A house fire is a terrifying thing. Thankfully, most homeowners’ insurance policies cover fire damage if they act fast. But making it through the claim process after the smoke has settled can feel overwhelming. Here is a direct guide on how we can file an insurance claim for fire damage, plus an extra tip for better policy use.

Step 1: Safety First!

First of all, think about safety before you think about any paperwork at all. Ensure everyone is out of the house and the firefighters are on their way. After the flames are put out and authorities permit you to do so, immediately call public adjusters so they can assess the overall damages.

Step 2: We’ll Immediately Involve Your Insurance Company

Without wasting any time, a public adjuster will report the incident to your insurance company. We understand that the claims must be filed promptly because most policies have time restrictions that protect policyholders’ interests.

Step 3: Public Adjusters Document Everything

They’ll take pictures and videos of what was destroyed, from outside to inside, in every burnt or smoke-tarnished room. The close-ups of valuable objects damaged, as well as other possessions spoilt by heat, flame, or smoke. In the future, this detailed documentation will be very necessary when they present your formal demand.

Step 4: A Public Adjuster List Damaged Belongings

Events can escape your mind quickly while still vivid in the memories. Therefore, they pin down everything lost through fire on paper while the scenes remain fresh. This includes descriptions, brands (if applicable), and values (receipts help!). This will let the insurance company know how much you lost.

Step 5: Official Claim Submission

Your insurers will provide a form where you can make a claim. Let your public adjuster fill out these papers accurately and with the utmost care, then attach all the documents gathered from steps two to four. Be truthful and unambiguous while giving your explanations.

Step 6: The Insurance Adjuster’s Visit

An adjuster from your insurer will come to assess the extent of the damage and estimate the cost of repair or replacement. Your public adjuster should definitely be present during this process and honestly answer any questions they have.

Pro Tip: Consider Hiring a Public Adjuster for Maximum Support

Hire public adjusters who exclusively work for you, mainly when fires occur. When it comes to fire damage claims, public adjusters are experts in the field, and they can:

  • Assist with the complex claims process.
  • Review your policy to ensure you have claimed all that needs claiming.
  • Talk to your company about a fair settlement.
  • Perform all the necessary duties related to paperwork and correspondence so that you can concentrate on recovering in other ways.

Do Public Adjusters Work on Contingency Fee System?

Public adjusters usually work on what is referred to as a contingency fee basis, where their payment is a fraction of the final pay-out amount. Since they make money from getting more money for you, they will fight harder for your best interests than anybody else.

Premier Public Adjusters for Your Go-To Support

Contact Premier Public Adjusters today for expert guidance on navigating fire damage claims. Our experienced professionals will work tirelessly to ensure you receive the maximum compensation you deserve.