Having your home damaged in a fire can be devastating, even if your family and pets were unharmed. The next step is filing a fire damage claim with your homeowner's insurance, which can be a daunting and frustrating process. Here are some things to keep in mind as you work with your insurance company on a fire damage claim.
1. Ask for an Advance on Your Claim
More often than not, a family is totally displaced after a fire. Even when the home and some possessions are not completely burned up, smoke damage can render clothes, furniture, electronics, and the home itself unusable. Families will often have to purchase new clothing and essentials and will have to stay in a hotel or other accommodations while their claim is being filed. These costs can add up, so be sure to ask your insurance adjuster if there's a possibility for an advance on your claim.
2. List Everything That Was Damaged in the Fire
You'll need to obtain a list of everything that was damaged by fire or smoke. You'll also want to get an approximate value for these items. For example, list all of your furniture, clothing, jewelry, appliances, electronics, and anything else in your home of value that you lost. You can work with an experienced insurance claims attorney to obtain the approximate value of each of the items on your list.
3. Obtain a Copy of Your Homeowner's Insurance Policy
Often, people have homeowner's insurance for so long without having to make a claim that they forget what is and isn't covered under their policy. When you file your claim, ask your insurance adjuster to provide you with a detailed copy of your policy. Go over your policy with a lawyer to determine what may or may not be covered in your claim. If the insurance company comes back with a denial of certain things that were covered, it may be a sign that your insurance company is acting in bad faith.
Contact the Law Offices of John D. Ameen, P.A.
At the Law Offices of John D. Ameen, P.A., we have the skills and experience with insurance claims
to help you get the most after a devastating incident like a fire. Call today for a consultation at (954) 763-4950.