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How to file a fire insurance claim

How to file a fire insurance claim
October 4, 2021 camsrep
House fires are one of the most common concerns among people. A fire can happen because of cooking mishaps, electrical problems, a candle or a lightning strike. Hence it is very important to purchase fire insurance for your home. In this blog, we will walk you through the steps to file a fire insurance claim.

What is a fire insurance policy?

A fire insurance policy is a type of property insurance policy that pays for the damages and losses caused by a fire accident at your home or office. This policy will allow you to seek reimbursement for the costs of repairing the goods and property damaged by the fire.
You can also get covered if any other building near your house also gets affected by the fire accident.

Steps to file an insurance claim

1) Take pictures as proof

The first thing to do as soon as you face a fire accident at your place is to put out the fire with the help of the fire department. Take pictures of all the damage that has happened. Do not throw away anything. Remember that documentation is very important as it becomes easier to get the insurance amount.

2) Contact your insurance provider

Call your insurance company and immediately inform them about the unfortunate event. You will be asked to provide them with a list of documents to file the claim.

  • Date of mishap
  • Type of loss
  • Any injuries sustained as a result of the accident
  • List of items lost to the fire
  • Photographs to support your claim
  • A copy of the police report
  • Receipts of any temporary repairs which took place
  • A properly filled claim form
  • A repair cost estimate

3) Survey

Once you have submitted all these documents to your insurance provider, a claim adjuster will be sent to your home to inspect the damage and make an estimate of repairs. The insurance firm will provide you with a list of fire restoration service providers. However, you can choose any restoration outside the list if such a clause has not been mentioned in your policy.

After you’ve submitted all of these documentations to your insurance company, a claim adjuster will visit your home to assess the damage and issue a repair estimate. A list of fire restoration service providers will be provided by the insurance company. However, you can choose any restoration outside the list, if your policy does not include such a clause.

If your insurance claim is denied, get a written explanation of why it was denied. Document every interaction you have with the insurance company. This will come in handy if you have a disagreement with your insurance company or if your claim is denied.

Because this process necessitates several documents and inspections, it may take a little longer than expected. If you reported the accident on time and filed all required paperwork, you will be paid within 15 days

If you do not have a fire insurance policy, it is high time you invest in one. Do some research and choose the one which suits you.

One Step Further

While you have invested your time, energy and money to secure your assets with the right insurance policy, take the next important step of digitizing them. Imagine if you also lose your insurance policies in the fire accident? This will only stress you out further.

e-Insurance allows multiple policy viewing, safety, easy tracking and monitoring, paperless processes, reduced risk of fraudulent acts, effortless premium payments and easy accessibility anytime, anywhere.

Follow us here and on our social media platforms to stay updated about e-Insurance.

Creating an e-Insurance account takes just a few minutes but comes with lifelong benefits.

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