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Filing Fire Insurance Claims - How To Do It The Correct Way

Jun 4, 2008
Are you facing the devastating loss of your home to a fire? Maybe you didn't completely lose your home, but you are dealing with the damage it has left behind. Do you know how to correctly file a fire claim with your insurance so you get the benefit? Of course we all think that is what insurance is for, but many don't realize that you have to do a bit of work to file a claim.

Does your insurance agent work for you? They sure like to make you think they do, but let's face reality. They want to make money, and their boss is the insurance company, not you. Therefore, you need to make sure you know what you are doing when filing a claim so you get the maximum benefit.

Depending on the severity of the fire, you may have to stay somewhere else. If you are lucky, you may have family or close friends who have room for you to stay with them. If you have a big family, however, the likelihood of someone having enough room for you is not very big. You must take precautions with your insurance to find out if they cover a hotel stay. If they don't, you may not want to go that route, not knowing how long you will have to stay away from home.

If you don't feel comfortable going through this on your own, you can hire a claims adjuster who will work for you. They can walk you through step by step what you need to do. In my opinion, this is the best way to go. That way, you don't miss a step at all. You will definitely have to pay them, but in the long run, it can be well worth the money.

The main thing you don't want to do is get taken advantage of by insurance companies. Yes, this does happen, and I am sure you have heard about how this has happened with hurricane Katrina. This is why it is so crucial that you know what you are doing or you hire someone who does. You want to get the most out of your insurance company. After all, you pay for it.

If you feel the least bit weary of handling this on your own, there are options. Filing a claim is not an easy task by any means. You don't need to feel guilty for hiring someone to help you.

I, myself, have not experienced a fire, but if I do, I know what to do. If you have not talked with your insurance agent about what is included when you file a fire claim, you are doing yourself a disservice. It is high time to take a look at whether or not hotel stay is included and anything else that you might need to know.

It is your responsibility to make sure you know what your insurance company will do for you. They don't work for you, they work for themselves.
About the Author
Carrie Harris is an expert on homeowners insurance policies and Texas homeowners insurance providers. Not only does she know about insurance companies in Texas, but she also is an expert at South Florida Homeowners Insurance.
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