Having your home engulfed in flames is pretty devastating. However, the really traumatic part can occur after the fire has been safely extinguished and it is time to deal with your insurance company. Filing fire insurance claims can sometimes be a bit of a hassle, depending on the insurance company that you are dealing with and the type of policy that you have.
That is why it is always a good idea to retain the services of Property Insurance Attorneys in Florida when a fire has occurred at your property. They can help you navigate the steps of filing an insurance claim and ensure you do not end up getting underpaid by your insurance company.
In the meantime, here are some great tips to help you when you file a fire insurance claim.
Write Down Everything That Has Been Destroyed
When dealing with insurance companies, they will always want to know exactly what was damaged so that they can determine how much they need to pay you. With something as devastating as a fire, it can sometimes be hard to remember everything that you lost.
That is why it is so important that one of the first things that you do after a fire has occurred is to think about everything that was damaged or destroyed and write it all down in one list. That way, when the insurance company asks, you will be prepared with a completed list.
Take Steps to Protect Your Home
Depending on the severity of the fire, only a certain section of your home might be significantly damaged. If this is the case, then you need to take some steps to start securing your home and everything in it as soon as you can.
Otherwise, if further damage occurs, it might not be covered by the insurance company because you failed to properly secure your belongings. So be sure to board up any holes and move any items that are at risk to an area where they are safe.
Do Not Rush to Close the File
It is very likely that whichever insurance company that you are dealing with, they will try to get the claim closed as soon as possible. The reason for this is that once a claim is officially done and closed, you will no longer be able to get reimbursed for any damage related to the fire. So if you discover that something else has been destroyed in the fire that you previously missed, the insurance company will not be liable to pay for it.
That is why it is so important that you do not rush to get the claim done and over with. There is a good chance that with all the stress you had to deal with because of the fire that you have missed an item or two when originally submitting your claim. As long as the file is still open, you should be able to add to your claim and be paid for them. Get a Free Consulting from Insurance Attorney in Miami or Give us a call at (786) 224-0705.