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What Are Homeowner Duties After a Fire Loss?

July 26, 2021

In the aftermath of a fire, there is usually a myriad of emotions experienced by homeowners. While that is perfectly natural, there is still a need to meet your duties as a homeowner. After your home has sustained a fire, here is a list of duties you should be sure to cover.

Mitigate damage
After a fire, it is the homeowner’s responsibility to make sure the home is safe from any further damage. In instances where a home is a total loss, this step is not required. But if there is a hole in the roof, be sure to cover it with a tarp to prevent potential weather damage. Board up the necessary areas and make sure any embers are smothered. And be sure to take any valuable items out of harm’s way, such as a TV that is near an open area. Also, do not turn on any utilities without the consent of the fire department.

Compile a list
It is important to put together a list of all the items that were damaged or lost. Go around your home and be very thorough with your list as it is an important part of your insurance claim. And even if those items are completely destroyed, do not throw them in the trash. This could give the adjuster reason to refute your claim. Make sure all that evidence stays put.

Don’t wait to file a claim
Acting fast is key after fire loss. After calling your insurance company, a representative will ask that you submit a claim that is called proof of loss. This is where your list will come in handy. The reason it is important to act quickly is because it could extend the response time that an adjuster comes out to survey the damage.

Track your expenses
Most policies have a loss of use clause. This is a way of getting reimbursed for your living expenses while you are away from your home. This is not an excuse to start spending wildly as insurance companies are not going to pay out more than what you were spending per month in your home. But it’s a good idea to start tracking expenses right away.

Hire a professional adjuster
Insurance companies are going to have adjusters attempting to pay you as little as possible. The way to fight back is to hire a public adjuster that will work for you. This is almost like hiring a lawyer when you are a victim of a crime. It’s important to have a professional on your side.

Contact AmeriClaims to speak to a public adjuster about your claim. Our team is ready to our experience to work for you and ensure the best payout from your insurance.

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Previous: Red Flags For Homeowners on Insurance Company’s Initial Offer
Next: Don’t Stress With Self Repairs or Replace Property When You Have a Claim

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Archive

AmeriClaims, Inc.

5.0

Lucy Fyfe

5 months ago

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Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Rhonda Jane Catha-Kramer

8 months ago

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From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

SNS Realty

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Sohil Shah

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Dean Barley

1 year ago

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Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Omar Leonard

1 year ago

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Lessie Fowler

1 year ago

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Annette Metz

1 year ago

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Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya LaRocca

1 year ago

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Summer Berry

1 year ago

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Stefanie Shiramizu

2 years ago

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Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Debra Massey

3 years ago

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Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

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