deserve! Even if you already contacted the insurance company, it’s not too late.