How Does Homeowners Insurance Work After A Fire?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If your home is burned, your need to file a claim.  Most companies provide a toll free number.  If you suspect arson you must notify the police.  You must provide police and company with any relevant witnesses.  You must then cooperate with your insurance company.  The company will arrange temporary living conditions if your property cannot be used.  You must make sure that your house is secured against further loss.  You must provide the insurance company with a list of items which were lost, normally within 60 days.  The company has the right to get plans and specifications from you and other details concerning the loss.  Photographs of the building and contents become invaluable under these circumstances.  The adjuster will then work with contractors to repair the damage to the residence and will make an estimate of the actual cash value of the personal property.  There objectives will be to get you back into your home as quickly as possible.
    Answered on April 23, 2014
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