5 Tips for Filing a Commercial Fire Claim

5/9/2022 (Permalink)

5 Points To Consider When Filing A Commercial Fire Claim

When fire ravages part of a company's building, owners may turn to insurance for financial assistance. Along with the organization's adjuster, the agent reviews a fire claim, determining whether the blaze's cause falls under the policy. During this process, owners should remain active, following these five steps to minimize obstacles and delays.

1. Get Experts To Secure the Premises

Fires and the methods used to extinguish the flames create holes in the structure, exposing the property to trespassers, critters and natural elements. Seek assistance from a fire restoration company in Boulder, CO, to defend the location from further harm. These professionals assess the grounds, tarp the roof and board up walls and windows.

2. Contact Your Local Agent

Insurance companies have several methods of contact. Reach an agent via phone, mobile application or website. Initiate the claim immediately. This effort demonstrates good faith and reduces concerns that lingering action created more harm to the property.

3. Collect Documentation To Support the Fire Claim

Prove the value of your building and the materials. Locate paperwork that verifies the cost of the monthly rent and utilities. Find the amount for repair parts and replacement. In addition, put together a portfolio of any financial papers that document the cost to replace lost contents.

4. Gather Images of the Fire Damage

Provide visual evidence of destruction. Use a camera to snap photographs of anything ruined by smoke, sparks or water. Include the structure as well as valuable content. Send these to the assigned agent, validating the inventory record.

5. Collaborate With the Insurance Adjuster

The agency may send its adjuster to examine the facility. During the inspection, walk with the professional, pointing out areas of concern. Have a list of questions and concerns to share with the assessor.

Business owners in Boulder, CO, can seek financial aid from an insurance carrier. When filing a fire claim, remain part of the conversation, providing valuable information and documentation to help expedite the process and minimize setbacks.