Establish a Fire Claim With These 4 Steps

6/9/2020 (Permalink)

Fire damage in a Parkers Prairie, MN house

Remember The Following Four Tips

Fire restoration often begins with filing with your insurer. In some ways this sounds simple; however, during such an emotionally stressful time, you may not really understand how to proceed, left with more questions than answers. Take a few deep breaths, and remember the following four tips.

1. Make a Call
Locate your fire insurance policy. Don't stress if you can't find the paperwork in the fire damage. Many providers have it in your online account, so you can log in there to read through the information. Review the material, making sure you know the answers to the following questions:

• What is your deducible?
  
• What is your coverage limit?
  
• What exclusions exist, if at all?
  
• What specifics need to be done to secure the funding?
  
  

Don't sweat if something is concerning you. Speak with the agent for as long as you need. Write out any details that stand out, and request an email address to maintain contact.

2. Protect the Premises
Don't touch anything. It's important to leave surfaces as they are, avoiding additional destruction and contamination. For this reason, cover rugs or carpet with clean towels or sheets. Don't wash walls, and make sure to wipe your hands before entering and leaving the area. Electronics could be damaged, so allow them to sit until they're inspected. Finally, board up any exposed areas, preventing access to unwanted intruders.

3. Ask for an Inspection
Fire restoration companies in Parkers Prairie, MN, can evaluate the premises, estimating repairs, and assisting with any immediate needs. This team can assist in not only drying and safeguarding the property, but they can establish support for your insurance request.

4. Document the Damage
Walk around snapping photographs or videos of anything requiring water or smoke cleaning. The agency must have evidence of anything ruined. As you record, write down any concerns. This list can be submitted with the snapshots, as part of the estimate for personal loss or repair.
As you secure your coverage, remember to stay focused and organized. Fire restoration claims require care and evidence.