No one expects to have a fire in their home, but when these events happen, every bit of forethought and preparation is guaranteed to pay off. You’ll be glad that you took the time to find a reputable insurance company, and to establish an effective, emergency evacuation plan. Whether looking for strategies to mitigate the problems caused by these events, or attempting to get back on your feet after major damage has already occurred, following are four tips that will make it infinitely easier to restore a sense of normalcy to both your home and your life.
1. Document Your Belongings And Their Value
One of the best ways to prepare for in-home disasters like fires is by carefully documenting all that you own. This is an essential step that should never be left to hindsight. Taking photos of your belongings while they’re still brand new and then retaining copies of your initial, purchase receipts will make it infinitely to argue for a fair settlement when negotiating with your insurer about a fire claim.
2. Get Help Right Away
As with all other forms of property damage, fire damage can spiral out of control if not dealt with in a timely fashion. Soot, ash and other debris from these events can be surprisingly acidic. If left in place, they’ll continue causing harm to flooring, cabinetry and other building materials and household items. Not only will timely services from fire restoration contractors limit overall property damages, but they’ll also reduce the amount of time necessary for bringing your abode back to a habitable condition.
3. Don’t Hesitate To Ask For An Advance
If fire damages are too extensive for you and your family to reenter the home, reach out to your insurance agency to request an advance against your claim. These monies can be used to cover the costs of hotel stays, meal preparation and other living expenses while everything is being cleaned and repaired. Most insurance companies will dispatch agents to drop these checks off in person within just 72 hours or less.
4. Tour The Property Ahead Of Filing Your Claim
Before formally submitting your claim, take a comprehensive tour of your home while documenting all of the visible damages. Whenever items cannot be salvaged, jot basic descriptions and estimated values for these items down and attach them to any records that you have of their pre-fire condition. Including details like these from the outset will make it much easier for adjusters to review and approve your claim within a reasonable amount of time.