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Home on fire in a neighborhood

Commonly Neglected Parts of a Fire Claim

The scene of a fire can be chaotic and overwhelming, so it’s important to have a plan in place before disaster strikes. Documenting the damage is one of the most important steps in any fire claim. This includes taking photos or videos of the scene and making a list of all the damaged or destroyed items. However, there are some aspects of fire claims that are often neglected. Here are a few parts that are commonly forgotten.

Cost of Cleanup and Repair

The cost of cleaning up and repairing the fire damage caused can be high. Most insurance policies will cover at least some of these costs, but the coverage may be limited. Be sure to document all the damage and keep track of all the bills related to the cleanup and repair process.

When including the cost of cleanup and repair in your fire claim, don’t forget to include the cost of hiring a professional cleaning service. The cost of this service can vary depending on the size and severity of the fire, but it’s important to get an estimate before proceeding with the claim.

Replacement Costs

In addition to the cost of cleanup and repair, you will also need to account for the cost of replacing any damaged or destroyed items. This can include everything from clothing and electronics to furniture and appliances. When calculating the replacement cost of an item, be sure to use its current value, not the original purchase price.

If you have lost any important documents as a result of the fire damage, such as passports or birth certificates, you will also need to factor in the cost of replacing them. This can be time-consuming and expensive, so it’s important to include it in your claim.

Loss of Use

If your home in Georgia is uninhabitable after a fire, you may be able to receive compensation for the loss of use. This coverage can help pay for hotel bills, restaurant meals, and other necessary expenses. The coverage you receive will depend on your insurance policy, so check the details before filing a claim.

The loss of use coverage in your insurance policy may have a limit, so it’s important to keep track of your expenses. Be sure to save all receipts and documentation supporting your claim. Public insurance adjusters can also help you document and calculate your loss of use damages.

Cost of Living Elsewhere

If you are forced to live elsewhere while your home in Georgia is being repaired or rebuilt, you may be able to include the cost of rent or a mortgage in your fire claim. This coverage is typically limited to a certain amount of time, so check the details of your policy.

You will need to provide documentation of your expenses to support your claim, so be sure to keep track of all receipts and bills related to your temporary housing arrangement.

These are just a few commonly neglected parts of a fire claim. Be sure to document all the damage, keep track of all your expenses, and read the details of your insurance policy carefully to ensure you receive the full amount of coverage you’re entitled to. Georgia Fire Claims is one of the best public insurance adjusters for fire claims and damages. We understand the importance of a timely and accurate claim. Contact us today for a free consultation.