Fire Damage Insurance Coverage for Homeowners
Fire damage and loss can be devastating to any homeowner. Many families may not have fire damage insurance, which could cost them large amounts of money in times of disaster. Fire damage insurance can cover anything from house fires to wild fires. Depending on your home and region, this is something a homeowner should consider.
Fire damage insurance is important to any homeowner. Home fires can be common in any area with higher risk forest and brush fires. Fire damage insurance is vitally important and often mandatory in some regions. Refer to FEMA to check you location and risk level to ensure your home’s safety.
Fire Damage Insurance Coverage
Like stated before different insurance companies can have a variety of fire coverage. Many companies will cover four areas. These areas can include the actual structure of the home, any adjoining structures and property, personal property and loss of additional living expenses. Most insurance companies will include the cost of any temporary housing you may need while your home and property is being repaired.
Coverage will protect your home and/or property fully. The structure of your home will be covered in case of a fire or disaster. Your insurance should cover any connecting or adjoining structures or buildings. This could include garages, sheds or smaller structures and storages. Personal property will be covered as well. When acquiring fire damage insurance you should always have a written account of the things you want covered. These items could include jewelry, electronics, artifacts and artwork, among any other property that may be worth a lot. Keeping an up to date account of your personal items ensures your insurance company reimburses you for all your loses. Additional living expenses should be covered as well. Since it is difficult to keep a constant update to your insurance coverage, there may be some personal items not listed on your policy. If this is the case, depending on your insurance company, you should receive an amount for additional living expenses. In times of fire and destruction, you have to leave your home during fire damage restoration. If this is the case, your fire damage insurance should cover outside expenses, i.e. rent, especially if your home is inhabitable during restoration.
Fire Damage Insurance Claims
Before you deal with insurance claims, you need to make sure you know all details in which your policy and plan includes. This will help you understand more about your policy when you file a claim. Always remember to contact your insurance company as soon as a disaster occurs. In many cases, fire damage insurance companies have a time limit on when you can file a claim. It is important to make sure all documents are turned in on a timely manner to allow the claim to go through faster. This allows a quicker response time from your insurance company. Written statements from you or law enforcements should be turned in as well along with photos of the home. This allows the insurance company to receive as many accurate details as possible.
Once the damage has been done, make sure to create a list of al possible damages. Your insurance needs to know a detailed account of all damaged property so you can receive a proper amount back from the company. If there is no documentation you will receive no reimbursement for lost personal property. Anything that your fire damage insurance has no record of will be dismissed without reimbursement. This is why it is vitally important to make sure all statements and documentation is turned in a timely manner. This will save you time and a lot of money in the long run.
Fire Damage Insurance Adjusters
Finding an adjuster is an important part about filing a claim. Insurance companies will send an adjuster out to determine the loss and damages. Yet if you feel that hiring a private adjuster would better suite your needs you can do that as well. When hiring a private adjuster you need to make sure they are licensed and should be able to record your losses accurately. Generally insurance companies will give you an estimate to repair losses while private adjusters will try to prove you need items replaced. Depending on how much time you have, you will have to determine which adjuster is right for you.
Fire Damage Cleanup
If you feel that you are ready for the cleanup to start on your home, be sure to find a local fire damage restoration service to meet your needs. This will help you ensure that your home is returned to its original condition as quickly and efficiently as possible.