Fire Damage Restoration Process Blog 2

2/19/2019 (Permalink)

Ash Debris

Call in your claim promptly to your insurance company but understand that you may face some frustrating situations. You may believe that because you’ve just had a major loss, you know your insurance agent, and you pay your premiums on time, that your insurance company will give you a top dollar amount right off the bat. It’s important to remember that insurance companies are a business and their goal is to be profitable. This means when you file a claim, don’t be surprised if the offer you first receive is lower than what you anticipated. That’s because their goal is to restore you to preloss condition. Their goal isn’t for you to profit from the tragedy. If you aren’t satisfied with the first offer, it is okay to push back. You pay your premiums. It’s the insurance company’s job to restore you to your preloss condition. You may feel fearful that your premiums will then increase, but it is still your responsibility to make sure their claims are paid in full.

To do so you can show receipts of your different items, warranties, owner’s manuals, appraisals, and boxes. It may be useful for you to provide a list of all the items that were damaged in the fire by listing it room-by-room. You can request to see if your claim covers temporary housing while your home is under renovation. You won’t be entitled to any wages lost during the time of the tragedy.

After you’ve filed your claim, it’s important to then call a fire damage restoration company fast. Most likely your insurance company will have a list of companies they recommend; otherwise, they will encourage you to seek your own.