If you've experienced a house fire, Fire Loss Response is here to assist you. Here are some tips for how to maximize the amount of your house fire claim.
1. Locate Your Insurance Policies and Report Your Loss
Ensure you have a current copy of your homeowners insurance policy. If it was lost in the fire, request a certified copy from your insurer promptly. Notify them about your loss as soon as possible.
2. Request an Advance
Requesting an advance from your insurance company can cover immediate expenses resulting from the fire. This includes funds for cleanup, temporary repairs like tarping the roof to prevent further damage, securing the property, temporary housing, and daily expenses.
3. Document Your Lost/Damaged Items
This step is crucial for maximizing your house fire insurance claim. Review any Proof of Loss forms sent by your insurance agent. Avoid signing anything that suggests your initial submission covers the full claim amount. Take time to inventory every item lost or damaged.
4. Seek Assistance from Friends and Family
Enlist trusted individuals such as friends, family, neighbors, bankers, accountants, or attorneys to help document the value of your lost/damaged items. Include photos and detailed descriptions whenever possible. Keep records and receipts of expenses incurred during the inventory process.
5. Get Professional Help Aligned with Your Goals
While your insurance company aims to minimize payouts, your goal is to maximize your claim benefits. Consider hiring a public adjuster who can navigate the complexities of the claim process on your behalf. They act as your advocate and ensure you receive fair compensation.
A house fire is stressful, but managing your insurance claim doesn't have to be. At Fire Loss Response, we provide fire insurance claim assistance to prioritize your needs and advocate for your financial interests. Your property is valuable, and we're here to help you receive the maximum claim amount possible.