How to File a Homeowners Claim

A fire at your home can cause a great deal of damage, which means you will need to file a claim with your insurance company. Here are a few homeowners who claim tips on how to do so successfully.

1. Call Emergency Services

As soon as your family is safe, your first call should be to the fire department. Swift response is the key to minimizing total damage.

2. Hire Damage Mitigation Specialists

No matter how quickly the fire is put out, it is going to leave behind the smoke, soot, and water damage. Call a local remediation company to assess the problem and start repairs as soon as possible.

3. Document the Damage

Once you are cleared by the fire chief to enter your home, survey the damage. Start a list of damages and take pictures or video to back up your claim.

4. Contact Your Insurance Company

When you call your insurance provider, an assessor will be sent to look at the property. His or her report, combined with your notes and the estimate from the remediation company, is used to verify your claim and get you the compensation you need.

After a fire, there are a few immediate actions you need to take. Use this checklist to get the money you need to get your home back to normal quickly.