How to File a Fire Damage Claim

When a fire takes place, it can leave you feeling overwhelmed, stressed, and lost. It can seriously damage your commercial or residential property, hinder business operations, and cause monetary losses. While all of this is incredibly unfortunate, it is necessary to think of the future and start moving on from the tragedy. And the first step to getting back on your feet is to file a fire damage claim with your insurance company.

In the article below, we will walk you through the process of filing a fire damage claim, explaining each step thoroughly. We will help you avoid common fire damage claim mistakes and ensure your claim goes through smoothly and successfully.

If you want to learn more about the steps to filing a fire damage claim, the experts at Claims Adjusters can help. Serving homeowners and business owners throughout Missouri, Kansas, Illinois, Florida, and Texas, contact us to learn more about our insurance adjuster services.

Steps that a Home or Business Owner Should Follow When Filing a Fire Damage Claim

Step 1: Ensure Everyone's Safety and Document All the Damages

Before you start with the fire damage claim, you must ensure the safety of your family, employees, and others involved. Once the safety of you and others is secured, it is time to start the claims process. Document all the damages as soon as it is safe to enter the property. It is also necessary to take some photos and videos to show exactly how much damage the fire caused.

Step 2: Inform Your Insurance Company ASAP

Once you have analyzed the damages, immediately call your insurance company to start the insurance claims process (link to A Guide to the Insurance Claims Process page). When calling the insurance company, make sure to have your policy number, the date and time of the fire, and an outline of the fire damage claim readily available.

Step 3: Consider Hiring a Public Adjuster for Help with Your Fire Damage Claim

Hiring a public adjuster is one of the most critical steps in filing a fire damage claim. They are highly experienced insurance professionals with the expertise to handle the paperwork and details of the claim process. They know how to negotiate with the insurance company to get you the best possible settlement.

Step 4: Work with Your Adjuster to Gather Proof of Loss

Once you hire a public adjuster, work with them to put together a thorough proof of loss statement. This document should include a list of all the damages that have occurred on your property due to the fire. Include a full account of all the personal items that were damaged by the fire, along with their value and the cost of replacing them. Submit the proof of loss to your insurance company by their deadline.

Step 5: Cooperate with Your Insurance Company

Your insurance company will also assign its own adjuster to look into your claim. As a policyholder, you must cooperate fully by giving them any requested paperwork, evidence, or extra information. Be sure to answer any questions they have and keep your public adjuster in the loop throughout the process.

Need Professional Assistance with Filing Your Fire Damage Claim? Contact Claim Adjusters to Hire the Best Independent Claim Adjuster

While filing a claim can be a lengthy and daunting task, it is necessary to get your business or property back on track. Hiring an insurance adjuster is a great way to simplify the process and get the most out of your claim. If you want to hire an experienced public adjuster in Missouri, Texas, Illinois, Florida, Kansas, or other states, contact Claims Adjusters today.