When one invests in a home the first thought that flashes in his/her mind are how to arrange for insurance for the house since it is his most valuable investment. A home insurance basically provides financial relief for people whose homes may be damaged by a number of disasters which includes fires. Those who have lost their investment to a house fire usually find relief in their home insurance policy. In the following article, we will focus on how to go about with an insurance adjuster after a house fire.
How to deal with an insurance adjuster after a house fire?
1) Review the Policy
The first step is to ensure that you understand the policy and what it entails. Confirm whether the fire is covered in the policy as well as personal expenses and living expenses. This will help in determining what the insurance company will compensate for and what the company will not compensate for.
2) File a claim
The next step will be to file a claim immediately after the fire has been extinguished. This will help you to ensure that your home is repaired as quickly as possible. Your claim should include the date of the incident, the type of damage incurred, the location of the incident, a record of injuries to the parties involved, a police report, and a description of lost goods. These may include furniture, electronics, clothes, and utensils. Document each of the items with a receipt or a photograph that can be produced as a proof that the items were damaged when filing a claim. Value each item that was damaged and if possible attach receipts and photos. This lowers the chances of a claim being denied.
3) Review your record and be organized
It is important to review the record of your damaged personal belongings with the police or fire department before contacting the insurance agency. Ensure that you write down each item that was damaged to make sure that all of the pieces fit together before consulting the insurance agency. This will aid you when it comes to filing your claim since you will have to record each item with an insurance agency that was damaged for a number of times. If the record changes, this may result in the claim being denied. Secondly, when the insurance adjuster visits he will ask for a copy of the same to be used to value your assets. Keep a written record of any communication between you, your adjuster, lawyer or the police.
4) Document Living Expenses incurred after the fire
In your insurance policy, there is a loss of use clause that entitles you to reimbursement for living expenses incurred after a house fire. Keep a record of any food, travel, or housing expenses that you incur when displaced and have a receipt if possible.
Depending on the policy, your insurance adjuster will supply an estimate of the value of your house and its contents. You aren’t required to accept this valuation in case you feel the insurance company valuation is unsatisfactory. You can hire an independent estimator to value your home and its contents and file a complaint.
6) Closing the claim
When you get in terms with the adjuster and the insurance company covers all your losses to your satisfaction it’s time to terminate the claim.