Steps to take after your property suffers a fire!

By
Services for Real Estate Pros with Paul Davis Restoration of Charlotte

Suffering a fire at your property can be devastating and life changing. Your first reactions are from shock and the feelings of being helpless and confused as to what to do next? There will more than likely be a representive from the Redcross there to provide assitance.

Next steps:

  • Call your insurance company. Most claims centers are open 24 hours a day to assit you. You can access those numbers from a smartphone if you have one or ask a neighbor to look it up for you. Your insurance company will help you through this process. It is a process like eveything else in life. It is important for you to make the right decisions.
  • Do not go back into the property until the fire department deems the property safe. Fire and resulting smoke can devlop toxins that are floating in the air. You don't want to inhale the contamination into you lungs that can cause health issues.
  • Call a reputable restoration company to secure your home. Windows and doors need to be boarded up. The roof may need to be tarped to prevent weather from doing further damage.
  • A fire is a devastating event and it is important that you not to sign any documentation put in front of you at the time of the fire from public adjusters or restoration companies until you have had time to collect your thoughts and developed a plan of action. You need to remain calm and make educated decisions that will best serve you and your family.

Find a place to stay away from the fire damaged property such as a hotel, family or friends. Most insurance policies will cover temporay living expenses. You will need to determine what your policy coverages include. Work with your insurance company and determine what is suitable. Insurance companies call this ALE or Additional Living Expense. You will need a place to stay that is more permanent until your property is repaired.

  • The next day time is critical to salavge items that have been damaged by smoke and soot. You need to select a company sophisticated enough to begin removing items such as clothing. The longer you wait the less chance you have of saving clothing and hard goods. Sulphuric Acid forms and begins to degrade items that have soot damage. It is critcal that you call a reputable company to get your belongings out of the fire damaged. The company you choose should take pictures and inventory all items removed from the property. Any items deemed unsalvagable must be documented as well so you can be reimbursed by your insurance company. It is preferable to have one company that can handle your loss from mitigation, contents and reconstruction. You will have one phone call to make instead of several. There will be less stress and your claim will be settled faster and more to your satisfaction.
  • Fire damage mitigation is defined as taking steps to prevent any further damge to your property. It is generally directly to the company that perfoms that work. Your deductible does not get paid until reconstruction starts.

Call Paul Davis Restoration of Charlotte when fire or smoke damge occurs at your property.

www.pdrestorationofcharlotte.com

Comments (3)

Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Scott/Paula, a really nice tips for those who will have no clue on what to do after a property suffers a fire. Thanks for sharing.

Apr 10, 2012 03:01 PM
Sharon Parisi
United Real Estate Dallas - Dallas, TX
Dallas Homes

Scott, this is valuable information for all of our blog readers to to place in their memory bank in case the unthinkable happens.  Thank you for putting this together.

Apr 10, 2012 03:50 PM
Karen Anne Stone
New Home Hunters of Fort Worth and Tarrant County - Fort Worth, TX
Fort Worth Real Estate

Scott:  You are really sharing so much excellent information in your blog posts.  In my opinion, you are getting off to an excellent start.  Great Job !

Apr 15, 2012 05:19 PM