When you and your home or place of business are victims of fire damage, the recovery process can be overwhelming. One of the first things you’ll need to do is contact your home insurance company to discuss how to proceed—and ASAP, to prevent further damage to belongings that could potentially be saved. We’ve compiled some tips for communicating with your insurance company during the claims process.
Leave a trail
Document everything! Have a mindset of gathering proof or evidence, in case any challenges come up later. Confirm updates on your claim or any promises made over the phone by sending a quick follow-up email or letter.
Be polite and proactive
Everything goes into the company’s records, so no matter how frustrated or justified you feel, refrain from saying or writing anything that would make you come across uncooperative or the cause of any delays or problems. And don’t make the insurance company a target of your venting emotions related to your loss. Instead, be proactive about staying in touch and offering proof of your losses.
Keep a separate folder, notebook, and/or binder of all paper mail and printouts, and organize any related electronic communications in a separate folder in your inbox. Also, keep a diary of when you spoke with your insurance company, to track info and jog your memory should you need to look back.
Cleanup and restoration are going to require professional help, so you’ll want your insurance company on your side. After speaking with your insurance, you will need to hire a company that can take care of the fire and water damage. It’s important to act fast to minimize permanent damage. The Steam Team offers restoration services 24/7 within 24–48 hours of a fire. Call the emergency line at 800-880-7785, and we will send out a restoration professional to assess the extent of the fire or water damage and provide you with an estimate of costs.