How To File Fire Damage Insurance Claims In Florida?

An accident has taken place- your property has been badly damaged by fire.

Next what? Well, filing a fire insurance claim is the next step. But before you get started, it is also important to make sure you have enough knowledge about the ins and outs of the fire insurance claims procedure in Florida.

Mentioned below are the steps you should follow when filing a fire damage insurance claim in Florida to make the process easy.

Gather all the information you need: Depending upon the requirements of your insurance company, you will need to provide certain information in order for your claim to be approved.

Common information necessary to file an insurance claim consist of the following:

• Copy of police report
• List of injuries incurred
• Date of fire damage
• Location of fire damage
• Type of claim (fire damage)
• Property’s condition
• All repair/replacement estimates

Ask for assistance: Insurance companies provide different forms of assistance in the event of extensive fire damage. If your house has been damaged so much that you can’t live in, your insurance company may provide temporary housing in the meantime.

Keep a track of everything: It is obvious that you will want to document the entire process. Take pictures of the damage. Moreover, ask for all estimates of destruction as well as the cost to repair or replace in written.

Make sure you keep all the documents with you, no matter how insignificant they may look. Do not get rid of anything until and unless the insurance company has sent someone to assess the damage that is done.

Get a second opinion on the extent of the damage: Normally, insurance adjusters are inclined to make decisions in the insurance company’s best interest rather than yours. Hence, hiring a licensed contractor to accurately assess the extent of the damage is suggested.

It's not Over until You Say So: The insurance company might be in a hurry to wind up your case, especially if there is a huge disaster. The reason being the longer your claim is open, the more are the chances for you to find something that was overlooked earlier. In such situations, the probability is that there may be times when you may forget to list down in your initial claim. This is why it is suggested to take your time before closing your claim.

To conclude, no matter how many precautions you take, there will still be some damage caused by fire. To lessen the impact of the damage caused, a fire insurance policy is suggested, both for commercial and domestic establishments