Any disruption to regular life is a hassle and consumes time trying to get back to normal life. But fires are life-altering in most cases and often expensive too.
Trying to manage fire damage on your own, especially after facing destruction to your house, is not just complex and painful, but also extremely tough.
Insurance company adjusters do not have your interest in mind and try to mislead you into accepting a low settlement. Instead of trying to handle and manage all this on your own, it’s prudent to opt for a fire claims adjuster. New York Fire Claims can help you claim what you deserve. Our experts guide you on the best path to take so you do not risk losing out on your claim amount.
Whether your property was damaged or destroyed by a minor or major fire, it is essential you act quickly and in a systematic manner. It is possible that due to the tragedy you may be burdened emotionally and financially, but there are few things you must do immediately to reduce your loss.
Here are the three most important steps that you must take after a house fire.
1. File a Home Insurance Claim Immediately
Whatever sort of fire damage your house has sustained, your first move should be to file a home insurance claim at once. This is crucial to ensure you do not risk losing your claim amount.
A claim filed immediately after a house fire means you will receive the claim payment quicker. With the payment received you can try and get back to your regular life sooner than expected. A timely filing of a fire damage claim will bring the insurance company adjusters to your home on time which will result in a prompt pay out of your claim.
Before the adjusters land up in your house, it is prudent to verify your home insurance coverage. Knowing the policy Maximus and understanding the various deductibles of coverage will help speed up the entire claim process.
Apart from verifying your policy, also do not agree to everything or any recommendations offered by the insurance company adjuster during their inspection visit. They are there to protect the interests of the insurance company, not yours. Instead, opt for your own fire claims adjuster, so that you don’t get taken for a ride.
2. Document All the Damage
Once you’ve filed your home insurance claim to receive payment for repairs or replacement, it is important to document everything that has been damaged in the fire. Why? Because all your photos and videos that you click and record of your damaged and destroyed belongings, home, and surroundings, will be used as proof. This evidence is then used later when you are going through the home insurance claims process.
After documenting all the damage caused by the fire to your home and property, make sure you secure the area. This is important so that vandals and thieves don’t cause more destruction or steal what’s remaining after the fire. Anything you think that allows access to burglars or thieves to your damaged property, seal and secure it.
3. Hire a Fire Claims Adjuster
It is a bad idea to depend on the insurance company adjuster to determine your total loss in the fire. These adjusters will try to make you settle for the lowest amount possible so that it benefits the insurance company.
What can you do? Hire a fire claims adjuster. New York fire claims adjusters are aware of the legalities involved and will guide you appropriately. These public adjusters know the ins and outs of such cases and can aim for a proper claim amount, where you do not stand to lose. They act as your main advocate and fight it out for you.
