Homeowners Insurance and Fire Damage
When a Fire Damages Your Property Call SERVPRO for Help
Do you know all the contents of your home? Most homeowners can't name or price most of the items in their home. When there is fire damage in Alabama, the insurance company is hoping that you don't know the worth of your losses. If you leave your fire losses up to the insurance company, they will generally assume a low number for your claim.
If you don't document your fire damage loss in Montgomery, the insurance company doesn't have to pay you based on what you think your loss was worth. The more you can prove through documentation, the better you will get recompensed on your claim and to help verify tax-deductible property losses. You must submit a “proof of loss claim” where you must itemize your losses, plus list their value.
Organization is the key to dealing with insurance companies when claims are filed. Any contact with your insurance company should also be documented. Keep a diary of calls, emails or other forms of communication with the insurance company in case there is a difference of mindsets later on. With a fire damage to your home, you are probably displaced.
Your homeowner's policy will likely have a “loss of use” clause that entitles you to be reimbursed for living expenses while you are out of your home. Remember, as silly as it may seem and even though your home may be lost, don't negate your financial responsibilities of paying your mortgage, taxes and insurance.
Your Alabama homeowner's policy also includes liability protection, based on where you stay after fire damage. For example, if you can stay with family or friends, their address can be added as a second location for liability purposes. If your home is destroyed, ask your insurance company to reduce the part of the policy that covers the structure and ask for a reduction in premiums.
Sometimes your insurance company will press you to close your claim on your losses asap. To them the longer your claim status remains open, the greater chance that you will discover and file a claim for additional that they initially overlooked. Will an insurance company confer with you on additional claims, no!
Settling claims after a fire is the perfect time to have SERVPRO by your side. Not only do we have the training and experience in restorations to help you through this trying time, but we can also help you with your insurance paperwork. Our professionals will help by providing a detailed and accurate list of your belongings. For your peace of mind, we use digital photos, and we will help you with your claim process.
SERVPRO of Montgomery is local. We specialize in restoring your contents damaged by water, fire or mold. Our professionals have several methods of cleaning that will help preserve your precious keepsakes. Call us today at (334) 284-1612 and let us get started in restoring you to a pre-fire condition and peace of mind.