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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Hilary Jordan
Hilary Jordan
17:38 16 May 22
From my first phone conversation with Trevor I felt very confident that I had chosen the right person to help us negotiate through the minefield that is making a claim through your home insurer. Trevor's colleague Craig visited our home and was very sympathetic to our situation after a burst mains pipe. He explained everything he was doing and then dealt with the loss adjustor from our insurance company reducing our stress. We were kept informed during the entire process and even though we were dealt a bit of a curve ball, Trevor negotiated the best result for us and we can't reccomend ICS enough. It was the best decision we could make. As an add-on we would urge anybody reading this review to look at and review your home insurance and protect yourself against underinsurance. Thank you Trevor & Craig
Helen Halpin
Helen Halpin
22:44 08 Feb 22
I can’t recommend Trevor highly enough. After a house fire in Jan 2022, we had no idea what to do next. Thankfully, Trevor was recommended to us, and despite it being a bank holiday, he called to the house and provided all the reassurance we needed at a difficult time. Trevor is exceptionally professional, took care of all the paperwork, navigated through the tricky process with the Insurance company and kept us updated every step of the way. 5* service.
Jo Crawley
Jo Crawley
12:08 08 Dec 21
Great service from Insurance Claim Solutions would highly recommend. Thanks again
Oliver Mitchell
Oliver Mitchell
10:09 02 Dec 21
Trevor came in after we'd already started the claim and realised it was a much bigger issue than we'd originally thought. He stepped in seamlessly and quickly and took over everything, which made our lives far easier. He kept open communication every step of the way and ensured that the whole process went smoothly for us. Would absolutely recommend Insurance claim solutions to anyone.
Eibhlin Ni Ghabhlain
Eibhlin Ni Ghabhlain
10:37 26 Nov 21
It was such a relief to hand over all details of the insurance claim to Trevor when I had a recent mains leak in my house. He more than lived up to the recommendations I had received about his work, efficient, professional, inspiring confidence that all was being dealt with correctly. Within a remarkably short time he had dealt with all details of claim and I’m very happy with what he achieved for me in terms of a settlement. Can highly recommend him!
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