Top 5 Things You Shouldn't Do After a Fire

A fire can change everything in an instant. One moment, a commercial facility, multi-family property, or business is running as usual, and the next, the structure is left with smoke-stained walls, charred interiors, and significant structural damage. In the aftermath of such a disaster, it’s natural to want to act quickly. However, certain missteps can compromise your fire damage claims and significantly delay the recovery process.

Insurance companies are not in the business of paying out the full amount policyholders are owed. In fact, insurers frequently use tactics that result in underpayments and claim denials, making it even more critical for policyholders to avoid costly mistakes.

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If you manage a commercial or multi-family property, operate a business, or oversee facility maintenance, understanding what not to do after a fire is just as important as knowing the proper steps to take. Here are the five biggest mistakes that can hurt your fire damage claim—and how to avoid them.

Things You Shouldn’t Do After a Fire

Experiencing a fire can be devastating, and dealing with the aftermath can feel just as overwhelming. To navigate the recovery process effectively and make the most of your fire damage claims, it’s important to avoid certain missteps. Here are the key mistakes to steer clear of after a fire.

1) Don’t Discard Fire-Damaged Items Too Soon

One of the biggest mistakes homeowners and business owners make is getting rid of fire-damaged items too quickly. Insurance companies need proof of damage to process your fire damage claims. If you toss out items before the insurance adjuster has a chance to inspect them, you risk undermining your claim.

• Document Everything: Take photographs of all damaged items, including furniture, appliances, and personal belongings. This documentation will be crucial for your claim.
• Keep a Detailed Inventory: Make a list of all damaged items, noting their condition and estimated value. This inventory will help you present a thorough claim to your insurer.

By holding on to damaged items and documenting them well, you can strengthen your fire damage claims and ensure you receive the compensation you deserve.

2) Don’t Start Repairs Before the Insurance Adjuster Inspects the Damage

Another common pitfall is starting repairs before the insurance adjuster has assessed the damage. While it might be tempting to begin fixing your home or business, making repairs without authorization can significantly affect your fire damage claims approval and reimbursement.

• Wait for the Adjuster: Allow the insurance adjuster to evaluate the damage before making any repairs. This step is essential to ensure all damages are accounted for.
• Temporary Measures: If you need to make temporary repairs to prevent further damage (like boarding up windows), document these actions and inform your insurance company. This way, you can protect your property without jeopardizing your claim.

By waiting for the adjuster’s inspection, you can make sure your fire damage claims reflect the full extent of the damage.

3) Don’t Accept the First Settlement Offer Without Review

Insurance companies often provide an initial settlement offer that may be lower than what you deserve. Accepting this offer without a thorough review can lead to significant financial losses on your fire damage claims.

• Understand Your Policy: Familiarize yourself with your insurance policy to know what you’re entitled to. This knowledge will empower you during negotiations.
• Negotiate: Don’t hesitate to negotiate the settlement offer. Present your documentation and inventory to support your case. Many policyholders have successfully increased their settlements through negotiation.

Taking the time to review and negotiate your fire damage claims can make a substantial difference in the compensation you receive.

4) Don’t Delay Filing Your Claim

Time is crucial when it comes to filing your fire damage claims. Delaying the process can lead to complications or even denial due to policy deadlines.

• Know Your Deadlines: Review your insurance policy to understand the timeline for filing a claim. Most policies require you to report the incident within a specific timeframe.
• Act Promptly: As soon as it’s safe, contact your insurance company to report the fire and begin the fire damage claims process. The sooner you file, the better your chances of a smooth recovery.

By acting quickly, you can avoid unnecessary complications and ensure that your fire damage claims are processed promptly.

5) Don’t Admit to Being at Fault

In the aftermath of a fire, it’s important to be careful about what you say. Even seemingly innocent statements can be used against you by insurance companies to deny or minimize your fire damage claims.

• Avoid Speculation: Refrain from making any admissions of fault, such as “I should have checked the wiring.” Such statements can be seen as an acknowledgment of responsibility, which may reduce or deny your claim.
• Let Investigators Determine the Cause: Allow fire investigators to assess the situation and determine the cause of the fire. Their findings will provide an objective basis for your claim.

By being mindful of your statements, you can protect your fire damage claims and ensure that the investigation is fair.

Safeguard Your Fire Damage Claims with a Public Insurance Adjuster

Dealing with the aftermath of a fire can feel overwhelming, especially when it comes to navigating your fire damage claims. It's crucial to be cautious: disposing of damaged items too quickly, rushing into repairs, or accepting the first settlement offer can all hinder your recovery. By steering clear of these common mistakes, you can protect your interests and make the rebuilding process smoother.

Knowledge is your greatest asset in this situation, and a public insurance adjuster can serve as your advocate through the complexities of fire damage claims. With their expertise, you can maximize your settlement and concentrate on what really matters: restoring your home or business.

Velocity Public Insurance Adjusters is certified through the IICRC in fire damage, smoke damage, water damage, and structural drying. Our expertise ensures that policyholders receive fair treatment when filing fire damage claims.

Don’t let costly mistakes happen after a fire—know your rights and seek the assistance you deserve. Schedule a call for a free claim and policy review today.