What Do Insurance Companies Expect from You After a House Fire?

Series: An Insurance Guide to House Fires

For the most part, insurers are mostly interested in the following:

  • Assessing the amount of your claim
  • Getting a comprehensive list of damages and lost items
  • Closing your claim quickly

To ensure that the process goes as smoothly as possible, you should try to provide the insurance company with as much documentation and information as possible including:

  • Date and time of the fire
  • Location of the fire
  • Injuries and personal damage
  • Previous and current condition of the home
  • Repair costs
  • Cost of living expenses 
  • A police report

You should keep copies of everything in a centralized binder so that you can manage all of these documents neatly. Overall, the more disorganized you are, the more you have to rely on your insurer to assess the damage for you. Having proof of the damage to the value of the lost or damaged items helps work toward a more accurate claim amount.


Next: What Should You Expect From Your Insurance Company After a House Fire?

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