Recovering After a Fire

Recovering After a Fire

A fire can take everything in the blink of an eye. Some prized possessions, family heirlooms, and irreplaceable memories are inevitably lost in the blaze. It’s not easy to move forward after experiencing such trauma, but having an insurance claims attorney at your side can make recovering after a fire a little easier.

Find Lodging

You should not return home immediately after a fire. There may be build-ups of hazardous smoke and soot or unseen damage to the pipes and foundation. Instead, you should find a hotel or stay with friends or family until you can make long-term accommodations.

If you have pets, you should secure their safety and ensure they have a place to stay as well. If your temporary lodging does not allow pets or if you can’t afford a kennel, try to contact anyone who can take care of them until you secure insurance.

File a Claim

You should file an insurance claim as soon as possible. You may be able to recover “loss of use” insurance to help you cover living expenses in the interim. Your insurance agent may provide you with more suggestions for moving forward, based on your individual needs.

Cover Costs

Even in the total loss of the home, you will likely need to pay your mortgage. However, you may be able to contact your mortgage lender to discuss payment options after the fire, especially if you expect your insurance to cover the cost of the home.

If you lost any documents in the fire, such as your birth certificate, passport, or driver’s license, you should apply to replace vital records as soon as possible.

Pick up the Pieces:

Only enter the home when the fire department says it is safe to do so. You will have an opportunity to recover valuables. Save as much as you can, even partially burnt documents. Partially recovered cash and bonds can be returned to a Federal Reserve bank for reimbursement.

Contact an Attorney

Losing property in a fire is emotionally devastating. Many aren’t prepared to deal with the full consequences of a fire. You may want to contact an attorney to handle your fire insurance claim. Policyholders who hire an attorney are more likely to earn a fair settlement and prevent insurance companies from acting in bad faith.

For more information about recovering after a fire, please review this document from FEMA.

If you lost property due to a fire, we are here for you. If you’d like an experienced St. Francis insurance claim attorney from Easley & Houseal, PLLC to evaluate your case, please send us an email or call (870) 330-0015.


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