5 Crucial Steps When Filing a Property Fire Damage Insurance Claim in DFW Texas.

27 November 2022
Resnix, LLC

Filing a property fire damage claim can be daunting. There’s a lot of paperwork and, often, stress dealing with repairs and replacement. If your home has been damaged by fire, you will need to act quickly to file a property claim with your insurance company. But before you do, you should take a few crucial steps to ensure that your claim is processed efficiently and smoothly. In this blog, we share essential tips for filing an insurance claim.

Following our simple guidelines, you can help minimize the stress and disruption caused by fire damage and get your life back to normal as soon as possible.

At Resnix, we take on many of the steps outlined in this report and more for you.  

Step 1. Document the Fire Damage to Property 

There are many important things to do when filing a fire damage home insurance claim. The most crucial steps, however, include collecting evidence of the fire damage and having an open and honest dialogue with your insurance company. The best way to document the fire damage is by taking photos and videos of the affected areas. Make sure to capture all the damage, including the melted furniture, charred walls, and soot-covered ceilings. Keep in mind that some damage may not be immediately visible; for instance, the smoke and soot may have damaged your belongings but left them looking clean and unaffected. In such cases, you will need to have them professionally cleaned and inspected to receive proper compensation from your insurance company.

At Resnix, we provide you with all the support you need and document the fire damage and resulting damages throughout the process, from initial information collection to submitting the claim to reduce the hassle and ensure the claim is documented correctly for you.

Step 2. Notify Your Insurance Company As Soon As Possible

Notify your insurance company as soon as possible. Depending on the extent of the property fire damage, you may need to take immediate steps to prevent further damage, including boarding up windows, tarping the roof, and water drying as part of the mitigation.

Your insurance company will likely send out their adjuster or an unlicensed inspector to assess the damage and provide an estimate for repairs.

Step 3. Cooperate With Your Insurance Company Representative

It’s important to cooperate with your insurance company representative when filing a property fire damage claim. They will need as much information as possible about the fire, your belongings, and the damage that was done in order to process your claim quickly and efficiently. Be sure to provide them with copies of all relevant documentation, including police reports.

 Step 4. Get Repair Estimates from Multiple Contractors

Your next step should be to contact a qualified property fire damage restoration contractor. They will be able to provide you with an estimate for the repairs and can also help you file your insurance claim.

Getting multiple repair estimates is always a good idea after any type of property damage. This will help you get an idea of the cost of repairs and which company offers the best service.

Make sure to ask the companies about their experience with fire damage repair and what type of restoration services they offer. You will also want to get an estimate for water damage cleanup and repair, as this often goes hand-in-hand with fire damage.

You can ask for references from previous clients and always check the contractor’s licensing and insurance credentials.

When it comes to getting repair estimates for property fire damage, it’s also important to work with a qualified professional. That’s because not all fires are created equal, and the type of damage that’s done will vary depending on the type of fire.

For example, a kitchen fire will cause different types of damage than a fire that starts in the living room. So, it’s essential to have someone with experience take a look at your home and give you an accurate estimate for the repairs that need to be done.

Step 5. Submit Your Claim and Wait for Reimbursement

There are a few things you can do to speed up the reimbursement process after a property fire damage claim. You submit your claim as quickly as possible. Insurance companies usually require that you file within a certain number of days after the event in order to be eligible for reimbursement.

Additionally, you can ask for an advance on your reimbursement. This is essentially an advance payment from the insurance company that will help cover some of your immediate expenses while your claim is being processed. Not all insurance companies offer this service, so it’s best to check with your provider beforehand.

At Resnix, our property fire damage claim service offers a quicker and easier way to file an insurance claim in DFW Texas area. At Resnix we take on many of the steps outlined in this report and more for you.