In a perfect world, you would never have to file a claim with your renter’s insurance policy. But in the event something does happen, you want to be prepared and know what to expect. Here are some tips on how to file a renters insurance claim for fire damage in the greater Littleton, CO area, presented to you by Front Range Insurance Services.
Document All of the Damage
Following a fire, you will want to document all of the damage. This includes making a complete list of any property that was damaged and taking pictures or video of the damage. This information is valuable when you are showing your insurance company what needs to be replaced and why.
Contact Your Insurance Company
After you have documented the damage, contact your insurance company. They will ask you details about the fire, such as when and where it occurred and possibly even how it started. They may start a claim over the phone, or they may mail you papers to fill out and return. Either way, you will receive papers in the mail that need to be signed, dated and returned, so be sure to do this to prevent your claim from being denied.
Following a fire, you may stay in a hotel and have to eat out, depending on the severity of the fire. Save all of your receipts, as most renters insurance policies cover these expenses.
Stay in Contact With the Insurance Company
Lastly, be sure to stay in contact with the insurance company. Do not put off signing papers, calling them back or providing them with the requested information. They can deny your claim if you are no longer cooperating or it can cause delays. Stay in contact as needed to prevent unnecessary delays.
As a renter, your property is not covered under the homeowner’s insurance in the event of fire, flood, theft or other incidents. As such, it is important to have renters insurance to protect your belongings. If you are looking to obtain a policy in the greater Littleton, CO area, call Front Range Insurance Services today.