How Fire Damage Insurance Claims Actually Work

Take photos and videos of all fire damage before any cleanup begins. Make a list of damaged or destroyed items, including approximate purchase dates and values. Keep all receipts for temporary housing, food, and other expenses you incur after the fire.

Your documentation helps the adjuster understand the full scope of your loss. It also helps you if you need to appeal a decision or provide proof of your belongings. Store copies of everything in a safe place, like a cloud drive or with a relative. Keep a log of all phone calls and emails with your insurance company, noting dates and names of who you spoke with.

• Photograph each room from multiple angles
• List every damaged item with an estimated value
• Keep receipts for all fire-related expenses
• Note the date and time of the fire
• Save any communication with your insurance company

Your payout depends on your policy type. Actual cash value policies pay the depreciated value of your damaged property, while replacement cost policies pay the amount needed to replace items at today's prices. Your policy documents will specify which type you have.

Some policies have a deductible, which is the amount you pay out of pocket before insurance kicks in. The payout may also be limited by policy caps on certain categories, like jewelry or electronics. Review your policy to understand these limits.

• Actual cash value accounts for depreciation
• Replacement cost covers new items of similar kind and quality
• Deductibles apply per claim
• Policy caps may limit coverage for specific items
• Temporary living expenses are often covered if your home is uninhabitable