Losing your home or belongings to a fire is upsetting and distressing to levels unfathomable. But still, you need to move on with life and get settled with things as early as possible. Filing an Insurance claim is one of the first thing you need to do after a house fire. You may also work with a professional fire damage restoration service provider who will not only help you in restoration and cleanup but will also help you with filing your insurance claim.
It is a well known fact that insurance companies would follow their terms and conditions meticulously just to find a loophole in your claim so that they don’t have to pay up. To avoid such situation, you need to be completely well versed with the insurance claim procedure and all the terms and conditions of your policy well in advance so that when the need actually arises (unfortunately) you are well prepared and don’t do anything that may jeopardise your claim approval chances.
Here are some tips which will come handy to you, when required.
File for an advance against your final insurance claim
If you have to abandon your home under unavoidable circumstances, you can file for an advance from your insurance company to buy essentials you might not have been able to pack up while evacuating. Keep a check on your expenses and make sure you only spend on necessities.
File your claim at the earliest
File your claim as early as possible, it gets easier on both ends then. Keep a track of your communications with the insurance company and keep a copy of all required documents. Include all important required to file your claim to quicken the process.
Mitigate further damage
The insurance company expects you to take good care of your belongings or they can just deny compensation on the grounds of carelessness. Mitigate the damage to the best way possible and protect your belongings from further damage to ensure them that you aren’t at fault.
Make a list and don’t throw away thing just yet
Start making a list of things you’ve lost in the fire. You will require every home member’s output and this and can miss out on something, so its better you keep it prepared beforehand. Also, don’t throw away the damaged goods, the insurance agent might deny to compensate if you just throw them away.
Don’t close it immediately
Last but one of the most important points to take care of. Your insurance company will try to close your case as soon as possible. Don’t fall into the trap. House fire is a big thing and amidst the chaos you might just forget mentioning or claiming for some important thing damaged in the fire. So, do not close your claim just yet. To make sure, read and sign every document by the company very carefully. They aren’t going to be very open about it.