How To File an Insurance Claim After a Fire
Six Steps To Guide You Through the Claim Process
Dealing with the aftermath of a fire that damaged your business in Estero, FL, can be overwhelming. One of the first things to do is file a fire claim with your insurance company. Here are six steps to guide you through the claim process:
Talk to your insurance company as soon as you can. You’re not limited to calling your agent on the phone. Many insurance companies let customers submit claims through their website or mobile app. Have your policy number and the address where the fire happened.
Document any losses. Make a list of anything with fire damage. Take the inventory as soon as you can so you remember everything to include in your fire claim. Gather records regarding income, inventory, contracts, and taxes so you can work with your insurer to calculate any lost income accurately.
Secure the building and make any short-term fixes. If it’s safe to go back to your building, you can take proactive measures such as boarding up holes in windows and roofs. Insurance companies call this “mitigating damage.”
Keep records of what you spend while you’re repairing your business. Track expenses such as using a fire restoration company, renting office space, and hiring contractors. Include vehicle rentals if any of your vans or trucks were damaged in the fire.
Ask your insurance company if you can get rid of debris. Don’t clear anything in your building until a claims adjuster has come to document the fire damage. If you need to get rid of something, let your insurance company know and take photos of the damage before you throw anything away.
Monitor the progress of your claim. Stay organized and keep track of your claim number, adjuster contact information, and receipts. Follow up with your insurer to see how your claim is progressing.
Getting back to business after a fire is stressful, but working with your insurance company on your fire claim can take some of the worries out of the process.