When a fire misfortune happens, homeowners are required to file a claim for every damage in the property and so they can start cleaning up and rebuild. Fires are one of the most devastating that could happen for someone, especially landlords. This is why it is important to run drills for workplace safety on a regular basis. And often time, landlords make a costly mistake during and after the settlement of the fire claims.
Most of them file a claim and have an adjuster come and inspect their area; however, many things can be missed during the initial request. One thing to keep in mind is that after the insurance company sends you the proof and completes it, the homeowner has three years to file to an existing fire claim. This could be earned if you establish that the damage has not been assessed properly. Here are some tips to ensure that you receive compensation for your fire claims.
Check Your Insurance Policy
Yes, insurance policies are difficult to understand. Before making fire claims, you should take the opportunity to re-evaluate your government policy, such as how much insurance coverage you have for your home, how much insurance coverage depends on your personal property and how much the policy pays you to stay in a hotel. As soon as the fire claim is filed, the claim adjuster will cover the fire’s location and file a claim. However, do not provide the original photos, give them a copy of these photos instead. This will allow them to expedite the warranty.
Document the Property Damage
Take the opportunity to inspect and document the damage. Make sure that you take pictures of the damaged room areas, even if the home is considered as not a total loss. Try to take close-ups and overview photos. Take an overview look before you enter the hall, room, or closet. It will allow you to sort your photos and determine which photos belong to this area. For instance, when taking an overview with the kitchen area, you check from the doors, ceilings, top to bottom of the walls, and the floor.
Document “Every” Damage
What you need to do next is to go back to each room and each wardrobe to make an inventory of “every” damaged content. And when we say “every,” we mean everything in your list, including paintings, furniture, shoes, clothes, etc. that have been damaged by the fire. It might be a lot of pictures, but this is necessary to get the proper settlement. Make a list of every item. When you make a list and have the pictures, make sure you haven’t missed anything and look around. Make an inventory list for each room with the photos.…