Preparation Is Important When Filing an Insurance Claim for Fire Damage

3/25/2022 (Permalink)

Commercial smoke damage in Pasadena, TX.

Filing an Insurance Claim for Fire Damage

If the worst happens and your commercial property experiences a fire, you should act to file a fire claim as quickly as possible. To keep the process smooth and ensure that you are receiving full coverage, there are several steps you can take to keep your insurance company happy in Pasadena, TX.

Secure the Property

Once the fire trucks are gone and the fire has died, you will want to keep the fire damage from getting worse. However, only do what you feel comfortable with, and if a situation feels unsafe you should leave it to the professionals.

If certain areas have been exposed or the windows have blown out, try to board them up as best you can.
If part of the roof is gone, it is a good idea to tarp it up to prevent rain and other elements from entering.
If pipes are burst you should shut off the water.

Gather Your Records

So you aren't left scrambling later, you should gather all documents relevant when assigning value to items that have been damaged or lost. You should keep a record of all expenses incurred from the moment the fire started. It is best practice to photograph all the damage, even before you start securing your property. Making a fire claim is even easier if you also take the initiative to get estimates for all your repairs.

Get Ready for a Visitor

Typically insurance companies will send one or more claims adjusters with specialized knowledge to investigate the claim and assess various forms of damage in order to determine your coverage. They may keep in touch in order to receive updates on the fire restoration process and make payments to your account. Payments are usually sent via direct deposit or check.
When making a fire claim to your insurance, the more information you have at the ready, the easier it will be for everyone involved. This will also make it more likely that you get adequate coverage. Going through a disaster is tough, there's no reason to make it tougher.