Tips On What To Do After Fire Damage to Your Home

Fire Damage Insurance Claim Case Study - Bedroom damaged by fireIf 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.

Tips List. What to consider after a fire loss to your home;

  1. 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. 
  2. 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. 
  3. 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. 
  4. Photos
    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….
  5. Inventory
    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.

For immediate Expert help, call Trevor Kelly on 0863571713 

Link to fire damage claims page

Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

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Vincent Hanley
Vincent Hanley
13:59 22 Sep 22
I would be happy to recommend Trevor Kelly (Insurance Claim Solutions) in the event you need to make a claim on your household insurance. We recently had a serious leak in our hot water pipes and Trevor’s prompt attention was the essence of professionalism. It also took the hassle and stress out of dealing with the Insurance Company’s loss adjuster and with the pursuit of our claim. Couldn’t recommend him highly enough and would be very comfortable recommending him to family and friends.
Roger Kear
Roger Kear
10:59 04 Sep 22
The level of service that I received from Trevor Kelly was second to none. This was my first major claim with an Insurer and unsure of the process. Trevor took away all that worry. He was polite, reassuring, punctual and efficient. He dealt will all the details of the claim and completely took away all the hassle. If ever there was a service that I would recommend then it has to be Trevor Kelly. If anyone has the misfortune to make an insurance claim then the first call they should make should be to Trevor Kelly.
Eimear McBride
Eimear McBride
13:13 22 Aug 22
I would highly recommend Trevor's services. He guided me through the process from beginning to end, along with providing helpful advice along the way. He was responsive, efficient, practical and empathetic throughout.
Sherin Mathew
Sherin Mathew
16:42 18 Aug 22
Excellent service.....We went through a tough time and Trevor was there to support us... Proffessional and approachable.... Highly recommending.......
sheila hayes
sheila hayes
09:16 04 Aug 22
I used Trevor's company after I had a leak under my floor, he came recommended to me from leak detectors and the same day as I made the call Craig came out to inspect the damage and he handled everything from there on. I was very anxious as my insurance company had told me they would not cover the damage as I was causing it myself by having to dig up the floor to find the leak but Craig assured me it would be sorted. I am extremely happy with the settlement and the service from Insurance Claim Solutions. I would urge anyone in this position to contact them they take all the worries away.
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