A house fire can lead to painful losses for families. Luckily, home insurance helps homeowners deal with expenses so they can recover as quickly as possible. Safety is the top priority after a fire, so follow the steps below to keep your loved ones protected after such an incident.

What Should You Do After a Home Fire?

1. File a Claim

Insurance providers require homeowners to file claims as soon as possible. When you call the company to alert them to the incident, they may ask you to create an itemized list of belongings that need to be repaired or replaced. Submitting the proof of loss form as soon as possible expedites the process so you can recover damages promptly.

2. Find Alternate Living Arrangements

Even if part of your home is intact, it may have sustained structural damage. Soot and water damage may also make the property unsafe for your family.

Most home insurance policies cover short-term housing and daily living expenses until it’s safe to return. Book a hotel or contact family members you can stay with. 

3. Get a Copy of the Report

After you make the claim, the insurance company sends an adjuster to inspect the property. The provider may also need a copy of the incident report from your local fire department or public safety office. This report outlines the details of the incident, such as the date, cause of fire, type of property, and potential losses.

Contact your local municipality to request this information, then email it to your insurer.

If you’re looking for home insurance to protect your property in Montana, turn to Flathead Farm Mutual Insurance Company in the Flathead Valley. This local provider carries a wide array of coverage options for all types of properties, including farms and mobile homes. Their friendly representatives process all claims locally and guide homeowners through the steps. Visit their website to find an agent in your community, or call (406) 752-7500 to discuss your needs.