Fire Damage Kansas City – Filing An Insurance Claim
Fire damage here in Kansas City can turn your life upside down if it happens to you and your family. When you have fire damage, getting peace of mind by having your home put back to its pre-fire condition is the ultimate goal. The last thing on your mind is having to file an insurance claim. This list of simple tips will help you to stay on top of things when you are filing an insurance claim from fire damage in Kansas City.
1. Contact Your Insurance Agent. You want to report the claim as soon as possible. Your agent will help you get in touch with the claims department and with a contractor if you need immediate assistance with an emergency/temporary board up. Some insurance companies want to be contacted within a certain amount of time after a loss has occurred. Your policy will detail this information, including whether that notification must be in writing.
2. Carefully Document Your Losses. Your Claims Adjuster will provide you with forms to document your personal contents that were damaged or destroyed. If you have suffered a large loss this can be a daunting task. AAS Restoration’s team of trained technicians can provide you with a Statement of Loss; your carrier often covers this cost. You can be proactive by preparing a household inventory before disaster strikes. AAS Restoration can also provide this service for a nominal fee. It will help you if you do have to document your losses in the future when filing an insurance claim.
3. Do Not Throw Away Damaged Property. Wait until you have met with your adjuster and received hisapproval before discarding anything damaged in the fire. AAS Restoration will provide a dumpster and remove unsalvageable items from your home as they begin the repair process.
4. Save Receipts. When replacing your personal contents, save your receipts. You will be reimbursed by your insurance carrier for actual costs if you have replacement value coverage.
5. Be on-site. Either you, or a trusted advisor, needs to be present when the adjuster visits the site. Ask questions until you are satisfied that you understand the process that occurs in repairing your home and with packing, cleaning, and storing your contents.
6. When you are ready to hire a contractor to repair your home, you may get recommendations from your agent, your adjuster, or even a friend or neighbor who has had a similar experience. You want to make sure the contractor is licensed in your state, has both liability and workman’s compensation insurance, and has certified technicians trained in restoration work. You can contact your state department of business for this information. Contact the Better Business Bureau to check their standing there as well.
We here at AAS Restoration hope you find these tips helpful. They can’t restore your damaged property immediately, but they can help you feel like you are doing everything you can during this difficult time. Our goal as a service provider is to reconstruct and restore your losses quickly and efficiently utilizing our specialized tradesmen, certified technicians, and our thirty-five plus years of experience dealing with fire damage. When your life is turned upside down, AAS Restoration will be there to put your world back together again. Contact us with any questions about our services and remember that AAS Restoration Emergency Response Teams are available 24 hours a day/365 days a year.
