Tips for Fire Claims

Recently there have been a number of wildfires throughout the country, many of them engulfing homes and destroying other property.   While we certainly hope you never have to deal with heartache and stress with losing your home or business to a fire, we would like to share some tips from the Insurance  Commissioner’s office on how to property deal with a fire claim.

According to the commissioner’s office you should do the following immediately after a fire claim:

  • Once you gain access to your property take pictures of the damage if it looks like the adjuster will be delayed.
  • Make sure your address is visible. You may have to spray paint the address onto a sheet of plywood and put it in view of the road so the adjuster can find it.
  • If you are not going to be at the property, let the adjuster know how to contact you.
  • Do not dispose of property until an insurance adjuster has reviewed it.
  • Save all receipts.
  • Avoid insurance adjusters and contractors that do not have a valid license or use high pressure tactics and require large deposits.

The commissioner’s office recommends you do the following to prepare for any future potential claims:

  • Review your property insurance coverage to make sure you have adequate limits.
  • Record an inventory of your possessions.
  • Make sure you store a copy of your inventory at a separate location.
  • Save all receipts.

If you have any additional questions or would like us to help prepare your company against any future claims, please feel free to contact our office.