• Get a Fire Claim Quote:

    (844) 567-FIRE

  • Send Us a Message:

    [email protected]

  • Available 24/7:

    Contact us today!

Smart Steps for Submitting a Commercial Fire Claim

Since fires are becoming more common, particularly in California, insurance firms are striving to save money by reducing fire claims. Due to the increased risk of fires, it is critical to understand the claiming procedures and how to submit your commercial fire claim. A commercial fire claim helps you to be paid for your damaged property.

A fire destroys your house and your stuff. You don’t want your homeowners’ insurer to deny your request. If you are considering or looking for a fire claims adjuster, New York-based law firm fireclaimny.com is the best in town!

Following are a few suggestions for working with the homeowners’ insurance provider.

1.  Request an Advance on Your Commercial Fire Claim

Due to difficult situations, you might have left behind supplies and clothing while trying to evade fire. Fire might have destroyed a few of these items. Fear not! Call fireclaimny.com fire claims adjuster, New York, and request a check be sent to your hotel. So, you may buy what you need without waiting for your final insurance reimbursement.

Start taking care of yourself, but don’t go overboard as unnecessary items will not be reimbursed by the insurance provider. For instance, when you need pants and a tie or shirt for the job, don’t go to the priciest shop in town.

Remember that this payment will be subtracted from your overall insurance payout, so don’t go excessive.

2.  Keep a List of Destroyed Items

You’ll need to give a list of what you ended up losing in the disaster; it will require everybody’s time and consideration. Make a list as fast as possible, so you can provide a summary of everything lost when you submit your commercial fire claim.

Don’t toss things away. Keep the things on the list until the insurer sees the damage. When you discard them, your insurer can refuse to pay you.

3.  File a Claim Immediately and Pressure the Insurer to Respond

You must file a commercial fire claim as quickly as possible, so contact your homeowners’ insurer right away. An “evidence of damage complaint” is required by the insurance provider, which lists all the things lost and their worth. Your early involvement is critical if the fire affects several other residences. A delay in filing a claim might mean a long delay for the insurer to contact you. You must also include the following details in your claim:


  • Loss date
  • Damage /loss type
  • Damaged area
  • Cuts and bruises
  • Home condition
  • Items damaged summary
  • Immediate fixes.
  • A cop complaint


Working with insurers requires several phone conversations, letters, emails, and documentation. Make a note of all papers and correspondence, along with post office invoices. Remember the time and date of every phone call and in-person appointment with your insurer. The file or binder organizer will help you arrange different kinds of communication, receipts, and coverage papers into distinct sections.

Because you’re following the policy’s requirements, the insurance provider must respond immediately to your commercial fire claim. Most jurisdictions mandate insurance providers to respond to claims within a certain time frame.

You must submit a “form of purpose” within thirty days after filing a commercial fire claim. When there are no concerns with the commercial fire insurance settlement, they may reimburse you within 30 days. When your insurance provider is slow to respond, contact them and tell them you’ll submit a photocopy to the state’s claims department. A corporation would not want to mess it up or delay if you know all procedures and rules.

4.  Protect Your Property from Permanent Damage

The insurance provider might expect you to maintain your home and protect your stuff from additional damage. It is irrelevant if the item is lost. If just a portion of your house is affected, take an immediate step to avoid future loss. Insurers’ term “damage prevention” means limiting harm. Damages may be reduced by:


  • Protecting the roof and walls from the weather
  • Construction of a barrier to stop burglars
  • All embers smolder
  • Removing severely damaged goods

5.  Record Your Daily Expenditures

The insurance plan contains a provision that compensates you for accommodation costs while you are unable to access the severely fire-damaged house.

Many individuals live with friends or family rather than in a motel. The coverage provider may pay your hosts for extra expenses. Keep in mind that the insurance provider may wish to bargain this fee with you. Inform the insurer that staying with family saves them money on accommodation and food bills.

The Bottom Line

When you can’t agree with the insurer after using your impartial contractor estimator and experiencing trouble, consider hiring a fire claims adjuster; New York-based law firm fireclaimny.com is the best in town. It’s worth it if your adjuster can get you much more than you could get alone.