Home Fire Damage: Next Steps to Maximize Your Claim

Experiencing a home fire can be devastating. As you face the aftermath, it's crucial to handle the situation in a way that maximizes your insurance claim and helps you recover as quickly and fully as possible. The first and most important step is to call Liberty Insurance Adjusters before you even file a claim with your insurance company. With expert guidance from the start, you can ensure your rights are protected and your claim is accurately assessed. 

Before you contact your insurance, let’s go over the necessary steps to take after experiencing fire damage to ensure your claim process is smooth and effective. 

Remember, you should always call a public adjuster BEFORE your insurance! 

Contact Liberty Insurance Adjusters Immediately 

When your home suffers fire damage, your first call should be to Liberty Insurance Adjusters, not your insurance company. Why? A public adjuster works on your behalf, not the insurer's. Our team at Liberty will evaluate the damage thoroughly, ensure that every detail is documented, and advise you on the statements and evidence that will support your claim. Starting with us means you're setting up your claim for the maximum possible settlement. 

Secure Your Property 

Securing your property after a fire is crucial to prevent further damage and to support your insurance claim. This includes covering broken windows, damaged roofs, and any openings that could expose your home to the elements or unauthorized entry. Take these actions only if it's safe to do so; your safety is always the priority. Documenting these efforts is also important as it shows your initiative to mitigate additional losses, which insurance policies typically require. 

While You’re Here > 3 Mistakes to Avoid When Filing Your Fire Claim 

Document Everything 

The more documentation you have, the stronger your insurance claim will be. Start by taking photos and videos of all damages immediately after the fire, provided it’s safe to enter your home. Capture details of structural damage as well as damage to personal property. Keep all receipts related to home repairs, temporary housing, and any other expenses incurred due to the fire. This documentation will be crucial for Liberty Adjusters to advocate effectively on your behalf. 

Review Your Insurance Policy 

Understanding your insurance policy is essential, but it can be complex and challenging, especially under stress. This is another area where Liberty Insurance Adjusters can help. We’ll review your policy with you to clarify what is covered and ensure you understand your entitlements. This includes dwelling coverage, personal property limits, and any additional living expenses coverage that you can claim during your home's restoration process. 

Avoid Cleaning Up or Making Permanent Repairs 

It's important not to start major cleanup efforts or make permanent repairs until after the damage has been professionally assessed and documented by both your public adjuster and your insurance provider. Premature cleaning or repairs can potentially affect the assessment of your claim. Always consult with Liberty Adjusters first; we can guide you on the appropriate steps and help coordinate safe and effective cleanup and restoration efforts. 

Communicate Through Your Public Adjuster 

Once you've enlisted the help of Liberty Insurance Adjusters, make sure all communication with your insurance company goes through us. We are experts in the language of insurance and can negotiate on your behalf to ensure your communications are clear, precise, and strategically aligned with the goal of maximizing your claim. 

Maximize Your Insurance Claim with Professional Help 

Navigating an insurance claim after home fire damage can be overwhelming. By partnering with Liberty Insurance Adjusters right from the start, you position yourself for the best possible outcome. Our expertise not only ensures that your claim is thoroughly documented and robustly supported but also that you receive the maximum compensation to which you are entitled. With Liberty Adjusters on your side, you can focus on recovering from the fire, knowing that the claims process is in expert hands. 

Remember, the first step after experiencing fire damage should always be to call a public adjuster. With Liberty Insurance Adjusters, you have a dedicated team ready to stand up for your interests and guide you through every step of the claims process. If you’re in need of a public adjuster, give us a call today.