House Fires & Homeowners Insurance

severe droughtHouse fires are traumatic, stressful, scary, saddening, and pretty much any other negative word you can describe. And unfortunately, once the flames are out, some homeowners discover the process of working with the insurance company can be a bit tricky. This all depends greatly on your insurance carrier, the kind and amount of coverage you have, and even the restoration company you choose to work with.

At 24Restore, we will work directly with the insurance adjuster handling your claim throughout the entire rebuild and repair project to be sure we are working within the policy limits, and making the whole traumatic ordeal a little less so for you, if we are able. While we aren’t insurance experts, we have been working for years with an insurance adjuster, carriers, and agents, and seen what many policies do and do not cover after a fire.

There are many different coverages within your homeowner’s insurance policy, and much more available. Three of the most common are:

Dwelling Coverage – Yep, it is what it sounds like. This is the part of your policy that covers the actual structure of your home, and anything that might be directly attached to it like a garage.

Detached Structures – Again, it is just as it sounds. If you have a detached garage or shed, your insurance agent likely added those items to your homeowner’s policy so they are covered as well in the event of loss like a flood or fire.

Personal Property – This is an area where people find they are lacking the coverage they need. This part of the policy covers everything within those structures. Think of everything you own big and small. Imagine having to replace it or have it all cleaned after a fire. Make sure your personal property coverage is up to par with what you believe you would need if something happened.

After everyone is safe and the fire is out, it is important to act quickly to get repairs started. Here are a few tips to get going:

  1. Call your preferred restoration company right away. 24Restore will be on site as soon as possible to get the cleanup and rebuilding process started. The sooner this process begins, the sooner you can get back home!
  2. 24Restore will work with your insurance company to provide the best pricing and coverage possible.
  3. Make a list of what you own, and throw away This can be a hard task to do. It means sitting down and mentally walking through each room of your fire-damaged home and writing down all the items that were inside. The more information you can give your insurance adjuster, the more money they will be able to give you from your policy.
  4. If your home is no longer livable, and you’re left with just the clothes on your back, don’t hesitate to ask your insurance adjuster for some money up front. This should be used to buy new clothes, toothbrushes, and other daily necessities.