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Tips On What To Do After Fire Damage to Your Home

If you are a homeowner, suffering a fire is a devastating situation to go through. The overwhelming task of cleanup is daunting enough, but there is also the complexity and time-consuming process of the insurance claim and dealing with the insurance loss adjuster.

Fire Damage Insurance Claim Case Study - Bedroom damaged by fire

Here’s a list of things you should consider after a fire loss to your home;

Have Your Insurance Policy Handy

If you have already reported the claim, you are entitled to a copy of your entire policy with all forms and endorsements. These are all critical docs we will need to review your file. 

Review your insurance policy to see if you have adequate cover for Buildings, contents, and alternative accommodation. 

The most important coverage after a fire is generally emergency alternative accommodation for you and your loved ones. Alternative accommodation coverage provides payment for temporary housing if your home is not liveable (such as hotels and short-term housing during the period of reinstatement ). 

For buildings and contents coverage, you want to know what are the sums insured, policy wordings and definitions policy limits, exclusions, warranties, endorsements, policy extensions and all of the other policy conditions. This will determine what you are entitled to include in your claim for presentation to your insurance loss adjuster. 

Fire, Smoke, Soot

Many homes have variable methods of construction, and it can be challenging to assess precisely and identify how the building reacts to fire damage, smoke and soot. Most of our housing stock will have some form of building cavities, stud walls, dry-linings, suspended timber floors and voids. The presence of voids may allow the pressurised smoke and soot to find its way behind the walls and travel through the open framing and in behind fitted cupboards and attic spaces. Some insurance companies may not be familiar with the particulars construction, and it’s up to you to educate your insurance company of the exact method of construction and determine the correct remediation for your building type. 

If you are not experienced in assessing the loss, you may try to clean walls, floors, fitted furniture etc and cause more damage, prolonging the reinstatement period and potentially prejudicing your claim/policy position. In fact, the walls/floors/ceilings/fitted furniture may have to be removed in order to clean and deodorise, as the soot may lurk behind the closed construction. 

Photos

With any damage claim, you must take a ton of pictures and videos throughout the process. This is very important as it relates to personal property and buildings damages as you have to show the insurance company physical damages by water, fire or soot and prove why the items should be replaced. In addition, ICS are the only claims management company in ROI to offer a 3D Virtual Walkthrough service to our clients on large and complex losses. This helps us compile more comprehensive, accurate and complete claims read more here….  https://www.insuranceclaimsolutions.ie/general/3d-virtual-technology-property-claim/

Inventory

You will have to inventory all of the personal property damages as the insurance company will want a detailed spreadsheet that has the quantity, description, cost to replace (today’s value, not when you bought it), and age (for depreciation purposes). This may seem overwhelming, but Insurance claim solutions specialise in detailed inventories so that you don’t have to deal with ANY spreadsheets and sift through damaged debris.

The Real Value of a Public Loss Assessor 

There are many more tips, but we believe the above tips are the basic ones for a homeowner to quickly understand the initial phases of understanding how insurance claims are handled.

Don’t worry; you don’t have to face the chaos of recovery or insurance claims alone. One call to Insurance Claim Solutions and we handle the whole process so that you don’t have to! 

Did you know, we do not charge any fees unless we recover insurance funds on your behalf. We offer no-obligation, free claim reviews. Contact us today to get the help you deserve! Even if you already contacted the insurance company, it’s not too late.

For immediate Expert help, call Trevor Kelly on 0863571713 

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Need Help With Your Insurance Claim?
Eliminate the Stress of Dealing With The Insurers * Get Faster Settlement of Your Claim * Get A Full Compensation For Your Loss * NO WIN - NO FEE *

My name is Trevor Kelly. I am highly experienced Public Loss Assessor and Insurance Claims Expert. I can take away the stress of dealing with the insurers, help you assess the damage, prepare your claim and make sure that you get a full compensation for your loss. FREE, no obligation on site assessment of your claim.

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    We had a water leak so I researched our options in North Dublin and found good reviews regarding Insurance Claim Solutions. From the initial call with Trevor Kelly,  I found him to be very good and he dealt with every aspect from start to finish, ac… Read more
    David Barry
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    Insurance Claim Solutions

    Golf Rd, Rush, Co. Dublin

     

    Mobile: 086 357 1713 Phone : 01 870 9210

     

