In the blink of an eye, your home can burn. If this happens, it’s important to know what to do to protect your claim and make the process go smoothly. Here are eight tips for filing a house fire insurance claim.

1. Don’t Wait to Call Your Insurance Company

Your home is a very valuable asset. So, if you suffer a house fire, it’s important to take the necessary steps to protect your investment. One of those steps is to call your insurance company as soon as possible. They will need to start their investigation and will be able to give you specific instructions on what to do next. Your insurer will want to send fire claim adjusters in New Jersey to inspect the damage and determine the extent of your coverage. The sooner you make the call, the earlier they can begin the claims process.

2. Create a Detailed Inventory of Your Possessions

When making a fire insurance claim in New Jersey, it’s important to remember that your insurer only reimburses you for the actual value of your items, not their sentimental value. So, take some time to create a detailed inventory of all your possessions now. Don’t wait for a fire to occur to list all the possessions you own.

Be sure to include information on each item’s age, purchase price, and current condition. That will help ensure you receive the full value of your public insurance claim in New Jersey. You will also need proof of ownership for all the items in your home that were damaged or destroyed in the fire. That includes receipts, warranties, photos, or anything else that can help establish their value.

3. Don’t Forget About Living Expenses

If your home is unlivable after the fire, you may need to find alternative accommodations while repairs are being made. Unfortunately, this can be expensive. Fortunately, most insurance policies cover the cost of additional living expenses, up to a certain limit. Keep all receipts for hotel stays and restaurant meals so you can be sure that you’re getting the full amount available for your public insurance claim in New Jersey.

4. Know What Isn’t Covered by Your Policy

Most policies also cover the cost of repairing or rebuilding your home after a fire. However, some things are not covered under certain policies. For instance, the contents of the home could be exempt from coverage. So, before you make a fire insurance claim in New Jersey, review your policy carefully to know what is and isn’t covered. This way, you won’t be surprised by any unexpected out-of-pocket costs.

5. Get Multiple Estimates for Repair Work

Once the fire claim adjusters in New Jersey have assessed the damage, they will provide you with an estimate for repair work. However, remember that this is an estimate, not necessarily what you’ll ultimately be paying out-of-pocket. To better understand the true cost of repairs, be sure to get multiple estimates from different contractors. Then, use those estimates to negotiate with your insurer for a fair settlement.

At New Jersey Fire Claims, we are here to help you navigate the often-complex process of filing a fire insurance claim. We will work with you and the insurance company to ensure you get the most out of your policy and get your life back to normal as quickly as possible.

6. Don’t Make Permanent Repairs 

Once you’ve filed a claim, don’t make any permanent repairs until an adjuster has had a chance to assess the damage. Otherwise, your claim could be denied. Document any repairs you make with photos or videos so the adjuster can see the progress being made.

7. Keep Records of All Communication With Your Insurer

Dealing with insurance companies after a house fire can be frustrating. If you feel like you’re being treated unfairly or stonewalled, keep records of all communication with your insurer. This includes dates and times of the conversations. These records can prove that you’ve acted in good faith.

8. Hire an Experienced Public Adjuster

If dealing with your insurance company still doesn’t result in a fair settlement offer, or if they deny your claim outright, then it may be time to hire an experienced public adjuster who specializes in handling homeowners insurance claims. They will know how to navigate the often-complex legal landscape and fight for the compensation you deserve.

Conclusion

Making a fire insurance claim in New Jersey can be complex and stressful. By following these guidelines, you can ensure that you receive the full value of your claim. New Jersey Fire Claims has 20 years of experience walking alongside our clients during difficult times and dealing with insurance companies. We know how to get you the maximum compensation possible.

Contact New Jersey Fire Claims today.