How Do I File a Claim After a Fire?

10/11/2022 (Permalink)

SERVPRO of Lafayette/Louisville is available 24/7, and we will make Fire damage “Like it never even happened.”

How Do I File a Claim Following a Fire?

If you have had a fire in your Valmont, CO home, there are many questions to ask and decisions to make. One of the most important things that you can do is file a claim with your insurance company. Here’s what you need to know about filing a fire damage claim:

Filing a Damage Claim 

After a fire, one of the first things you should do is contact your insurance company and file a claim. There are deadlines for all sorts of different types of claims, so it’s important to know when you need to make your claim. These deadlines will vary from state to state and from insurance company to insurance company, but they can be anywhere from 24 hours after the loss occurred up until 90 days later. It’s best not to wait too long before filing a claim because if you do, then it may be harder for them to investigate what happened. 

There are two types of claims: property damage claims and personal injury claims. Property damage claims include things like water damage cleanup services or structural repairs needed after fire damage has been done, whereas personal injury claims cover medical costs related directly due to injuries sustained during an incident. 

Call a Professional Restoration Service 

When it comes to fire damage, the best thing you can do is call a professional restoration company like SERVPRO of Lafayette/Louisville as soon as possible. Our certified technicians will be able to assess the extent of your fire damage and help you get it cleaned up quickly so that your home is ready for repairs.

If there is structural damage to your home, call a professional restoration company like SERVPRO of Lafayette/Louisville to help mitigate the damage while they wait for the insurance adjuster to come out.

File Your Claim as Soon as Possible

To begin with, contact your insurance company as soon as possible after a fire has occurred. Most policies do require you to notify them within a reasonable amount of time after the loss occurs, so call as soon as you can (if not immediately). Also check your policy or contact your agent for more information about how claims work and what types of claims will be covered under different policies.

Conclusion

If you are not sure what type of claim to file or how to do it, talk to your insurance agent. They will be able to help guide you through the process and answer any questions you may have.