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After a home fire occurred, the property owner should immediately call his or her insurance agent and ask about how to handle the situation. The following matters should be discussed: protecting what remains of the home, the best restoration companies, temporary housing and selling or rebuilding the home.
When interacting with the insurance agent after a home fire:
4. Temporary housing should be discussed. In case the home is not suitable for living after the fire, the insurance agent should tell the owner if the policy includes reimbursement for temporary housing. Some policies may only cover the cost of food, for example.
5. The owner should ask about rebuilding or selling the house. Selling the home is preferable if the insurance company doesn’t cover all repair costs or the house was not in good shape prior to the fire. However, repairing the home should be considered if the damages are minor.
Property owners are advised to learn all about their insurance policy in advance since the claims process involves several guidelines that must be followed carefully. After the fire is out, our PuroClean experts can work with any insurance agent to help mitigate the losses and restore a home to its original condition.