Steps for Filing a Fire Insurance Claim

7/13/2020 (Permalink)

File your insurance claim

Steps for Filing a Fire Insurance Claim

Commercial property insurance can help you pay for fire restoration and cleanup services. You just have to file a claim and submit it to your insurer. The insurance provider may then send you a proof of loss form. Alternatively, an adjuster may visit your East Norriton, PA, property, and assess the extent of the fire damage. In fact, there could be one adjuster who surveys the structural issues and another who check out the contents of the building.
Before you make your fire claim and welcome the adjusters into your property, there are certain steps you should take. Following the below tips will make the process go more smoothly.

1. Secure the Property
You should leave much of the restoration to the professionals. However, you should take steps to protect your property from further damage. Sealing any broken doors or windows will prevent rain or looters from entering the premises and causing additional harm.

2. Photograph Damaged Items Before Discarding Them
Ideally, you should not throw out any destroyed assets until the adjusters have arrived. Sometimes, however, you may not have a choice. If you do have to discard some items, take video or photos of them to show to the insurance representative.

3. Keep Detailed Records
For your fire claim, you should make a detailed list of the items that were damaged by the blaze. Make sure to collect receipts or other documents that reveal the value of your harmed equipment. If you have to temporarily move your business during the restoration, you should also report any expenses that you incur as a result. Don’t forget to include any fire damage to company vehicles, as well.

4. Stay Connected
The insurance adjusters can't survey your property if they don’t know where you are. Make sure that the insurer has your cell phone number and other additional contact information.
Preparing in advance for the insurance adjuster's visit can expedite your fire claim. This, in turn, will help get your business back up and running more quickly after a blaze.