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Fire & Water - Cleanup & Restoration

Filing an Insurance Claim After a Home Fire

2/24/2020 (Permalink)

Home Destroyed By Fire With Caved In Roof Vacant home fire in Calimesa, CA

A home fire can be a very upsetting ordeal. Fortunately, homeowners' insurance will cover many fire losses.

What Homeowners Insurance Does Not Cover

There are a few instances where most homeowners insurance will not cover fire damage, including the following:

  • Arson
  • Wildfire
  • Vacant home fire

In addition to the above exclusions, insurance policies have coverage limits. This means that they will not pay for damages above a certain amount. It is important to talk to your insurance agent to make sure you have adequate homeowners' coverage and determine whether you need an additional policy, such as vacant home insurance.

How To File a Claim

After the home fire has been extinguished and all family members are safe, it is time to call the insurance company. The agent will let you know what information you will need to submit. Take detailed photo or video evidence, and make a list of all items that will need to be repaired or replaced. If you have original receipts or a record of how much the items cost, include this information. Additionally, keep detailed records of all the expenses you incur, including those for repairs and temporary housing. Finally, do not let the insurance company close out the claim until you are sure all the damage has been discovered and documented. Often, homeowners find damage later on that they were unaware of when initially filing the claim. The insurance company is not obligated to cover damage discovered after the claim has been closed.
After you have filed an insurance claim, it is time to begin repairing your property. It is important to act quickly because water from the extinguishing efforts can begin to grow mold, and smoke and soot can cause permanent damage if left for too long. You may wish to hire an experienced restoration team to help you get your Calimesa, CA, property back to normal after a home fire.

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