How to Recover After a House Fire
What to Do After a Home Fire
A house fire can cause property damage, financial hardship, physical injury, and emotional harm. Once the fire is extinguished and the smoke has cleared, many homeowners are left wondering who to contact and how to keep further chaos at bay. It’s at this time when you’ll be thankful that you have reliable home insurance in Thousand Oaks, CA in hand. Here’s how to handle the aftermath of a fire.
Contact your insurance company immediately.
As the insured, you are responsible for filing your claim. Try to file the claim as soon as possible. You can do this by calling the agent on your policy or notifying him or her of the incident before you file a proper claim.
Secure the property from further damage.
Although you may want to clean up the damage immediately, you don’t want to throw anything away as this is your evidence to support your claim. Disposing of damaged items before they are accurately documented and proven damaged can hinder your claim.
It’s important to be as detailed as possible when creating a home inventory as the little items add up quickly. Track down photos, receipts, and note the age and description of the items. If you don’t have a home inventory, this can be very difficult to do from memory. If you can, perform a home inventory sooner rather than later.
Assess your finances.
Even though your home is damaged, you’ll still need to make mortgage payments. Your insurance policy should cover your home’s value and mortgage so that you don’t need to be concerned with payments for the time being. You’ll also need to make any car payments and replace any credit or debit cards that may have been destroyed in the fire.
Receive repair estimates.
This will depend on whether your policy is based on ‘actual cash value’ or ‘replacement cost.’ Your insurer will help to inform you of the next steps.
Do you have yet to secure the right home insurance policy that can help you recover from such a loss? Visit the professionals at Falsken & Associates Insurance Agency to get started!