4 Steps To File a Fire Claim

12/13/2021 (Permalink)

Fire damage in a home in Plymouth Meeting, PA.

Filing a Claim After a Fire

An insurance claim can cover most fire restoration expenses. Throughout the filing process, it is crucial to document damage to the best of your ability and remain in contact with your insurer. Follow these four steps to file a claim after a fire at a residence in Plymouth Meeting, PA.

1. Notify Your Insurance Agent

Contact your insurer immediately after a fire. Your agent should arrange for an appointment with an adjuster. There is no reason to wait until this meeting takes place to start documenting damage and pursuing mitigation. Be sure to keep a list of representatives you speak with and make an extra copy of any documents you submit.

2. Document the Damage

It is important to obtain footage of primary damage before taking measures to limit secondary damage. Take photographs or record videos of fire damage. You may also want to contact a fire restoration firm to obtain an estimate. Footage that captures the condition of your home prior to the fire can strengthen your claim.

3. Take Mitigation Measures

Once you have finished documenting, it is time to start mitigating damage. This may involve boarding up broken windows, damaged doors, and any holes in the walls of the structure. It is also a good idea to tarp over a damaged roof. You may want to rely on professionals to do this work.

4. Meet With an Adjuster

When an adjuster visits your home, you should provide documentation of damage and allow this representative of your insurance provider to inspect the premises. After this home visit, you should prepare to file proof of loss and complete the filing process.

Filing a fire insurance claim can cover the costs associated with damage mitigation and restoration at a residence in Plymouth Meeting, PA. After you take all of these steps, it is advisable to pursue fire restoration and smoke cleaning immediately.