How To File a Claim After a Fire

5/21/2022 (Permalink)

How to Make a Fire Insurance Claim

A fire can start in a matter of seconds. Irresponsible smokers, problems with electrical wiring, and lightning storms are just some of the ways that a fire can start on your commercial property. If you've fallen victim to flames, you need to make a fire claim in Winchester, MA, as soon as possible.

Make a List of Damaged and Lost Items
After the fire is put out, make a list of all the items that were damaged or lost in the fire. This includes furniture, inventory, your personal property, the personal property of any employees or clients, and anything else that you can think of. Document each item with as much information as possible for your insurance agency.

• Item Name
  
• Date of the Fire
  
• Type of Loss or Damage
  
• Location of the Damage
  
• Condition of the Item
  
• Description of the Damage or Loss
  
  

If necessary and possible, it also helps to include a list of any repairs you had to make and a police report.

Contact Your Insurance Company
After you create a list of everything you lost or that was damaged, contact your insurance agency about your fire claim. Tell your agent as much information as possible over the phone and follow his or her directions for filing a claim. Throughout the claims process, be sure to document every phone call, piece of mail, and face-to-face meeting that you have. Keep in mind that a claims adjuster will visit your property to confirm your reports about lost items or items that received fire damage.

Begin the Fire Restoration Process
Once you make your fire damage claim and receive approval from the insurance company, you'll need to hire professionals to help begin the fire restoration process. Get quotes from at least three different companies to ensure you're receiving a good rate. A good company will walk you through its process to help you understand what will happen and how your business may be affected.
Filing a fire claim in Winchester, MA, is not as complicated as it sounds. When you provide plenty of documentation, the process will go much more smoothly and you'll be on to the restoration process in no time.