Ten Steps To A Successful Fire Loss Claim
- Report your claim to your insurance company right away.
- Get a copy of your insurance policy and read it carefully.
- Start to assemble a list of your contents. Where possible, track down receipts and try to remember where you purchased each item and its cost.
- Keep receipts for every expense and cost you have incurred as a result of the evacuation and/or loss of your home.
- Try to determine the replacement cost of each of the items in your home; sometimes a department store catalogue is a quick method for standard household items.
- Continue to make your mortgage payments, unless other arrangements are made with your lender.
- Keep copies of everything you give to your adjuster.
- Confirm important discussions you have with your adjuster in writing (ie. by email or by letter). This would include any extensions or time periods within which replacement must be in effect, confirmations to proceed to purchase certain replacement items, etc.
- Keep a log of all telephone calls and correspondence, and make copies of all correspondence you send to, or receive from, your insurance company.
- Prepare for all of your meetings with your adjuster. Determine, in advance, what is to be discussed at the meeting, and ensure that you are organized. For example, if you are meeting with your adjuster to determine the value of some of your house contents, it is a good idea to have all of the back-up documentation available for your meeting. The more organized you are, the quicker things will get done.
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