It is important to fully understand what type of coverage you have and how to file a claim before you actually start. Going about things in the wrong way may be cause for denial or lengthening the process of your claim. Filing fire insurance claims is not easy, in fact, there is so much to do that it could be easy to forget or miss a step. What is more, there could be more damage than really meets the eye, so what you need is someone on your side.
Yes, when you get the claim process started, the insurance company will send out a loss adjuster. It is important to understand that the adjuster is an employee of the insurance company. They are not on your side; rather they are on the side of the insurance company and are looking to save them money. So, it is really important that you understand the role of the loss adjuster.
When you file fire insurance claims there are many things you will want to know and what to find out. First, you will want to understand if the insurance company covers you having to stay in a hotel. If not, you will likely need to make other arrangements. Most insurance policies cover this or at least offer it. While the repairs on your home are being performed, you will have to stay elsewhere, but you will also want to find out how long it will take for the work to be performed.
Many insurance companies have a list of contractors and surveyors that they work with. In most cases, they will try to push you into using these people, as it will save them money. You may or may not be required to use their affiliates; this is where you will need to check your policy closely.
Many people involved in this type of situation look to a claims consultant to help them in this matter. Somewhat like the loss adjuster works for the insurance company, the claims consultant works for you. This is a group that is on your side and will help you determine and handle the many tasks that must be performed when filing fire insurance claims.
Claims consultants can help you determine just what needs to be done, who is going to do the work, and essentially takes care of all the behind the scenes tasks. They will ensure that everything is being attended to correctly, they will make sure you are getting everything that you are entitled to, as well as dealing with all of conferences, calls and meetings that must take place with the suppliers, contractors, surveyors, loss adjuster and insurance company.
Filing fire insurance claims is no easy or stress-free task. Having someone on your side is the first step in making sure that you get exactly what you need, when you need it.
Derek Rogers is a freelance writer who represents a number of UK businesses. For Loss Assessors and Domestic Fire Insurance claim services, he recommends Morgan Clark.
