The number of fire disasters is increasing these days at commercial and residential locations. Many people have a lot of expensive assets due to fire incidents. One of the most important things to reduce the risk of fire disasters is to obtain a fire insurance claim.
Most people find it difficult to claim fire insurance during a fire incident. They do not know the proper process to get the fire insurance. In this blog, we will discuss the easy steps to get a claim for fire insurance.
5 simple steps to get a fire insurance claim
Getting a fire insurance policy is one of the most crucial steps to reduce the risk of loss due to fire. Here are some simple steps to get a fire insurance claim for your home or workplace:
- Request for financial help: Fire incidents can occur anywhere and anytime leaving you helpless without any funds. If you have lost all your funds in a fire accident, ask for financial help from the insurer. He will provide the necessary funds or resources by which you can seek immediate shelter or help.
The insurer will later adjust the amount with the fire insurance claim amount. He will also offer many other options to adjust or deduct this amount.
- Count the total amount of loss: The next step is to count the total loss amount due to the fire incident. You must count all the following things to get the amount of total loss due to fire:
- Count all the things or objects burnt in the fire incident.
- Damaged structures of your home or office
- Count items which you lost in the fire and keep any proof or evidence of these items
Keeping track of all these items makes it easy for owners to get full reimbursement.
- Talk to your insurance provider to file a claim: After estimating the loss, you must inform the insurance provider of the fire incident. Then you must file a claim by providing details like:
- Date of loss and type of damage
- Injuries caused due to fire
- Damaged items
- Condition of home or workplace
- Location of damage
- Police report’s copy
- Loss counted by an insurance surveyor: The insurance surveyor will visit your home to count the amount of total loss due to fire. He will prepare a report which will further help him to count the claim amount. You must provide all the correct details and original documents to the surveyor.
- Take time to close the claim: Do not hurry to close your claim in case of a fire incident. Take your time and find all the evidence that supports your insurance claim. You may find some evidence that helps to get more compensation for loss.
Conclusion
These are the easiest steps to get a fire insurance claim in case of loss by fire. You must submit documents such as a fire brigade report; an authorized copy of the insurance policy, photographs so on. The authorities may ask for more documents from the insured according to the case.
