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Tips for Filing a Claim on Your Fire Insurance Coverage

If you've got fire insurance coverage and are unfortunate enough to need to use it, then there are several things that you'll need to know in order to make sure you get everything you're entitled to.

While every policy is different, it pays to know some of the ins and outs that are generally associated with claiming against your fire insurance policy.

Know What You're Entitled To

One of the biggest mistakes made by people making a claim on their fire insurance coverage is that they are unaware of the extent to which they're covered, often meaning that they miss out on essential assistance that could have helped them through trying times.

For example, should you be forced to leave your home because of a fire, many insurance companies will issue you an advance payment on your policy to ensure you have enough money for the essentials needed to get you through the first few days.

It could well be the case that a fire completely destroys all your belongings, as well as your bank cards and any spare money you might have had, meaning that you've got no way to finance your family, pay for a hotel, or even eat.

You should phone your insurance company immediately after ensuring you and your family are safe and request an advance on your policy. If they offer such a service, they'll have no problems having it delivered as soon as possible to the address you're temporarily staying at.

Once that's done, you need to sit down with your family and compile a list of all the belongings you lost in the first. No item is too small, and nothing is irrelevant here, so make sure to draw up as comprehensive a list as you possibly can.

Get Your Claim in Quickly

If you've been the victim of a fire in your home there's no time to waste in getting your claim in. The sooner you provide your insurance company with all the relevant information including the date of the fire, the possessions that were lost, any injuries resulting from the fire, the condition of your home, whether or not non-family members were involved and, of course, the police or fire brigade report, the sooner you'll be able to get back to normal with the help of your fire insurance coverage payout.

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