Report the Fire: First thing you should do is report the fire damage claim to your insurance company. Most insurance companies have a separate number for reporting all types of property damage claims.
Document the Fire Damage: It very important everything id documented. This should include detailed photos or videos of the fire damage to your property. For contents you will need to have an inventory of damaged items, including their estimated value.
Secure the Property: The one thing you also need to do as quickly as possible is secure your premises to prevent further damage. Any expenses related to the fire should be accepted by your insurance company and you should be reimbursed for these items
File the Claim: When you file the fire damage claim give them as much information as you can. Be honest with your carrier and thorough when providing details about the incident.
Meet with an Adjuster: Your insurance company will send out a fire adjuster representing them to assess the extent of the damage. You will need to be present during the inspection to discuss all the damages and they will go through a number of questions with you.
Negotiate and Review: After some time, the carriers fire adjuster will review your policy and discuss the settlement offered by your insurance company. This is a first offer and does not need to be accepted by you
Asking Questions: You can ask questions and negotiate the settlement if you don’t think it fully cover your losses. You can also look to hire a Public Insurnace Adjuster to represent you in regard to your fire damage insurance claim












