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Fire Insurance Claims in Greater Indianapolis
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Fire Insurance Claims in Greater Indianapolis

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After a perfectly horrifying fire has thoroughly claimed your home, one step that must be accomplished as soon as possible is to file an insurance claim. Contact your insurance company immediately and notify them in detail of the type of loss you’ve suffered. Most insurance companies actually require you to contact them within a specific window of time immediately after the loss has occurred. Your insurance policy may list this information in specific detail, including whether it should or should not be in writing.

Insurance Claim Information

  • Date of loss
  • Type of loss or damage
  • Location of damage
  • Any related injuries
  • Others involved
  • Condition of the home
  • Description of damaged contents
  • Whether or not temporary repairs are necessary
  • A police/fire report

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Request an advance from your insurance carrier to get the money for the barest essentials: food, clothing, shelter, travel expenses, toiletries, etc. (This amount will be deducted from the final total of your insurance claim.)

Stay with somebody you trust and is willing to take you in at the moment (instead of staying at a hotel) in order to keep costs down. But before that, make sure to secure your property. If a certain portion of the property was damaged, you need to mitigate it before looking for somewhere else to live for the meantime. Certain businesses also have interruption coverage, and should prepare copies of their books and records in advance.

Don’t forget to review your policy’s coverage thoroughly to find out how much exactly and what type you have, the things that are covered and excluded, and then determine your plan of attack: how your claim will be filed and be informed of any deadlines that may apply when making your claim. A lot of this information can be found on the declaration page of the policy and is normally located at the beginning. If in case you can’t locate this policy, call your broker or insurance company immediately so you can get a copy.

Take photographs, record any damages and create a list full of all the items that you lost in the fire, so that the insurance company can better assess how much your claim will be. Requesting for repair and replacement estimates is a good idea, and remember to keep all the receipts for your temporary living expenses. But the only thing you can claim is the difference between what it costs for you to live on a daily basis now, as compared to before the fire. If, for example, you did the grocery shopping and it amounted to $400, and now you’re spending $500 per week eating at restaurants, you can only claim $100.

If you’re staying at a motel, however, you could probably claim the entire thing. And it’s important to note that even if you cannot live in your present home, you still have to pay mortgage, insurance and taxes. Smoke damage is also prevalent and is a peril for most homeowners policies. Your insurance company may pay for cleaning the ash and smoke, but more often disputes tend to arise over cleaning versus replacing the items that have been exposed to smoke.

Alert your adjuster if anybody at home has health sensitivities, such as asthma or allergies. If there’s mold and soot from inside your house that is not eliminated, it can irritate people. If there is a partial loss, you should seek payment from the insurer for mold, smoke, odor and soot mitigation.

Don’t stand for half-baked cleaning. It’s important to reject any shortcuts and improper cleaning, so don’t allow your adjuster to tell you that it’s sufficient to wipe surfaces yourself. Deep cleaning is necessary, as it is necessary to have the entire HVAC system of your home cleaned out. You can clean some parts by hand, but for the most part, a professional should do the rest.

Thoroughly inspect the following areas:

  • Your roof should be inspected for any damage from the fire. If the heat was extreme, the roof structure may have been weakened. The wood that was directly underneath the roofing material may be moldy and water-stained. A roofing expert can give you an accurate estimate and can verify the damage.
  • Check the steel and iron structures that could have transferred heat and destabilized a foundation or retaining wall.
  • Inspect the stucco, which may crack due to dehydration and baking. The siding may have melted after too much exposure to heat, and there may be mold underneath. The heat may also damage an anchored foundation and may require testing, as well as some concrete sampling.
  • Be aware that your window frames may have melted, blistered or been discolored by the fire. The glass can also have some warping and discoloration and may be no longer transparent and clear. These types of windows can lead to moisture problems, or even more mold.

If you need any advice or help in filing your insurance claim, look no further than Midwest Remediation. Your home may have been ravaged by a terrible fire, but we’ll help you get back on your feet and do our best to repair and restore your home to its pristine state.

We'll help you recover from the flames

Your home may have been ravaged by a terrible fire, but we at Midwest Remediation will help you get back on your feet and do our best to repair and restore your home to its pristine state. We also specialize in water damage restoration, fire damage restoration, mold remediation and more. So if you're in the Greater Indianapolis, or in the surrounding areas, don't hesitate. We handle all of Indianapolis! Or, if you like, please contact us today with any of our fast and easy to use website contact forms. Call us now at 317-826-0940, our operators are on standby waiting for your call. We also have highly trained water damage professionals and fire damage restoration specialists.