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Fire & Water - Cleanup & Restoration

5 Tips for Filing a Commercial Fire Claim

4/26/2021 (Permalink)

soot and smoke damage after a fire Soot and smoke damage after a fire.

Five Tips For Seeking Financial Aid From Your Insurer

A fire claim may seem complicated, but it doesn't have to be that way. The process is there to assist in times of trouble. When commercial owners in Federal Hill, RI, desire compensation, the claim's process is a saving grace. Here are five tips for seeking financial aid from your insurer.

1. Understand Your Policy
Is fire restoration part of your insurance policy? Review the paperwork. It's often available online through your company's portal. Be sure to understand several elements: your coverage amount, deductible and any exclusions.

2. Reach Out to Your Agent
As soon as the blaze is extinguished, file a fire claim. Delays are problematic. Go online, or call the number on the back of the insurance card. When you speak with the insurer, ask about any standard protocols and how you should proceed.

3. Shield the Property from Additional Harm
Minimize exposure to elements and trespassers. The agency doesn't want to add to the bill or fight a lawsuit. Have a fire remediation company attend to the premises. The experts should assess any possible hazards, boarding up any openings in the walls and windows. Weather is also a concern. Be sure to tarp over the roof, avoiding rain entry.

4. Photograph Damage
Prove there was fire damage by snapping images of everything charred or ruined. Before disposing of anything, log it and photograph it.

5. Initiate Remediation Efforts
While you may want to wait for your compensation to arrive, the lag time could prove harmful to both the claim and your building. Lingering fire and water damage lead to significant complications such as mold, rot and structural integrity.
The fighters' hoses, for instance, saturated the facility to quench the flames. This act left porous substances vulnerable to mold growth. Without immediate attention, spreads may occur within one to two days. Prompt action reduces these occurrences, keeping overhead costs lower for both you and the insurer.
When you go to file a fire claim, don't expect money without evidence. Be prepared to show your efforts to mitigate harm and the effects of the conflagration on your business.

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