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Fire & Water - Cleanup & Restoration

4 Things To Do When Requesting a Fire Claim

8/21/2022 (Permalink)

Severe fire damage in a home Fire damage in Oneta, OK

The Following Actions Can Make The Experience Easier

Blazes devastate houses, leaving them charred, smoky and hazardous. Fire restoration isn't simple, and it can be quite costly. Homeowners in Oneta, OK, may request financial assistance from their insurance companies. When opening a claim, residents should keep in mind the following four tips. These actions could make the experience easier.

1. Understand Your Policy

Be aware of fire insurance exclusions, deductibles and procedures. Review documentation and contact your insurer, explaining the situation's details. Request to open a claim. This begins the review process which could take several weeks. In the meantime, ask about your next steps and how the company would like for you to proceed. If possible, arrange for information to be emailed to you.

2. Secure the Premises

Fire restoration has several phases: mitigation, remediation and rebuilding. Do not leave the property unattended even on the first evening. Call in a fire and water restoration company. The specialists survey the damage and begin efforts to minimize the destruction. Openings should be boarded up, preventing trespassers and environmental hazards. Tarp over burnt shingles to stop moisture development. Your insurance agency could refuse payment if action isn't taken to keep the area safeguarded.

3. Take Photographs

Snap pictures of anything requiring replacement or smoke cleaning. This evidence should be submitted to your insurer along with a property loss form. List the name of the item, how much it initially cost and how much it should take to replace it. If this stage is documented in a spreadsheet, a store link could be included to verify the amounts. The agent uses the data to tabulate compensation.

4. Obtain Assessments

Crews survey the home, offering an overview of how to return it to normal. This includes drying out walls, tearing out ruined flooring and cleaning any personal valuables. Odor treatment is likely as well. Detailed reports support your claim.

When filing an insurance claim, work closely with your insurer and the professionals. Remember: Fire restoration and clear communication are important.

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