Returning to normal life after a fire has damaged your house and belongings can seem daunting, especially if you’ve just recently become a homeowner. It’s essential to take immediate action, but you may not know where to begin the recovery process. Fortunately, the home insurance policy you purchased before closing will help you get back on your feet with minimal loss. The following steps will create a smoother claims experience so you and your family can move on from this disaster as quickly as possible.

What to Do When a House Fire Occurs

1. Find a Safe Place to Stay

After a fire, it’s likely you won’t be able to return home right away. The good news is most home insurance policies include coverage for loss of use. This will help pay for temporary living arrangements and food expenses you incur while your residence is being restored. Once you’re settled somewhere, you can think clearly about what to do next.

2. Notify Your Home Insurance Company

Filing a claim should be top priority after getting your family to safety. The sooner your home insurance company is notified of the incident, the faster you’ll receive a payout so you can start repairing or rebuilding your house. Contact your agent to find out the proper claims procedure and what information you’ll need to provide your insurer.

3. Prepare an Inventory of Damaged Items

Before you can get reimbursed for your personal property, your insurer will need a list of the damaged items. For each valuable, be sure to include a detailed description, the make and model, serial number, receipts, the date of purchase, and the original price paid. Hopefully, this information is stored in a fireproof safe or off-site, but if not, emails and bank and credit card statements can help present proof of your losses.

4. Get Recommendations for Restoration Companies & Contractors

If your home has smoke and water damage as the result of a fire, you’ll need a reputable restoration company to remedy these issues. You may also require a contractor to make repairs or rebuild. Before you hire anyone, it’s a good idea to ask friends, family, and your agent for recommendations on businesses that will get the job done right.

While home insurance is designed to safeguard your investment and provide financial security in the event of a fire, it can only work if you have adequate coverage. You can depend on the professionals at Stringer Insurance Agency to review your current policy and ensure you have enough protection before disaster strikes. For nearly 90 years, they’ve been entrusted to help Gainesville and Dahlonega, GA, homeowners find affordable and reliable products to satisfy their unique needs. Call (706) 864-3515 to speak with a friendly and experienced agent, or visit them online for more information on the various services they offer.