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After the Fire: How to Deal with Your Insurance Company?

Fires can be devastating, and even after its initial shock is over, you will have to deal with your insurance company. This can be a daunting and confusing task. But, because you want to get back on your feet as quickly as possible, you will have to do everything you can to strike a deal with your insurance company. Here are some tips to help you through the process. 


Be Prepared 


Being prepared after a fire means keeping copies of all your insurance policies, including auto, homeowners, and other insurance coverage. You should also have a fire department incident number. This number will be given to you by the Fire Department of fire claims when they leave the scene of an emergency call. 


Be sure to write this number down and keep it in a safe place. It will be the key that opens the door to the insurance adjuster, who will decide how much money you will be paid when they assess the damage. If you do not have this information, contact your local station immediately after a fire to get it. 


Inform Your Insurance Company 


Once you have all the necessary information, you will need to contact your insurance company or reach out to a public insurance adjuster as soon as possible and start following up on your fire claims. Even if you do not think your home is damaged, you should do this. As soon as you speak to an insurance agent, inform them of the fire and the location so that they can begin the claims process. 


It is essential to record all conversations you have with your insurance company, including the name and title of the person you are talking to. It would be best if you also noted when and how your insurance company contacted you. This will help if any issues arise with their handling of your claim later on. 


Collect the Documentation 


After informing your insurance company that a fire has occurred, they will send an adjuster to assess the damage. They will want to see all the documentation related to the fire. These documents can include pictures of your home and belongings before, during, and after the fire. 


You may also need copies of receipts for items damaged in the fire. Keeping these records in a safe spot prior to the fire will be much easier to provide them to the insurance adjuster. If you have not, start gathering them as soon as possible. 


The more documentation you have, the easier it will be for the insurance company to process your claim and get you the money you need to rebuild your home. 


Work with Your Insurance Agent 


After the adjuster has looked at the damage and collected the necessary documentation, they will work with you to determine how much money you will be paid. This process can take some time, so it is important to be patient. 


It is also important to be proactive during this time. Keep in touch with your insurance agent and ask questions if anything is unclear. The more involved you are in the process, the more likely you will get a fair settlement from your insurance company. 


Dealing with your insurance company after a fire can be a complicated and stressful process. But, by being prepared and working closely with your agent, you can get back on your feet as quickly as possible. New York Fire Claim is a public insurance adjuster dedicated to helping people in New York City who have been affected by a fire. If you need help with your insurance claim, please contact us today. 


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