April 25th, 2017
AMIS Information Series
AMIS Sponsored Disaster Insurance Information
Recovering from a Fire
Protecting you and your family
- Plan a safe rendezvous point for you and your family in the event that you are separated during a fire.
- Do not return to your home until officials declare that there is no more threat of fire.
Protecting your property
- Notify your insurance agent or company representative as soon as possible. If you have vacated the premises, make sure your representative knows where to contact you.
- Make a detailed list of all damaged or destroyed personal property. Don't throw out damaged property until you have met with an adjuster. Use pictures and inventory lists to help your insurance agent and adjuster assess the damages.
- Keep receipts for additional living expenses and for temporary repair costs so you can get insurance reimbursement. Additional living expenses are those you incur over and above your normal daily expenses because you have to stay in a hotel or drive further to work.
- Don't be rushed into signing repair contracts. Deal with reputable contractors. If you're unsure about a contractor's credentials, contact your claims adjuster, Better Business Bureau or Chamber of Commerce for referrals. Make sure the contractor you hire is experienced in repair work - not just new construction. Be sure of payment terms and consult your agent or adjuster before you sign any contracts.
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