Every year, over 350,000 homes are ravaged by fire, resulting in a combined $6.5 billion in property damage. Unlike many other disasters, a fire can strike without warning, destroying everything you own in a matter of minutes. While your homeowners insurance policy will likely cover any damage, many fire victims find themselves overwhelmed and unsure of what to do first. Here are a few steps you should take if your home has been damaged in a fire.

What Should You Do After a House Fire?

1. Find Alternate Living Arrangements

Even if your property wasn’t completely destroyed, you might not be able to move in until repairs are completed. Fortunately, many homeowners insurance policies will cover the cost of short-term living arrangements and might even provide money for your daily living expenses. Depending on the severity of the damage, you may need to find a hotel or a short-term rental for you and your family.

2. Itemize Your Damages

In addition to the structural damage, the standard homeowners insurance policy will also pay for personal belongings ruined in the blaze. As soon as you’re allowed to re-enter the property, prepare an itemized list of everything that was damaged or destroyed.

3. Get a Copy of the Fire Report

After a house fire, investigators prepare a report explaining the cause of the blaze and detailing the extent of the damage. Your homeowners insurance provider will likely need a copy of this report to process your claim and compensate you for your losses as quickly as possible.

Since 1891, Barron Mutual Insurance Company has provided peace of mind and high-quality coverage to homeowners throughout Wisconsin’s Bayfield, Burnett, Washburn, Sawyer, Polk, Barron, Rusk, and Dunn counties. Because they’re a local insurance company that is dedicated to the philosophy of “neighbors helping neighbors,” your premiums stay in the community, and you’ll always get service from someone who understands your unique needs. Visit their website to learn more about their homeowners insurance services, or call (715) 537-5141 to schedule an appointment and request a free quote.