    We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

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    Shauna Parle
    Shauna Parle
    09:47 27 Nov 20
    Trevor was extremely helpful and provided an excellent... service throughout the entire process. He really worked to ensure the claims process was as stress free for me as possible by handling all of it on my behalf. I would have been lost without his service after such a traumatic event, couldn’t recommend him enough.read more
    Katherine Lyons
    Katherine Lyons
    21:45 25 Nov 20
    Trevor was very professional and experienced. His... expertise made the whole process go smoothly. He made sure I was informed and put at ease from our very first conversation. I must have thanked him 100 times, it is hard enough to deal with the damage and emotions without having to deal with the stress of the claim also. I will be recommending him to family and friends with confidence. Quick and Professional service. I am delighted with my outcome.read more
    Siobhain Tuckey
    Siobhain Tuckey
    10:06 25 Nov 20
    I cannot thank Trevor enough for all his assistance with a... claim on my dads house. He made the process so simply and organized everything. Trevor was easy to work with and excellent at communicating so we understood the process at all times. I would highly recommend working with Trevor in relation to any insurance claims!read more
    Natasha Smith Menton
    Natasha Smith Menton
    21:53 21 Oct 20
    I contacted Trevor on behalf of an elderly family member... who had a leak resulting in water damage in his house. Trevor reassured me from the very first call that I was doing the right thing by using his service. He was extremely professional and very thorough in his assessment. We didn't have to fill out any hefty paper work or bounce back and forth with the insurance company. Trevor took care of all that. I couldn't believe how quickly it was processed and settled. Amazing work Trevor. We can't thank you enough for the time and effort that you put in. We can concentrate on the repairs now 👍read more
    Sarah Carroll
    Sarah Carroll
    18:38 16 Oct 20
    Trevor Kelly was referred to me by our insurance broker... after complications arose with our claim for water damage to our home. Trevor was not only extremely thorough and experienced with his advice but was also helpful, kind and compassionate. He alleviated so much of the stress endured by the situation by handling absolutely everything for us. Without Trevor's expertise, our claim which was initially declined would never have been approved. His advise was fundamental to the success of our claim, which surpassed all our expectations financially. Thank you so much Trevor for all your wonderful work, I have absolutely no hesitation in recommending your service to anyone who might need it.read more
    Louise Cleary
    Louise Cleary
    12:25 15 Oct 20
    I could not recommend Trevor Kelly enough. I was so... stressed out trying to deal with an insurance claim for the first time. Upon recommendation, I contacted Trevor and it was the best decision ever. Thanks to his professionalism, his calming nature, his re-assuring words to me and also to his in depth knowledge of the business, I was able to leave all dealings with my insurance company to him knowing that I was in very capable and safe hands. Thank you again Trevor for looking after me so very well.read more
    Lucas Vazquez
    Lucas Vazquez
    18:11 14 Sep 20
    Trevor is one of those really good professionals you are... lucky to cross paths in live. An absolute gentleman from day one , he took all pressure and made it so easy ( it was our first insurance claim ever) .Trevor many thanks for your help! There is not way for thanking you enough and it is being a pleasure to meet you. High recommend to anyone whos in the mist of an insurance claim.! ( nev and lucas, dublin )read more
    Riona Mc Grath
    Riona Mc Grath
    20:35 07 Sep 20
    The whole experience was so efficient, easy and honestly... made what should have been an ordeal into a positive experience! Trevor went above and beyond and worth his weight in gold. I would highly recommend Insurance Claims solutions to anyone facing into a claim!read more
    Allish Oconnor
    Allish Oconnor
    20:34 04 Apr 20
    Thank you Trevor so much for all your help with my recent... insurance claim. Trevor looked after all paperwork and communication with my insurance company. The claim was processed very efficiently and was totally stress free for me, considering that we had a serious leak in the house. Trevor actually recommended a builder to complete the work and we are extremely satisfied with the job. Do not hesitate to contact Trevor if you find yourself in the need of accessing your insurance! All the best Trevor.read more
    Mar O'Donoghue
    Mar O'Donoghue
    13:08 30 Mar 20
    Excellent service. Very difficult case arising due to water... egress from damaged pipe work causing significant subsidence. Insurers attempted to frustrate the claim, without Trevor's help we would never have been able to navigate the claims process successfully. We are forever grateful and would never attempt a home insurance claim again without engaging Trevor first. We cannot recommend his services strongly enough.read more
    Antoinette Tierney
    Antoinette Tierney
    19:18 20 Mar 20
    Thanks a million @insurance_claim_solutions_ for looking... after my mam and dad insurance claim after a flood wrecked their bathroom and sitting room. Thank you Trevor for making sure she got fixed up even after the job was finished they would have had no idea how to claim and probably would have left it without claiming, and you took over everything for them. They now have a beautiful wet room which is a godsend to my elderly parents I would highly recommend you in the future and have passed your number on. Thanks again for making a huge difference to their lives greatly appreciated From Antoinetteread more
    Miryam Harris
    Miryam Harris
    09:36 21 Feb 20
    Trevor was recommended by our neighbour when we had a water... leak before Christmas. He was just amazing from start to finish and took the hassle way from us having to deal with the insurance company. At all times he was very professional, knowledgeable and courteous. The whole process was seamless from start to finish. I would highly recommend Trevor from Insurance Claims Solutions to anyone.read more
    Fidelma Heeney
    Fidelma Heeney
    14:27 20 Feb 20
    Trevor assisted with a claim due to a flood which caused... quite an amount of damage to the property. His calm knowledgeable presence reassured me throughout the process. His professionalism and attention to detail was exceptional and nothing got overlooked. I cannot say enough positive things about his way of working and cannot recommend him highly enough.read more
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